vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, which I believe was a mistake. My PayPal account email address is XXXX. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always been a law-abiding user of the PayPal platform and have never engaged in any fraudulent activities or transactions. Therefore, I strongly believe that the permanent limitation placed on my account was an error. 

I respectfully request that PayPal re-investigates my case and restores my account if possible. I am confident that a thorough review of my account activity will show that there has been no wrongdoing on my part. I am eager to regain access to my account and resume using PayPal for my online transactions. 

In conclusion, I would like to thank you for your time and consideration in reviewing my appeal. I hope that you will take the necessary steps to rectify this issue and restore my PayPal account. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/2023 XXXX, XXXX, AND EQUIFAX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank, have not deposit my money in account from child support! I get get every week, and they have not put my money in my account A Manager name XXXX I talk to and I still have not received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and XXXX accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted XXXX, XXXX and Transunion by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 Bank of America created a new Credit Card under my business name and sent me a card I did not ask for. I called Bank of America they told me the date it was approved but could not tell me who approved this card being created. They quickly closed the account and are sending me a letter notifiying me that the account is closed. However, this is fraud by Bank of America business credit card department.

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 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I recently looked at my credit report and saw this company LVNV reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. LVNV violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30days of receiving the initial notice. I expect a speedy response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to express my disappointment and frustration with your disregard for federal law and your failure to comply with my dispute letter and follow-up letter, both sent through registered mail on [ date of dispute letter ] and [ date of follow-up letter ], respectively. Despite receiving both letters, you have yet to fulfill your duty as mandated by law. This non-compliance is unacceptable and contemptible, and I am left with no other choice but to file a complaint with the Federal Trade Commission ( FTC ). 

As you are aware, federal law requires you to respond to dispute letters within 30 days. Your non-response is a violation of the regulations set by the FTC ( see 15 USC 41, et seq. ). I have documented all my communications with you on this matter and will file a complaint with the FTC should you continue to neglect your legal obligations. 

I remind you that your willful noncompliance may result in liability, as in the case of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ). 

For the record, I have informed you on two separate occasions, more than 75 days and again 40 days ago, that the following information on my credit report is inaccurate and incomplete : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX I request that you immediately remove this erroneous information from my credit report. Failure to do so will result in a formal complaint with the FTC. 

If you continue to disregard federal law, I will pursue legal action for recovery of damages, costs, and attorney fees. I am keeping a detailed record of all my communications with you, including your non-response and noncompliance. 

Please provide the name, address, and telephone number of each credit grantor or other subscriber as required by federal law. You had 30 days to complete your re-investigation, yet you have failed to respond. I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your re-investigation. 

I hope to resolve this matter quickly and amicably. Please contact me at the telephone number above to confirm receipt of this letter and to discuss the steps you plan to take to correct the inaccurate information on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
I found a lot of discrepancies on my credit report from Experian and i have right to privacy under 15 USC 1681. Experian did provide an original contract with my name, address, phone number and signature for this account. Experian did not provide a breakdown of billing and payment history for this account. Experian did not show that the creditor have right to collect this debt. 

I demand the account listed below be remove from my credit because Acounding to 15 USC 1681 i did not give Experian permission to furnish this information ACCOUNT # 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 non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/2023 EXPERIAN, XXXX, AND XXXX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I opened an account with key bank & deposit a check for XXXX from XXXX XXXX the check set there for a week then on Friday morning it got locked due to illegal activity I went into the branch & spoke to XXXX XXXX he told me show Id I showed Id then told me to wait while they do the investigation then was told they needed ss card gave them that threw email on XX/XX/XXXX I came in again to fill out a paper to get a timing on the account being unlocked then was told to wait & that he would call me when this paper got approved since then Ive waited until XX/XX/XXXX still nothing I need my money to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent my letter out on XX/XX/XXXX via fax to Capital one dispute department. I explained to the Capital One dispute representative that i had XXXX, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my XXXX XXXX XXXX to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The Capital One & credit bureaus representatives told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and capital one continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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:
In accordance with the Fair Credit Reporting Act Account ( s ), XXXX  account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, violates my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: PA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-05-10 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: MI

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Small Business

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 2023-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
AES/PHEAA recently closed a complaint where they made false accusations against me that they blocked my chat capabilities because they claim that I engaged in " Inappropriate behavior ''. AES/PHEAA has fabricated this and lied. The reality is that their employee was engaging in Inappropriate behavior because they blocked me for asking questions. Why would their Agency unblock me and submit a grievance against the employee if they did not feel it was the fault of that Chat Agent? Whoever responded to this last complaint will also be getting a complaint against them as a result of the false statements made against me. I will also be reaching back out to the Inspector General with a copy of these complaints. I'll be requesting that the IG traces the responder and issue corrective action as a result of this response. The previous response was not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My privacy rights as a consumer are being violated by unwarranted credit reporting that is optional pursuant to the Fair Credit Reporting Act. TransUnion and XXXX is reporting, selling, and communicating false debt without my consent. My credit report is inaccurate and is causing the consumer significant harm. I demanded several times that TransUnion and XXXX send the description of their reinvestigation of a disputed account that they said was a verified account. These charge off XXXX XXXX accounts are not mine. They refuse to send me proof of who verified these alleged accounts, who they spoke with, and the documents used to verify alleged debt. Credit reporting is not mandatory by law, and TRANSUNION & XXXX have my information without my consent and have not received permission from myself the consumer. Both companies are showing transactional history between consumer and alleged creditor in which all transactional history my be excluded from my 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