vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
i ordered a XXXX gaming headset and a microphone from XXXX XXXX using paypal. I instead received two microphones. I then contacted XXXX XXXX to return the wrong item and they sent me a ups return label. i also already returned the other microphone and got the refund for that. I then waited weeks for them to keep telling me that the return has been received and that i would receive my refund. I then made a dispute with paypal since i never got the refund. MY case was denied because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described '' which doesnt make sense because thats the exact reason i filed the case and i even gave all the evidence showing the wrong item i got and the return tracking number for the XXXX  return. I then filed an appeal because that didnt even make sense on why my claim was denied. Then the appeal took over 3 months to finally tell me that " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we have found no evidence that the item was misrepresented '' which is crazy because i provided all of the proof. Paypal talks about how great their purchase protection is and in reality its terrible with terrible customer service. Not even helping a customer that not only using the payment service but even showed every bit of evidence required and asked of me. 
Transaction information Dispute Case ID XXXX Transaction Amount {$420.00} USD Dispute Amount {$290.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Received letter from Blitt and Gaines, PC regarding debt dated XX/XX/2023. The notice gave 2 options for payment due by XX/XX/2023. However the notice was not received until less than 30 days of the due date given. The sum is large and given the delay I had even less time to respond. No further notices were received or follow up from the firm after the due date.Tried contacting the firm to set up a payment plan and work on an agreement as I am going through a financial hardship however the firm rejected any of my efforts to set up a payment plan. The agent at the firm said only a one time payment was accepted after I asked for a payment plan due to my situation. Recently, my employer informed me of a wage garnishment presented by Blitt and Gaines, but I was never served with court documents with a court date or time and never given copies. I was not given the opportunity to appear in court to agree to a manageable payment option within the financial hardship I am facing. My employer notified them that I was unemployed and there was no garnishment that could be taken out. They then proceeded to send my employer filed documentation from court to begin the garnishment, again I did not receive any notices from the attorneys office or the court house or was able to represent myself or voice that I could not make the payments that they are demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax removed an account from my credit profile that is an active account but they say they have no knowledge of the account but the account is still reporting to other agencies I never disputed this account never I have someone else who can vouch this just happened to them as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with the credit agencies and noticed this inaccurate account on report. I have supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that no proof of allege debt. I REQUEST TO SEE THE SIGNED DISCLOSURES WHICH STATES I GAVE PERMISSION FOR THSE ACCOUNTS IMMEDIATELY. I need identification of any information required to investigate the disputed information. According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c Block of information resulting from identity theft. The only person a debtor is obligated to pay is someone who suffers a financial injury, the person who executed any original contract, or who otherwise lent you money. I'm unsure of who MIDLAND CREDIT MANAGEMENT CO is as I have no contracts with this company or any other companies they may purchase debt from. My questions to MIDLAND CREDIT MANAGEMENT is : Who are you? 
What loan are you saying I received? 
What proof do you have that I received that loan? 
What documentation are you providing? 
When did you come into contact with this alleged account? 
When was the account allegedly executed? 
How would you have personal firsthand knowledge of anything at the time this account was allegedly executed? 

Yet most of the time those bringing suit ( XXXX ) to collect debts are those who neither lent money nor have since suffered a financial injury. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans, including notices of default, assignments, substitutions of trustee, etc. Third party debt collectors have remedy only to sue in court for debts allegedly owed. I don't know if you have capacity or standing to sue me, I deny that you are a creditor or are anything but a debt collector who has no financial interest in this alleged contract and has suffered no monetary harm with respect to it. You are bringing forth mere hearsay without any firsthand competent fact witness to support your alleged 'facts. '' Debt collection is a legitimate business, but debt collectors can not comply with all the rules required for their business to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

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  : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, # : ( XXXX ) XXXX, # : ( XXXX ) XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 


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 an 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 info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-25 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been denied claims for unauthorized transactions and Bank of America failed to conduct a proper Error investigation. They denied my claims for a XXXX unauthorized transfer stating that I was scammed of my money and not fraud. And now that XXXX XXXX implemented for scammed victims reimbursement quick to disregard stated they never heard of policy. The bank continues to be Non compliant with Consent Orders and has not given any Redress to harmed affected consumers. Bank of america NA have failed to protect accounts and continues to abuse consumers account with their deceptive practice. They violated consumer legal rights and laws.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 informationisinaccurate.

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 2024-04-25 00:00:00
Product: Credit reporting 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: GA

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.

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 informationisinaccurate.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries were unauthorized and Im a victim of identity theft. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company never issued any debt validation letter like I requested well over a month ago they placed this collection account on my credit illegally Which is a violation of my rights as a consumer. This needs to be corrected Im disputing the debt and any validity regarding it Id like an itemized bill with a breakdown of said debt owed this needs to be removed from my report as this is a direct violation of my rights failure to notify me Im requesting it to be removed and any tradlines affiliated with it this is fraud

Company response to consumer: Closed with explanation