vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had an account with PayPal and they suddenly closed it and will it allow me to withdraw my funds. They are holding my money and refuse to allow me to access it. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-22 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: CA

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX.

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 2022-07-22 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: CA

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Spelling in my name and address that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion reported that I had Serious Delinquency to a lender that was used to deny me credit in XX/XX/XXXX and XX/XX/XXXX and my credit report does not show any delinquency. 
When I called TransUnion to address the issue, their prompts only stated that my free report is on its way.

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 2022-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was approved for a XXXX credit card back on XX/XX/2022. I was only able to use around {$690.00} dollars from that limit because after that all my transactions have decline. I tried calling Bank of America and now they are saying my account is under review and the only way to lift that restriction is to go to the bank with two forms of Id. Im XXXX XXXX XXXX and XXXX  have no interest in showing up in a branch especially not Bank of a America that they take hours to see you. I read my terms and conditions and no where in there it says I have to go to the bank to verify unusual activity on my account. They are violating my rights they approved me and now they do r allow me to use it or to pay it off so I can close This account. Its very sad since I was a Bank of America costumer for almost 40 years. I want the restriction of my account lifted or to be able To make Payment and close it out. Would not reccomend BOA

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 monetary relief
Consumer complaint received 2022-07-22 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX FS XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2022-07-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-22 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and Equifax ( Federal ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and XXXX but shows XX/XX/2022 with Equifax. 

3. The reference for XXXX is ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ) which is Inconsistent as well. 

4. XXXX and XXXX Reports a closing Date of ( XX/XX/2022 ) and Equifax reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, the funds for the remaining monies owed on the title loan ( {$64.00} ) was paid to Titlemax XXXX Resolution Department located in XXXX, Texas. I was informed I would receive release letter via mail. When I did not receive the release letter within two weeks, I contacted the Resolution Department in Texas. The representative said it would take up to 14 days before the release letter would arrive to my address. I provided the representative my current address. I waited three weeks before contacting the Resolution Department again. The representative advised the account had not been paid. I provided the representative with the confirmation number provided by the initial representative. I offered to pay the balance again. However, the representative voiced she would send it to the compliance department to resolve the matter. When I didn't hear anything, I called Resolution Department a fourth time. I was on hold for approximately 45 minutes. My wife attempted to resolve the matter. She spoke with XXXX XXXX, who provided an email address to send confirmation of the payment. XXXX XXXX stated she would send the documentation to compliance. My wife called XX/XX/XXXX to find out the status of the title release. XXXX, a supervisor, indicated no action had been taken to release the hold on my title. It has been 3 months and I still have not received a release letter or a clear title to my vehicle. I have been given the run around going from Titlemax in XXXX, Georgia to making numerous telephone calls to resolve this matter.

Company response to consumer: Closed with explanation