vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Received e-mail in XXXX from XXXX XXXX XXXX XXXX, a debt collection company. E-mail claimed that I owed PayPal the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any PayPal services in more than two ( 2 ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted PayPal concerning the above, asking PayPal to verify the above statement and, according to PayPal, my account was in perfect order and I did not owe any funds to any person ( s ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my PayPal account and found my PayPal account locked out. I contacted PayPal and they referred me to XXXX XXXX XXXX XXXX XXXX I requested from PayPal as to why my account was locked and PayPal would not give me any information and told me to contact XXXX XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX told me that, according to PayPal, I removed all funds from my PayPal account before funds could be paid out to certain parties. 

I informed XXXX XXXX XXXX XXXX that something is wrong and I never purchased anything via PayPal. I only used PayPal to sell certain items and never purchased any items and that PayPal will not allow anyone to withdraw funds if money is owed. 

XXXX XXXX XXXX XXXX claimed they would look into the matter. XXXX XXXX XXXX XXXX would not identify any involved parties that I allegedly owed money to. 

Received letter from XXXX XXXX XXXX XXXX, postmarked XXXX XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had acquired this alleged debt, in the amount of {$1100.00} from PayPal and that now I must pay this alleged debt to XXXX XXXX XXXX XXXX XXXX 

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by XXXX XXXX XXXX XXXX except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since XXXX XXXX XXXX XXXX refused to identify actual parties making these alleged claims of funds owed, I believe one of XXXX ( 2 ) things are happening here : 1. Identify Theft being my PayPal account was hacked and this is a failure of PayPal to protect their account holders or 2. There is a collusion between XXXX XXXX XXXX XXXX and PayPal to make false claims to extort funds from account holders. 

I have reviewed XXXX XXXX XXXX XXXX ratings on the XXXX XXXX XXXX ( XXXX  ) website and there are numerous filings with the XXXX  of complaints against XXXX XXXX XXXX XXXX for fraud, exactly as I have described my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NJ

Complaint narrative:
I called AESXXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX  years for the account to fall off of my report. XXXX years later, my credit scores ( XXXX and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with XXXX recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: PA

Complaint narrative:
Experian has broken the law! They violated FCRA laws by inaccurately reporting accounts listed on my credit profile, Experian displayed accounts that I gave no verbal or written consent to display, and Experian furnished information solely based on transactions or experiences. I am demanding the following accounts be removed immediately and for Experian to remit the amount of {$10000.00} payable to me for XXXX, emotional distress and hardship. The accounts that should be removed are : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX Card Account number XXXX, XXXX  Account number XXXX, ALL DEPT OF EDUCATIONXXXX Accounts It is showing account numbers for all Dept of education/XXXX  is listed as XXXX. XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX XXXX Card 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 non-monetary relief
Consumer complaint received 2023-07-13 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: CO

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

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX  # XXXX 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 C ( 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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was notified by email that an application was pending for an account in my name at Bank of America. The next day I also received another email stating my account was approved and open. I contacted customer service at Bank of America and reported this account as fraudulent, I was reassured it would be addressed/closed and it has not happened. I personally placed a " fraud alert '' on my credit report. I had never applied or opened the account, or given them any information, such as my email address, social security number, etc to be able to open an account in my name. I have received the debit card and welcome letter pertaining to said account. I have not received any recent communication from Bank of America regarding the status of my complaint or explanation of this " new account '' Thank you. I can provide copies of the " welcome letter '' and of the actual debit card that I received in the mail if requested.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I paid off my account in late XXXX XXXX. There was trailing interest that I called and paid off with a representative. There was trailing interest to the trailing interest and I was assessed a late fee, then another late fee. I did not open my statement after the representative assured me that my account was paid in full. I asked to have the late fees waived and during this time my account was in dispute another late fee was assessed. This resulted in an amount due of over {$100.00} which was all accumulated due to trailing interest. I now have been advised that the {$100.00} payment will not payoff my account since there will be additional trailing interest. It seems like you should be able to payoff a credit card at one point in time and not have the ongoing battle of paying the trailing interest. By my calculation they will continue to charge interest on the interest forever! I don't feel that the trailing interest is fair and above board. I also do not feel that being assessed a late fee while your account is in review is also fair. When I addressed this with a representative they indicated that my fees were non-reversable and I would continue to be responsible for trailing interest. I have permanently closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-07-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}

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 2023-07-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}

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 2023-07-13 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
We spoke multiple times with Navy Federal that we could not see our transactions online, and they couldn't fix the issue but only stated we have reached the max transactions to view online. When we asked what the number was, they were considered max, and they could not provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
I filed XXXX  XXXX in XX/XX/XXXX, and my attorney advised me to give back my vehicle since it was a bad deal! It was leaking oil & gas, and the check engine light kept coming on after SEVERAL repairs were done! Plus, it had a high interest rate so I agreed. My attorney said he would inform me & GM Financial, on making arrangements to surrender/return the XXXX XXXX. 
They came & repossessed the vehicle on XX/XX/XXXX while the bankruptcy was still active, then sent me a notice saying it would be auctioned on XX/XX/XXXX and I would be responsible for the balance! I did not think this was correct, and I did not like the threat of the letter! My XXXX  XXXX was DISCHARGED on XX/XX/XXXX & my attorney stated I am NOT responsible for any amounts remaining! As a matter of fact, GM Financial owes me for my down payment & money spent for repairs! GM Financial also needs to return to weatherproof mats and logo tag bracket I purchased per the Consumer Rights Act repair Section 23 : Right to repair or replacement!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX of 2023 information on my account with XXXX XXXXXXXX is reporting late payments and it never was I would like it updated and removed from ever being late

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 2023-07-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Spoke to midland credit reacting am old account in my name with an old address where I did not reside at the time of the debt and since stated they had served me documents which I never signed for or received now they have wage garnished me thru my job. Ive requested for them to stop and dispute and they are not helping me all info Is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
I reached out the day before my first installment was due to pay off the loan in full. A representative of the lender explained that they already began processing my payment before the scheduled payment date and that this cant be cancelled and that I will be charged for the full amount of the loan in addition to the first installment. They changed my recorded full payment date to the next day in order to make it seem like I paid in full after the first installment to get more money. This is contrary to what the loan agreement says. I tried to speak with someone from leadership and they explained that they arent available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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