vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: OK

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am writing to file a formal complaint against PayPal regarding the blocking of my account associated with the email address XXXX. I was not provided with any reaso

n for this action. Upon reviewing PayPal 's terms of service, I am confident that I have adhered to all their guidelines. My PayPal account is essential for managing my daily financial transactions, both personal and professional. The blocking of my account has caused considerable financial distress, affecting my ability to conduct essential transactions and meet my financial obligations. Being cut off from my funds has significantly impacted my financial well-being.
I have reached out to PayPal, requesting a comprehensive investigation and the reinstatement of my account. Unfortunately, my attempts have yet to yield a resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance, hoping for an intervention that will prompt PayPal to conduct a transparent review and unlock my account.

The importance of fairness and transparency from financial service providers like PayPal can not be overstated, especially when their actions deeply affect users ' lives. Clear communication and valid reasons must accompany such significant actions as account suspensions.

I appreciate your attention to this urgent matter and look forward to a favorable resolution that will restore my access to PayPal and ensure fair handling of such issues in the future. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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

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 2024-03-07 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: OR

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : 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 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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In the last few months I was in and out of the hospital and unfortunately had to rely on friends and family members to take care of my personal finances. I was made aware by Ally Financial ( Auto ) that since XXXX I had XXXX  return checks from my bank account. I also submitted a few payments through XXXX a ( third party vendor ) Ally uses through their portal with a debit card that did not return because it is automatically deducted. I was told my online services is disabled for 6 months. I can't access any documents or statements pertaining to my account. I was told that a stop payment was on my account and I had to now make cash payments through XXXX XXXX, XXXX XXXX ( third party vendors ) I can also pay them with a debit card. So if this is the case what is the difference in me paying through XXXX which charges XXXX versus XXXX who wants to charge {$29.00} for the same payment? I could not get a clear answer from neither representative I spoke with. I was told the payment would possible return from XXXX XXXX a third party vendor but it wouldn't return from XXXX or XXXX XXXX all third party vendors. This is a direct violation of my rights as a consumer under 1026.10 ( b ) ( 2 ) ). Although the XXXX returned payments was not my direct error it is still my auto loan and I take full responsibility for the mishap. I totally understand if I couldn't make a payment directly from bank account. But to try to force me to use these third party vendors that are more expensive and I am able to use the same debit card I would use for XXXX is a form of punishment for the XXXX  check returns. It's an unfair practice. Not to mention I am still a consumer and have a right to see my statements and access them. When I asked repeatedly why I can not use XXXX I never got a clear answer. They attempted to delete todays conversation but I printed it out and attached it. I also attached the fee for XXXX and XXXX. I made the payment through XXXX successfully for {$3.00}.

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 2024-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Getting an unauthorized hard credit inquiry deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of an unapproved inquiry. 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Reporting delinquent when the loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From what I gather, FCRA 605B dictates the removal of any inaccurate accounts from my credit report. Could you please verify the documents? Some of the specified accounts are incorrect, and it's unsettling for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
XXXX, XXXX, and Transunion are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.

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 2024-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, and XXXX are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As far as I know, FCRA 605B requires us to eradicate any inaccurate entries from my credit report. Would you please verify the documents? I'm feeling uneasy about some of the listed accounts, as they seem to be incorrect.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's my understanding that FCRA 605B necessitates the deletion of any erroneous records from my credit report. Could you kindly examine the documentation? A few of the mentioned accounts appear to be inaccurate, which is unsettling for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 161 section 602 A. States I have the rights 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 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in 2020. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, you have made attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, which is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I expect the following account to be deleted from my credit report within 7 days LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pinebrook Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/year>, I received a call from Advance Loans phone number XXXX at XXXX XXXX. This is absolutely unacceptable and completely disregards the laws surrounding collection calls before XXXX and after XXXX. I do not even have a loan with this company, according to them I was put down as a reference to someone who received a loan so why would I even have a call this late is beyond me. I have received calls in regards to them looking for that person previously, but never so late in the night while in bed.This is a violation of the Fair Debt Collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am appalled by your disregard for my requests to investigate and remove inaccurate information from my credit profile. Despite multiple letters, including my previous attempts to resolve this matter, you have failed to take action. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to honor such requests promptly. Your ongoing negligence is a clear violation of this law. 
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 2024-03-07 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am appalled by your disregard for my requests to investigate and remove inaccurate information from my credit profile. Despite multiple letters, including my previous attempts to resolve this matter, you have failed to take action. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to honor such requests promptly. Your ongoing negligence is a clear violation of this law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely dissatisfied with your bureau 's failure to comply with the law regarding accurate reporting on my credit report. There is fraudulent information present, violating my consumer rights. Whether due to inaccurate, incomplete, or unverifiable reporting, it's crucial that your bureau promptly corrects and removes this misinformation. 
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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation