vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank offers store-specific credit cards. We have two credit cards, one for Lowes and another for XXXX XXXX. Both cards offer a promotional no interest for 12 months, and the Lowes balance is {$0.00}. When making my monthly payment for the XXXX XXXX card, it was applied to the Lowes credit card. That would mean that the XXXX XXXX card automatically incurs fees ( interest fees and late payment fees ). 

I suspect that Synchrony Bank is purposefully applying payments to the wrong card so they can charge fees. 

Note : The bank representative corrected it when I called, but it still smells fishy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : inquiries I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED.

Thank you for your time and help in this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account XXXX. I believe that this limitation is a result of a mistake and would like to bring the following points to your attention : Mistaken Limitation : I strongly believe that my account was mistakenly limited. I have been a loyal and responsible PayPal user for several years, and I have never engaged in any activity that violates PayPal 's policies. It is disheartening to find my account limited without a clear explanation or proper investigation. 

Compliance with PayPal Policies : Throughout my usage of PayPal, I have always ensured strict compliance with your platform 's policies and guidelines. I have never been involved in any fraudulent or unauthorized transactions, and I always strive to maintain the highest standards of integrity in all my PayPal transactions. 

Request for Re-investigation : I kindly request PayPal to conduct a thorough re-investigation of my account 's activity. I believe that upon closer examination, you will find no violations or irregularities associated with my account. I am confident that this re-evaluation will demonstrate my adherence to all PayPal policies and restore my account to its fully functional status. 

I understand that PayPal has a duty to protect its users and maintain a secure platform. However, it is equally important to ensure that actions taken are based on accurate information and justifiable grounds. 

I am kindly requesting a prompt review of my case, as I heavily rely on my PayPal account for various personal and professional transactions. Restoring my account would allow me to continue utilizing PayPal 's services efficiently and securely. 

I sincerely appreciate your attention to this matter and your commitment to resolving account issues fairly. Please feel free to reach out to me if any additional information is required for the investigation. 

Thank you for considering my appeal. I eagerly await a positive resolution to this matter and the reinstatement of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear PayPal Customer Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, which I believe was a result of a mistake. I am deeply concerned about this matter and would like to present my case for your re-consideration. 

First and foremost, I want to emphasize that I have always adhered to PayPal 's policies and guidelines. I have never knowingly engaged in any activities that could potentially violate your terms of service. Therefore, I am perplexed as to why my account has been subjected to such restrictive measures. 

I kindly request that PayPal conduct a thorough investigation into my account 's limitation. I believe that a careful review will reveal that there has been an error or misunderstanding. I am confident that you will not find any instances of policy violations or suspicious activities associated with my account. 

Having relied on PayPal for many years for secure and efficient transactions, this limitation has significantly inconvenienced me both personally and professionally. I have always valued the trust and reliability that PayPal offers to its users, and I genuinely wish to continue using your services for my online transactions. 

For your reference, the email address linked to my PayPal account is XXXX. 

I understand that ensuring the security of your platform is of utmost importance, and I commend PayPal 's efforts to maintain a safe environment for all users. However, I sincerely believe that my account 's limitation was an unfortunate error, and I humbly request that you re-evaluate my case and consider restoring my account privileges, if deemed appropriate. 

I am eager to provide any additional information or documentation to support my appeal. Please let me know if there is any further information you require to re-investigate my case thoroughly. 

I genuinely hope that you will give my appeal due consideration and reach a fair and just decision. I eagerly await your response and sincerely thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX and natural person, was denied credit by XXXX XXXX  XXXX  when I applied, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 form from the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). 
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. 
XXXXXXXX XXXX XXXX is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX15 U.S.C 1602 ( p ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted multiple disputes to transunion. They took 45-60 days each time I sent them a dispute. I disputed the following accounts. 
XXXX  XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these items were disputed multiple times. Each time transunion took over 30 days to actually investigate it and violate consumer protection laws. 
The company can not actually verify any account as I have never signed digitally or manually any documents with these companies as well as have not authorized any of these companies to report to my credit. I have submitted requests on XX/XX/23 XX/XX/23 XX/XX/23 All my attempts to actually have them remove due to violating multiple laws have gone unchanged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted multiple disputes to transunion. They took XXXX days each time I sent them a dispute. I disputed the following accounts. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX All of these items were disputed multiple times. Each time transunion took over 30 days to actually investigate it and violate consumer protection laws. 
The company can not actually verify any account as I have never signed digitally or manually any documents with these companies as well as have not authorized any of these companies to report to my credit. I have submitted requests on XX/XX/23 XX/XX/23 XX/XX/23 All my attempts to actually have them remove due to violating multiple laws have gone unchanged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A friend of mine XXXX XXXX transferred me {$1500.00}, reimbursement of a pool heater I help them with, through money transfer service Venmo/PayPal . I verified my identity by uploading my drivers license linking my bank account so forth so on. I then transferred {$800.00} from that account and showed it was pending as of XX/XX/XXXX, I received an email from Venmo, stating that my financial institution would have the fines between 1 to 3 business days by the third business day. Venmo suspended my account with no communication other than automated and said that I was in violation of their personal Venmo agreement they wouldnt give me a reason as to why or even ask me questions, and the only thing that I can assume is that they assumed this was a transaction of goods and services and they were concerned about a charge back. This was not the case and wouldnt even allow myself or XXXX XXXX to verify this and now theyre justifying placing a hold on my {$800.00} transfer to my linked in verified bank account for six months I cant believe this is legal, they wouldnt even give us the option to transfer the {$800.00} back to XXXX XXXX Venmo account and her and I could work out payment arrangements for reimbursement some other way. This was an authorized transaction money transfer between friends and family not goods and services for Venmo to justify placing a hold of {$800.00} of peoples money for no just cause for six months is completely unacceptable especially with no communication for almost 5 to 7 business days after the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a delinquent account on my TransUnion credit report from XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Tx XXXX ; XXXX XXXX that is not mine. I have attempted to report this fraudulent account to XXXX XXXX, both by myself and with the help of XXXXXXXX XXXX XXXX XXXX but XXXX  will not assist me with locating the fraudulent account to investigate. The account is damaging my excellent credit report with false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief