vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: LA

Complaint narrative:
I am writing to seek your assistance through the Consumer Financial Protection Bureau regarding an issue with my PayPal account. On XX/XX/XXXX, I noticed several unauthorized transactions on my PayPal account and immediately filed a dispute. However, when I logged into my account on XX/XX/XXXX, I discovered that PayPal had placed a limitation on my account. I contacted PayPal customer service right away to understand the reason for this action. The representative explained that PayPal was holding my funds due to potential disputes, claims, chargebacks, reversals, or other liabilities. I would like to clarify the nature of the funds being held : - {$610.00} was sent from XXXX XXXX from my 401 ( k ) account for the purpose of domestic support, and I can provide proof of this transaction. 
- {$34.00} was a refund from PayPal, issued after they ruled in my favor regarding my dispute. This refund was confirmed via an email from PayPal on XX/XX/XXXX, which prompted me to log in and discover the limitation on my account. How are they able to approve one of three transactions as unauthorized while the other two was authorized despite the fact that all three transactions look similar to each other. I didn't make these transactions, I would like to know where these funds got deposited to.

- The remaining {$66.00} is the balance of winnings from a sweepstake, for which I also have proof of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
We are a bank and worked for months with XXXX and Experian to get our data reporting switched from in house to our core processor submitting the files. 
We were not notified by XXXX or Experian that our files were not uploaded, so consumer information was incorrect for months. 
I talked on the phone and emailed with different departments with no call back or email back. 
When data was finally uploaded, we did not get a confirmation that it was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TN

Complaint narrative:
I have submitted my XXXX application to MOHELA beginning XX/XX/year>. I faxed it to their offices. I faxed it again in XX/XX/year>. In XXXX, I also uploaded my application to their website via my account. They have refused to process it each time. And now, they are sending me bills for repayment. They have placed my account in repayment, per the US government. My account should be in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : This letter is in regards to the account number listed above which you claim has ( specific negative condition ). I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

The letter also serves as your notification that I am disputing this alleged ( specific negative condition ) with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which can not be property validated may not be reported to any credit bureau. 
Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 

If I do not receive a response from you regarding your claim within 14 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I've been unable to set the elections on my XXXX investment account or even access that section of my account with XXXX XXXX. When I call, they troubleshoot the issue, saying they are sending an email to the investment team to look into the issue and a supervisor will call back. I have never received a call or solution besides try a different web browser even after sending messages on the support portal and calling the listed support number multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a customer/consumer of the financial institution American Express and its subsidiaries/parents/affiliates/etc. 

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments XXXX through XXXX. 

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by XXXX5 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercise this right, as I was not able to by reasonable means before. American Express does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, past, present, or future, to a non-affiliated third party or credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a dispute to Experian on XX/XX/year>, and XX/XX/year>, regarding inaccurate information on my credit report. Despite the Fair Credit Reporting Act ( FCRA ) requiring Experian to investigate and respond within XXXX days, I have not received any resolution or response. Additionally, Experian failed to send me a copy of my updated consumer report reflecting the results of the investigation or dispute. On XX/XX/year>, I submitted my dispute to Experian via XXXX certified delivery, providing detailed information and supporting documentation. Experian confirmed receipt of the dispute on XX/XX/year>. However, as of today, I have not received any resolution or follow-up communication. I also sent follow-up requests on XX/XX/year>, but Experian has failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to report that inhave been a victim of identity theft. over the past XXXX years inhave been exposed to muitiple data breaches which i believe have led to unauthorized activity and fraudulent accounts being opened in my name. The unauthorized accounts and activities Include : XXXX fraud account/inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud accounts/inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
TRANSUNION fraud accounts/inquires : XXXX XXXX XXXX ; auction direct. flagship 'credit. I have taken steps to address this Issue including contacting the companies where the unauthorized accounts were opened and filing disputes with the credit bureaus, however i continue to experience difficulties in resolving these issues and ensuring that my credit report is accurately reflecting my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that inhave been a victim of identity theft. over the past XXXX years inhave been exposed to muitiple data breaches which i believe have led to unauthorized activity and fraudulent accounts being opened in my name. The unauthorized accounts and activities Include : XXXX fraud account/inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud accounts/inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX accounts/inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to address this Issue including contacting the companies where the unauthorized accounts were opened and filing disputes with the credit bureaus, however i continue to experience difficulties in resolving these issues and ensuring that my credit report is accurately reflecting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I sent numerous letters stating that I had no knowledge of a debt with their company. I have requested documentation asking them to validate this debt they claim I owed such as. 
XXXX. Original contract with the wet signature XXXX. Name XXXX. Address XXXX. Phone number XXXX. Proof of ownership of debt and their right to collect on it XXXX. Break down of the billing and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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