vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: MO

Complaint narrative:
Dear PayPal XXXX XXXX, I am writing this complaint to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation was placed by mistake, and I would like to request that PayPal re-investigate my case and consider restoring my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions. I have never engaged in any fraudulent activity, nor have I conducted any transactions that could be considered suspicious or unlawful. 

Despite my compliance with PayPal policies, my account was permanently limited, which has caused me significant inconvenience and financial loss. I strongly believe that this limitation was a mistake, and I am eager to have PayPal re-examine my case to rectify this error. 

I would like to request that PayPal reconsider my account status and restore it to full functionality. I understand that PayPal has a duty to protect its users, and I fully support this goal. However, I believe that my account was unjustly restricted, and I am willing to cooperate fully with PayPal 's investigation to resolve this issue. 

In conclusion, I respectfully request that PayPal re-evaluate my account and take the necessary steps to restore my account to full functionality. I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
equifax credit report wants me to mail my drivers lcense my social sercurtiy card all my banking infor to Equifax credit info XXXX XXXX XXXX XXXX ga ph XXXX tractor supply visa denied my appliction i requested my credit report thur Equifax mywife & i have good cridit this based on income & age my wife is XXXX and iam XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished 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 explanation
Consumer complaint received 2023-05-01 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: PA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not showed a valid contract signed by me and its still on my credit report.XXXX account that they dont have a contract signed by 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 2023-05-01 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Convergent Outsourcing I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, Consumer Report ] I would like you to remove all the inaccurate and misleading information from my credit report. The reporting details have adversely affected my credit worthiness and hampered my chances of acquiring a home loan. I do not have a place to go. I was in the process of closing on the home and now Im unable to with this collection on my account. 

I have paid and settled the debt the first day of receiving the debt notification that was paid on XX/XX/2023. Convergent Outsourcing has closed out my account the debt is now settled and closed. 

I am requesting a courtesy removal to remove both collections account from XXXX XXXX XXXX account. This will continue to affect me for 7 years. Can you please remove both accounts as a one time courtesy so I may move forward with securing a place to live. Please, my family and I will not have a place to live. 



Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, 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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The accounts below are in violation of my rights. The credit bureaus XXXX Equifax XXXX have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. Cal. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? XXXX Equifax and XXXX is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts below are in violation of my rights. The credit bureaus XXXX XXXX Experian have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. Cal. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? XXXX XXXX and Experian is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXX XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX 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 2023-05-01 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: IN

Complaint narrative:
Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights.

15 USC 1681 Sec. 602, States I have the right to privacy. 15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2023-05-01 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: IN

Complaint narrative:
Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 Sec. 602, States I have the right to privacy.

15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: KY

Complaint narrative:
Dear PayPal, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was a mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always followed PayPal 's terms and conditions and have conducted all my transactions in a lawful and ethical manner. Therefore, I believe that this limitation is unjust and should be lifted. 

Furthermore, I believe that the limitation was placed on my account in error. I have not engaged in any suspicious or fraudulent activities, nor have I received any notification from PayPal regarding any unusual account behavior. I am confident that if PayPal re-examines my account activity, they will find that there is no basis for the limitation. 

I would like to take this opportunity to request that PayPal review my case and restore my account as soon as possible. I value my account and the services that PayPal provides, and I would like to continue using them without any interruptions. 

In conclusion, I respectfully request that PayPal re-investigate my account activity and consider lifting the limitation on my account. I appreciate your attention to this matter and thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 Team, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed on my account by mistake, and I respectfully request that you re-investigate my case and restore my account if possible. 

I would like to emphasize that I have not violated any PayPal policies. I have always complied with PayPal 's terms and conditions, and I have never engaged in any activities that could be considered fraudulent or suspicious. Therefore, I believe that the limitation placed on my account was unjustified and should be lifted. 

I understand that PayPal takes security very seriously, and I appreciate the efforts made to protect its users. However, I strongly believe that my account was flagged in error, and I would like to provide any necessary information to help resolve this matter. 

I kindly ask that you conduct a thorough investigation of my account and the activities associated with it. I am confident that this investigation will demonstrate that I have done nothing wrong, and that my account should be reinstated. 

In conclusion, I urge you to reconsider your decision to permanently limit my PayPal account. I would greatly appreciate the opportunity to continue using PayPal, and I am committed to complying with all of PayPal 's policies and procedures in the future. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The account is never late but Citi closed the account for no actual reason. Also sent an unsigned letter by a fictitious person that I am unable to find in the list of vice presidents.

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 2023-05-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  ran my credit without my permission this is my 3rd attempt to get this information resolved with no response, SPOKE TO 3 REPS FROM THIS COMPANY AND THE ENSURE ME THAT THIS WILL 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 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Filed dispute XX/XX/17. Bank asked for more information ( not clear on how to submit ) and I submitted the information. Purchase was from brick and mortar and bank denied dispute because i put the item received date was the same as item purchased. I called back to get a clearer answer and representatives said they would flag it for reopening at this time I also submitted photos supporting my claim. A week later my temporary credit was removed and I called again. Again I was told the dispute would be reopened. It was not. Letter in the mail gives reason as not submitting requested information. Even the representatives on the phone were confused as to why when I called back in. They stated all information was there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
I am requesting that the fraudulent accounts on my credit report be removed as they are not mine and I have no knowledge of them. I am invoking my rights under USC 1681g, and I kindly ask that you delete these accounts from my credit report within 15 days. Attached are the necessary documents to support my 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
Consumer complaint received 2023-05-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone try to open many the credit card under my name. 
And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. 
Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX XXXX XXXX XXXX 
Most of the inquiry is credit card inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
XXXX XXXX now called XXXX XXXX XXXX XXXX XXXX XXXX XXXX is calling someone else talking about my personal information Ive asked for what this is in writing and no response Ive also disputed this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TX

Complaint narrative:
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from XXXX XXXX XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.

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