vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 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: VA

Complaint narrative:
I filed a CFPB complaint. YOU closed it when PayPal lied by omission. PayPal continues to harass me. PayPal has blocked my online access and I can not pay my PayPal branded XXXX Bank credit card. 

Nothing in my profile has changed. My phone numbers have not changed. To access my account, PayPal is forcing me to enter a new phone number and PayPal will not accept my working landline number. I have XXXX phone. I do not use cell phones. I can not login to PayPal to access a hyperlink to XXXX XXXX 

PayPal is actively interfering with my ability to conduct business with a third party. 

PayPal continues to refuse to answer the original question. Through a process that PayPal designed and controls, PayPal gave me {$1500.00} without any terms, the only requirement being repayment. I continue to demand to know the payment terms. I will accept published tariffs only. 

There is a giant hole in the internet and you can pull thousands of dollars out of it and it does not seem to be a crime. PayPal made it. 

I demand immediate access to my PayPal branded XXXX XXXX credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank made a big announcement about how they were not going to charge overdraft fees and then charged me for XXXX. {$130.00}. Right now I am on a small pension and {$130.00} is XXXX of my income. or XXXX. 

I asked Citibank to refund the fees and they refused saying this was going to take effect sometime in the future but not right now. This sounds a whole lot like bait and switch to me. Also why does Citibank hire people XXXX to deal with American customers. When I am struggling to understand what they are saying I am not getting helped. Not a XXXX, not even an American but not sure why their customer service is in the XXXX 's. I really suspect that I just get mocked when I deal with their customer service.

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 2022-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I do not have any knowledge of the debt and I am experiencing difficulties with fraudulent charges and accounts with several companies and I have attempted to work with most of the companies but the representatives that I have been in contact with by voice calls and customer service chats are not being honest and they give me the runaround. Due to this fact and the fact that I have absolutely no idea of why this is being charged to me, I have just decided to report it instead of going through another time consuming, futile attempt to correct the information. This has been consistently happening throughout the past and even more so during epidemic and after the ransomware attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Loan was included in my XXXX XXXX that was discharged by the court as of XXXX. 
I have returned their car back, sent messages via their site ( XXXX XXXX ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that XXXX XXXX would know a bankruptcy discharge operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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.

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 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: UT

Complaint narrative:
XXXX XXXX has shared my personal illegally with the scam company Johnson Mark without notifying me of selling my information. Johnson Mark has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched Johnson Mark in my state and they don't even have a collection license. XXXX XXXX has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to XXXX XXXX. What kind of XXXX  are they running? Create a XXXX make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like Johnson Mark which has a website with no information that could've been made by a XXXX XXXX XXXX. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # 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.

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 2022-06-12 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR 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 2022-06-12 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR 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 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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.

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 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: SECURITY FINANCE CORP
State: AL

Complaint narrative:
This company keeps pulling my credit without my permission every month They pulled on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I only authorized them to pull my credit TWO TIMES. When I first applied for the loan and when I it renewal. 

This is ILLEGAL AND DUE TO THE ILLEGAL TACTICS I WOULD LIKE MY ACCOUNT CLOSED AND MY INFORMATION DELETED FROM YOUR SYSTEM. 

I HAVE SCREENSHOTS FROM ALL CREDIT BUREAUS THEY PULLED FROM! You are PURPOSELY and ILLEGALLY pulling my credit every month with out my authorization.

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 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery has shared my personal illegally with the scam company XXXX XXXX without notifying me of selling my information. XXXX XXXX has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched XXXX XXXX in my state and they don't even have a collection license. Portfolio Recovery has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to Portfolio Recovery. What kind of racquet are they running? Create a strawman, make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like XXXX XXXX which has a website with no information that could've been made by a XXXX year old. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX Account # 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.

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 2022-06-12 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: AZ

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights.15U.S.C.1681 section 602 A. state I have the right to privacy. 15U.S.C 1681 section 604 A Section2 ; it also states a consumer reporting agency can not furnish a 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 2022-06-12 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: AZ

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights.15U.S.C.1681 section 602 A. state I have the right to privacy. 15U.S.C 1681 section 604 A Section2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.

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 2022-06-12 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, NC. The bank that financed the vehicle was Suntrust Bank XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that BB & T and Suntrust banks merged to become Truist Bank. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with Truist account is XXXX. The account # for Suntrust ends in XXXX. I have two credit lines for {$39000.00} on my XXXX credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my XXXX credit report. Once I paid the vehicle off, I thought both banks would report to XXXX properly and with the correct accounting information for both errors on XXXX, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from Truist Bank, Credit Dispute Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The Truist Bank stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. XXXX as of XXXX is still reporting false information that it appears that the Truist Bank is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the XXXXXXXX XXXX XXXX to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the 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 2022-06-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This company keeps pulling my credit without my permission every month They pulled on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I only authorized them to pull my credit TWO TIMES. When I first applied for the loan and when I it renewal. 

This is ILLEGAL AND DUE TO THE ILLEGAL TACTICS I WOULD LIKE MY ACCOUNT CLOSED AND MY INFORMATION DELETED FROM YOUR SYSTEM. 

I HAVE SCREENSHOTS FROM ALL CREDIT BUREAUS THEY PULLED FROM! You are PURPOSELY and ILLEGALLY pulling my credit every month with out my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # 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.

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 2022-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # 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.

Company response to consumer: Closed with explanation