vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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:
I sent a letter on XX/XX/XXXX to remove these : 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  that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal Banned my account, i comply their legal agreements. But they shutdown my account without telling or clarify what I've done wrong. I don't have any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NY

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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.

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 2023-01-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$270.00}

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 explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received the tax refund middle class but when I activated it from the total amount they withdraw money {$350.00} were approved but it only had {$140.00} the rest is missing and the company o bank doesn't fix the problem yet.

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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXXXX on XX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.

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 2023-01-28 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: Gemini Direct LLC, dba Credit Innovation Group
State: CA

Complaint narrative:
Credit Innovations Group I saw an advertisement for fha loans bad credit no problem. When I called the phone number I spoke to someone named XXXX. I told XXXX that I wanted to rent to own. I told XXXX that I was now in a XXXX XXXX XXXX XXXX XXXX after over 30 years of homelessness and injustice. For over 30 years I had been told there was no permanent housing for the homeless due to overcrowding on the waitlist. I also informed XXXX that I am an ongoing victim XXXX  XXXX XXXX XXXX XXXX and that I needed permanent housing to end that vulnerability. Finally, I asked XXXX how much. He told me XXXX per month for a membership. XXXX failed to tell me about an additional XXXX hold on my bank card in the same month he also failed to tell me about reoccurring charges of XXXX per month. To add insult to injury XXXX also failed to tell me that there were no guarantees of permanent home ownership. But for this information I never would have signed a contract. What XXXX did succeed at was assisting credit Innovation into scamming me out of almost XXXX. XXXX didnt fail to ask me for my banks routing numbers. Blessedly I didnt know what they were. 
I have a very important annual that is due at the end of the month. The XXXX hold is the reason I couldnt pay that bill. 



Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX email XXXX XXXX www.creditinnovationgroup.com My Schedule : XXXX XXXX XXXX Do you have friends and family who might benefit from our services? Ask me for your personal referral code and my personal referral phone number. I'll take great care of them and I'll credit your XXXX XXXX {$50.00} for every person who makes their first XXXX XXXX payment. 



All information in this communication, including attachments, is strictly confidential and intended solely for delivery to and authorized use by the addressee ( s ) identified above, and may contain privileged, confidential information entitled to protection and exempt from disclosure under state law. If you are not the intended recipient, please take notice that any use, distribution or copying of this communication, and any action taken or omitted in reliance upon this transmission, is unauthorized by the sender and will be considered unlawful. If you have received this communication in error, please notify the sender and delete this communication from your computer. Credit Innovations Group, is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Credit Innovations Group, provides a membership and monitoring service, therefore, is licensed as a CRA, as defined under Section 600 of CFR ( 15 USC 1681 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, After so many transaction on our business I already provided needed proof documents and they tagged my account as permanent limitation for unapproved file sharing services. I dont know what kind of file sharing sevices that I violated but I will make sure that all transaction are legit and coming from our XXXX website. 

Please I need to restore my personal account. I want to be honest that I tried to create another account to paypal but they still banning. 

Hoping for your kind consideration on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ Data International , Inc sent me a letter stating that they are trying to collect a debt in the amount of {$300.00}. I immediately wrote them back disputing the alleged debt on XX/XX/XXXX. I asked IQ Data International , Inc to validate the alleged debt and to stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. I never received the response that I'm entitled to by law, instead on XX/XX/XXXX at XXXX XXXX  I received a call from XXXX from IQ Data International , Inc. He informed me that the call was an attempt to collect a debt. I informed XXXX that I sent a debt validation letter and I have not received a response. XXXX confirmed that IQ Data International , Inc received the letter and did not respond to it. XXXX stated that it was " just a debt verification letter '' and proceeded to ask me who my employer was. He continuously ignored my request to be contacted by mail only, instead, he repeatedly asked me to verify my phone number for future calls. IQ Data International , Inc has XXXX respect for the law and is in clear violation of the Fair Debt Collection Practices Act, Validation of Debts 15 U.S.C. 1692g ( b ) Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ''. IQ Data International , Inc made no attempt to validate this alleged debt to ensure it was accurate or if it belonged to me, instead they violated the FDCPA with their debt collection harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from XXXX. Nothing In XXXX XXXX aligns up with what Equifax is Showing me in my account. 

My Equifax Score is XXXX as of XX/XX/2023 In Adverse Letter From XXXX It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my equifax account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on XXXX Adverse Letter of Denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.

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 2023-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX and Capital one on XX/XX/XXXX. I have tried multiple times to contact these creditors and XXXX regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX really affected my ability to pay my creditors so I am asking for the charge off to be removed from all XXXX credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NC

Complaint narrative:
I recently review a copy of my credit report. I was shocked to see I haven been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent accounts from my credit report as soon as possible.

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 2023-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Have fraudulent inquiries on my credit report from the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Someone has tried to open multiple credit card accounts in my name. XXXX so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi bank 's terms and agreement state this contract is governed by federal laws. Therefore, I ask that they honor the duration of their understanding and apply the federal that fit my situation. Under 18 USC 894, this is a collection of credit. They are not supposed to collect on an extension of credit. Under federal law I was supposed to receive a clear and conspicuous meaning of the terms and conditions of this agreement which I have not received. I wasn't told my rights under federal law about this agreement. Many elements were hidden in this contract. if they choose not to honor their terms, I demand all my payments back, and they report paid on all cras

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 2023-01-28 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-28 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 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 2023-01-28 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation