vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX opened XX/XX/2016 Acct # 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit report states that I was Employed somewhere I never was. 
XXXX XXXX was never an employer of mine

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: 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to submit a complaint and appeal the decision to permanently limit my PayPal account XXXX I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would like to emphasize that I have not violated any PayPal policy or engaged in any fraudulent or illegal activity. I have always used my PayPal account in good faith and in compliance with all applicable laws and regulations. Therefore, I strongly believe that the permanent limitation of my account is unjustified and has caused me significant financial and personal hardship. 

I understand that PayPal has the responsibility to ensure the security and integrity of its platform, and I fully support these efforts. However, in my case, I believe that there has been a misunderstanding or error, and I respectfully request that PayPal review my account activity and reconsider its decision. 

I would appreciate it if you could provide me with any information or documentation that may have led to the decision to permanently limit my account. I would be happy to clarify any issues or answer any questions you may have. Additionally, I would be grateful if you could provide me with a timeframe for when I can expect a response to my request. 

The email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate with me via this email address. 

Thank you for your attention to this matter. I hope to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitalone Auto Financing reported my account late multiple times when I have a bill of sale dated XX/XX/23. This company reported my account late multiple times in a 30 day period when it was not delinquent. Lost check from car dealership. Multiple issues getting the title.

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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Options XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It XXXX Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX XXXX XXXX XXXX finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, 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: 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: LA

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a package stolen off my porch and tried to resolve this with the company I ordered from, XXXX XXXX XXXX. I have video evidence of the theft. Despite this, XXXX refused to refund me and so I filed a chargeback on my credit card. XXXX then emailed me saying they had refunded the purchase. In reality, they had not and had filed a rebuttal to my chargeback and I never received this rebuttal. I did not receive a letter in the mail nor was there ever a notification on the Chase app, which I check regularly. I called customer service and Chase said there was nothing they could do because 30 days had passed since XXXX submitted the rebuttal. Upon hearing this, I went searching for this letter, and it is buried so deep within several menus and is nearly impossible to locate. It is clear that Chase did not want me to find the letter. Furthermore, their customer service telephone hours are only during weekdays when I am at work, and have a long hold time so it is difficult to reach them if you work full time ( I work long hours in an operating room and can not make phone calls during the day ). After finally finding the letter, I found that the item that was stolen from me ( a formal dress ) was returned in the XXXX store the same day it was stolen, and was exchanged for a bunch of mens ware. Despite having evidence of this crime that I filed with the police, and evidence that XXXX knew the merchandise was stolen and still filed the chargeback rebuttal, Chase refuses to refund these charges. XXXX 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am not liable for this debt with Capital One and do not have a contract with Capital One. They did not provide me with the original application like i asked but I keep getting automated responses

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I have contacted Southwest Credit about sending me a written contract between me and the original company with my signature and date that I obtained this service. Unfortunately they have only sent me billing statements that doesnt even have my last name on it. I first contacted them in XXXX and they have yet to send me the contract. I would appreciate it if this debt could please come off my credit since they were unable to provide me with the contract from the original company.

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 — Information belongs to someone else
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX You are in violation of The Fair Credit Reporting Act ( American Credit Acceptance account number XXXX ) Has violated several of my rights. 

15 U.S.C 1681 section 602 A. clearly states that 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 instruction.

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.

Remove these late payments and update this account IMMEDIATELY as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NJ

Complaint narrative:
In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I went to the ATM at XXXX  XXXX in XXXX XXXX to withdraw XXXX I put my card in the machine followed the prompts. The ATM said to take my card I did and out came the receipt but no money followed. So I went to the clerk and he said I would have to dispute it with my bank so I have done that three times already. And I have all three times sent the pictures of the ATM reciept and how after the transaction it said out of service I even called the number on the ATM it has a option if you didn't receive your money from the ATM do this so I have called them twice and left messages no reply. I'm frustrated at how a company can steal a person money all they have to so is look at the camera or investigate this matter properly but they are not so I'm asking that you guys please help me to recover my .only your help in this matter is greatly appreciated.. I have also requested the supporting documents that they are basing there decision off of. The last image is the only thing they have produced thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
File first dispute back last year, dispute somehow became overlooked and unfounded, filed secon comments this year boa didn't investigate waited untill last day claim was due and denied claim without cause. Call and ask for documentation that Substantiated. The denial of said claim never received any documents my mail or email. Asked for reconsideration of claim and told it would be completed in 45 days we are weeks past that time frame still no anwser no provision cresit. No documentation.

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: 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: ME

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always complied with your terms and conditions, and I have conducted all my transactions on the platform with complete transparency and honesty. Therefore, I am puzzled as to why my account has been permanently limited. 

Secondly, I would like to request that you re-investigate my case thoroughly. I am confident that upon further review, you will find no reason to keep my account limited. I am willing to provide any additional information or documents that you may require to resolve this matter. 

Finally, I kindly ask that you restore my account if possible. As a loyal PayPal customer, I rely heavily on the platform for my online transactions, and this limitation has caused significant inconvenience to me. I would like to continue using PayPal as my preferred method of payment, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
as was my prior complaint # XXXX I did not authorize any inquiries and these were not removed These lenders have accessed your credit file : 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 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: 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: IN

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with 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 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington mortgage company defrauded us in terms of the covid forbearance modification in which we given by not modifying loan but instead taking XXXX and putting a lein on our house and now not taking payments and stating we are in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have tried to make mortgage payments online in the past, but the online portal periodically does not work. When I called the mortgage company on XX/XX/2023, I was told my account was behind, they could only take two payments, so two payments were scheduled for draft on XX/XX/XXXX. They did not occur. On Monday XX/XX/XXXX, a week after the XXXX, I called the mortgage company to inquire on why the payment had not gone through. I was told that they were unable to ( for unknown reasons ) and that I needed to wire {$10000.00} via a XXXX XXXX to a trust fund before XXXX that day. I explained that I wanted to pay ALL money owed immediately, right now. They said my account was now in foreclosure and that I had to go to a XXXX XXXX and make a wire payment before XXXX. When l asked for a letter, email, or other form of written instruction, I was told they could NOT provide any as per policy. I was to call from the XXXX XXXX and receive VERBAL INSTRUCTION ONLY. 

Please assist.

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