vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
Regarding CFPB case - XXXX This is unacceptable. I have wallets with Venmo, XXXX and XXXX XXXX XXXX but I have NEVER received wrong payments from these banks. Paypal need to investigate why I keep getting money from people I don't know. Why should it be my responsibility to login to my account and refund money which I don't want and which is wrongly sent to me. I am not a businessman and am also not selling any goods. I have a XXXX job and use Paypal only for transferring money to friends. You need to fix your system instead of blaming me or asking me to take steps when money is wrongly transferred to me. 

FYI- for the transaction last month the reached out to the sender and asked them to reach out to you to cancel the transaction. But why is this my responsibility? Paypal should fix their system. 

I would ask CFPB to not close this case and ask Paypal to fix their system. They need to investigate why I get this money in the first place when I have not requested it from anyone. Would also ask you to rollback the fees you charged me. I am not ending this case sorry. I will go to any authority if needed. I am innocent. Fix your system please. I am awaiting answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Despite my efforts, these issues are unresolved. Enclosed is my letter to the credit bureaus. Your firm called my request " frivolous '' or " irrelevant. '' This is important to me. If ignored, I will report to the FTC. Provide evidence of the item or remove it from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We had a balloon mortgage with Shellpoint Mortgage Services. The balloon expired and they did not notify us or give us an opportunity to refinance. They put our house in foreclosure. They did not notify us of that either. The only way we were informed is when we were contacted by an attorney to help with the foreclosure. Because they put us in foreclosure, our credit report reflects that and now we can not get a loan. Shellpoint is putting our house up for auction. We fortunately have a lot of equity in the house and were told by many lawyers and real estate agents that some mortgage companies do this to get the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was trying to buy a house I realized I had damages on my credit report according to the XXXX XXXX XXXX law there should be No damages on my report this has caused me hardship and is gross deformation to my character knowingly reporting inaccurate fraudulent information against me in efforts to destroy my character. Also the XXXX XXXX law has been violated against me concerning a bankruptcy

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 2024-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hauge Associates, Inc.
State: NE

Complaint narrative:
I have a debt in collections with Hauge Associates , Inc for XXXX debt. I called XXXX to remit payment for my debt via XXXX cards. They informed me that there would be a {$20.00} card processing fee for both payments if I was not able to remit payment via a checking account draw. I complained, and they waived the fee for me. However, I firmly believe this is predatory in nature and they should not be able to charge a fee such as this to any people in debt. As a person with medical debt in collections, my ability to pay excess fees is non-existent. Please prevent this company from charging or threatening to charge a fee for recieving payments. 

There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: JPMORGAN CHASE & CO.
State: VA

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 XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
My Sofi account had been restricted on XX/XX/XXXX, I had called multiple times and no reasons were given for restriction. Called today, XX/XX/XXXX spoke to a security member and was told my account was in process of closure and that my money would be sent to the originator, which they could not tell me where that is. When asked to speak to a supervisor I was told no one could be able to help me out and that I should call back later on. This account has all my money in it and the security member pretty much had told me I would lose it all. I am confused as to whats going on because of the fact I am in the dark about what is going on with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft 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 non-monetary relief
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AK

Complaint narrative:
I used this money to pay my over due phone bill {$600.00} because my phone got turned off and I had nowhere to turn. I want to report this company as an unfair lender because they have hidden their interest payments when signing paperwork that I am only paying {$25.00} towards the loan and they are taking the rest as interest. My payoff is more then I got the loan for even after making XXXX months of payments and I will do everything I can to show people of their shady lending business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft 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 non-monetary relief
Consumer complaint received 2024-05-31 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone accessed my information from my phone. I lost my phone and when I got it back, a week later funds were being transferred to another account without my knowledge. Wells Fargo will not give me my money back even though they see that someone besides myself was accessing my account.

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 2024-05-31 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
i was notified by my credit reporting agency around XX/XX/year> that XXXX delinquent XXXX account 's where added to my report. ( i do not have XXXX ) I immediately looked and started calling the collection agency 's ( I live in XXXX  my whole life ) the address listed where from XXXX XXXX XXXX XXXX XXXX  XXXX and neither numbers where numbers i know. nor do i know anyone in XXXX  or gave permission to open an account. When i called XXXX they immediately transfer you to an automated line with no real help. file out a form and email it. I have done that multiple times, I've reported fraud on credit reports, and the collection gets removed to only be added by another collection name same XXXX accounts. its not XX/XX/year>, and it still keeps being added and removed. how can someone open a cell phone lines and not have an ID or license number correct information. but yet report to me. I've proven who i am, jumped through hoops, and it seems like they have to prove who they are to open credit fraudulently. Att has not helped at all. what else can i do. my score went from XXXX XXXXs all the way to XXXX with multiple delinquent accounts being removed and added over and over with XXXX being the common denominator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : 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 2024-05-31 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently checked my credit report and noticed some inaccurate and incomplete accounts reporting. Ive DISPUTED via certified mail. Please investigate and VALIDATE THAT ALL DATA for this account reporting accurately including EVERY NOTATION, DATE AND BALANCE WHETHER REPORTED OR NOT!! In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time, It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to XXXX  status ( XXXX XXXX, XXXX Agreed, Never Late ) according to consumer protection laws.

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 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-31 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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