vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AZ

Complaint narrative:
This will be the 3rd time I have filed a complaint for the same thing I got the same response both times and both times I have tried to contact Cash App and was told the same thing nobody knows what it is I need to verify with them The 1 st complaint number is XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I didn't make the atm transactions nor did I allow anyone to make them this has been going on for over a year XX/XX/XXXX XXXX transaction were made at a atm 2 of them are for {$500.00} and one was for {$500.00} both of the {$500.00} atm transaction were completed the 1 for {$500.00} was declined I have filed disputes over and over with Cash App with no luck Both times its been the same response. They keep saying that they can't verify that I am the account owner I have called over and over and YES MY ACCOUNT IS VERIFIED!!!!!! When calling Cash App you CAN'T talk to a manager they say they will be in contact with an email that you don't ever get The agents on the phone will just hang up on you because they don't know what to do PLEASE CAN YOU HELP ME GET MY MONEY THAT WAS TAKEN FROM MY ACCOUNT {$1000.00} I again just now tried to contact support I told the rep what the response letter said and I was told that my claims were sent the SPECIAL RESOLUTION TEAM This is the Cash app dispute number XXXX the name that is on the email I got XXXX XXXX Here is one of the other dispute number XXXX the name on this one is XXXX support manager Please help me get my money back and or help me take my complaint someone that can help me $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Delete all the fraudulent inquiries on my report effective immediately and they include, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX XXXX XXXXXXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX ON XX/XX/2023, XXXX XXXXXXXX XXXX XX/XX/2023

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 2023-04-01 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: OR

Complaint narrative:
I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My account email address is XXXX. 

Firstly, I would like to express my deep concern regarding this limitation as I have not violated any PayPal policy. I have always complied with the terms and conditions of PayPal and have never been involved in any fraudulent activities or violated any policies. 

I am confident that this limitation has been placed on my account as a mistake. I strongly believe that my account has been mistakenly flagged for a violation, and I would like to request PayPal to re-investigate my case. I am willing to provide any necessary information and documentation to support my appeal. 

I would appreciate it if PayPal could restore my account as soon as possible, as this has caused me significant inconvenience and financial hardship. I understand that PayPal has a responsibility to protect its users and prevent any fraudulent activities, but I assure you that my account has always been used for legitimate transactions. 

In conclusion, I respectfully request that PayPal review my case and consider reinstating my account. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I open a citzens bank account in XXXX with a sign up bonus. Deposit direct deposit adding up to {$500.00} dollars in 60 days and {$100.00} bonus in debit card transaction which I did. My bonus suppose to hit XXXX. XXXX nothing. I called and they check everything out and said you met the requirements and give it until the end of day for my bonus if not call tomorrow. So nothing I called asked for supervisor and he tells me it suppose to be single deposit of {$500.00} I said no it said totaling, maybe your new offer said single deposit. I told him you guys are misleading people, and I'm gon na file a complaint and will be closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
H

I 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. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent numerous verifications and request for validations to Experian about an inaccurate account being reported on my credit report. The account in question is : Account # XXXX XXXX XXXX XXXX XXXX {$6400.00} Experian has continue to report factually incorrect information on my credit file regarding this account. The loan account They are reporting is identifying as an installment loan which is factually incorrect. The true account type for the type of account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately! 

I would also like monetary relief because of this inaccurate information. Due to this false information on my credit report, it has caused me to be denied for various credit products and services.

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 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I have been trying since XXXX to have Wells Fargo fix my online account issue that keeps me from being able to pay my bill. I have repeatedly contacted them via email and they assured me that they would contact me within ten days. I never hear back from them nor has my issue been resolved.

I'm receiving monthly statements that include fees and late charges so it seems as if the left hand doesn't know what the right hand is doing. I have worked hard to get my credit to where it is and to have something like this happen is more than discouraging. I pay my bills on time every month because it's extremely important to me. 

I find this type of utter failure by an institution disparaging, nerve-wracking and completely unacceptable. Saying something and actually doing nothing does not make any business sense to me. I want this company held accountable for the frustration and possible damage to my credit. I don't want false promises, I want results. The attachment is just one example of the letters I receive. 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 monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have attempted to handle this with Medical Data Systems on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 15 calendar days will be constituted as your acceptance that this debt is not valid. 

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI 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 WIT
HOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-04-01 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/23 i sent letters to transunion in regards to inquiry removals.They fixed no problems on my credit report disregarding the demands i required for my personal credit report. I asked the specialist when i called in do they follow the UCC codes, consumer law etc. The agent responded yes but they ( transunion ) have a different policy and my response was, are you saying that you ( Transunion ) polices are higher than government law she didn't respond.

In regards to my inquiry removals I asked transunion via letter by mail " Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX I also demand you. ( TRANSUNION ) to produce a contract between you and I, consumer bearing my signature showing that I gave you permission to furnish any information to my credit on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.I received no information on any of the above everything just came back as updated and verified. 15 U.S.CODE subsection 1681A speaks on my right to privacy which my privacy was blantly disregarded by these companies above and must be deleted 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 non-monetary relief
Consumer complaint received 2023-04-01 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: IA

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 explanation
Consumer complaint received 2023-04-01 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Disputed on Experiansubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and Experian will not removed After submitting proof of paymentinaccurate information remains on credit reports

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 2023-04-01 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-01 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: VA

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, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX  : # XXXX, has violated my rights XXXX XXXX XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  : XXXX, has violated my rights. 
XXXX : XXXX, has violated my rights. 
XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX : XXXX, has violated my rights. 
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. 

None of the above accounts exist on my XXXX or XXXX credit reports. I have attempted numerous times to correct this with Transunion. I requested a review of the XXXX accounts using the CFPB platform for both XXXX and Transunion. The result from XXXX was to delete the accounts while Transunion continued to report them, how can this be accurate? Transunion is not consumer centric nor does it follow consumer rights law.

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 2023-04-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Closed my virtual checking and savings accounts. I tried to reopen the accounts, however they closed the accounts without explaining the reasons behind their decision, just said that I violated their terms and conditions.

Company response to consumer: Closed with monetary relief