vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: MI

Complaint narrative:
Dear PayPal Customer Support, I am writing to you to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation has been imposed in error, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. I kindly request that you re-evaluate my case and restore my account, allowing me to resume using PayPal 's services. 

To the best of my knowledge, I have always complied with PayPal 's terms and conditions since I opened my account. I have used it responsibly for various transactions, including personal payments and online purchases. I have always strived to maintain a positive and trustworthy relationship with PayPal, and I am genuinely surprised by the permanent limitation imposed on my account. 

I would like to emphasize that I have not participated in any prohibited activities, such as fraudulent transactions, unauthorized access, or any form of malicious activity. I have consistently adhered to PayPal 's policies and guidelines, conducting my transactions in a legitimate and ethical manner. It is my sincere belief that my account has been mistakenly flagged for violation, leading to the unjust restriction. 

Given the circumstances, I kindly request that PayPal undertake a thorough re-evaluation of my case. I implore you to conduct a comprehensive investigation into my account activity, including the specific reasons that led to the permanent limitation. I am confident that upon review, you will find no evidence of any wrongdoing on my part. Therefore, I humbly request that you consider reinstating my PayPal account, allowing me to continue utilizing your platform with the same level of trust and confidence as before. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that all correspondence regarding this appeal be directed to the provided email address, as it is the primary method of contact associated with my account. 

I would like to express my utmost appreciation for your attention to this matter and your prompt consideration of my appeal. I have always valued PayPal as a trusted and reliable financial platform, and I sincerely hope that this misunderstanding can be rectified. I am eager to resolve this issue amicably and look forward to a favorable response from PayPal. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-05-25 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: LA

Complaint narrative:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Kikoff Inc.
State: NJ

Complaint narrative:
Kikoff Lending changed the terms of my contract from {$2.00} a month to {$5.00} a month without warning. They have been charging me for two years now. They claim to improve your credit score but mine has not. I asked them to stop charging me and cancel any contract and they have refused. I am unemployed and there is no end in sight to their charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
They told me they will help me with my debts and they took {$870.00} from me and they only paid {$160.00} for the creditor. 
They took all the money claiming that is their commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have lost my wallet back in XXXX, XXXX, XXXX reported to The police ever since, I have been having all these issues with Identity theft. 
Account info Account name XXXX XXXX XXXX Account number XXXX capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: MT

Complaint narrative:
I have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX XXXX XXXX with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a XXXX Report. XXXX XXXX XXXX, XXXX XXXX XXXX. My first concern is that I have XXXX XXXX on all the credit reporting agencies including Experian and XXXX. How was this information sent to XXXX from Experian with the security freeze in place? I will attach page XXXX of XXXX showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my XXXX - Experian - XXXX XXXX XXXX XXXX information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX XXXX contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( XXXX through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX XXXX you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR XXXX ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.

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 2023-05-25 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: TX

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

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TX

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

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX  Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX XXXX XXXX Date of Inquiry : XXXX  Creditor Name : XXXX Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am lodging a complaint against Debt Recovery Solutions for fraudulent debt collection attempts and unauthorized credit inquiries. 

Debt Recovery Solutions is attempting to collect a debt I do not owe, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt.

In addition, the company has performed unauthorized credit inquiries, impacting my credit score without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( f ). 

I request the CFPB investigate these practices and enforce my rights under the FDCPA and the FCRA. The company should cease all communication, remove related negative information from my credit report, and confirm these actions in writing. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I used external transferred {$1.00} on US Bank webside on XX/XX/2023 to Lending Club My account XXXX was debited {$1.00} XXXX XXXX stated they never received this {$1.00}, I checked with them many times. 

I called US Bank XXXX several times and went to the US Bank branch in XXXX, CA, so far the problem still not resolved. 

Now I closed the XXXX XXXX account, I need US Bank to CREDIT BACK {$1.00} to my account. 

BTW, I used external transfers between my US Bank and XXXX XXXX previously, they all went through without any issues.

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 2023-05-25 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: FL

Complaint narrative:
I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I filed an original complaint against CREDIT ACCEPTANCE and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by XXXX XXXX XXXX. Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency that I don't have a contract with I was threatened by XXXX XXXX with the Compliance dept at CREDIT ACCEPTANCE CORPORATION that she would update my credit report to say that a closed account is Open to try to collect a closed debt. I also advised that I would complain to the XXXX  and was told by her that it would get compiled with this complaint to deter 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 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone was taking my money each month from my checking account. 
The way that they charge me, is a subscription that I never ask. 
I told my bank about it but they said that was not possible, because I received benefits from this company. 
They supposed to do their research, but they still said that is not possible to recover my money. 
They just send me a letter about it, but they don't include any information about this company or the service they said I am getting benefits from. 
Thanks

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-05-25 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Equifax reported XXXX of 2023 and XXXX of 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.

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