vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: MS

Complaint narrative:
I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe this decision was made in error and I would like to appeal the restriction imposed on my account. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always conducted my transactions in accordance with the guidelines outlined by PayPal. Therefore, I am confused and disappointed by the sudden limitation imposed on my account. 

I kindly request PayPal to re-investigate my case thoroughly. I believe there has been a mistake or misunderstanding that has led to this limitation. I am confident that a closer examination of my account activity will reveal that there are no grounds for this permanent limitation. 

I understand the importance of upholding the integrity of PayPal 's platform, and I fully support efforts to maintain a secure and trustworthy environment for all users. However, I firmly believe that in my case, an unjust limitation has been placed on my account. I kindly request PayPal to review the evidence and reconsider their decision. 

Please take into consideration that my PayPal account is an essential tool for my online financial transactions, and the permanent limitation has greatly disrupted my ability to conduct business effectively. Therefore, I kindly request PayPal to expedite the re-evaluation of my case and, if possible, restore my account to its normal functioning. 

For further correspondence, please reach me at XXXX. I sincerely hope that PayPal will carefully re-evaluate my case and take the necessary steps to rectify this situation promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I got two letters in the mail from PayPal Credit indicating I have a balance that needs to be paid. When I call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative. I go to the website ( paypal.com ) and there's no indication of any payments that need to be made. I tried to close my account and it says I cant unless I transfer the sum of money to my debit card. I believe this is a scam.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldos & Associates keeps changing the date on a collection from 2017 gym membership. It was for a free trial I forgot to cancel. Because I didnt renew and keep this membership they placed it into collections. This is unlawful and I can prove this issue is from 2017. The fact that I care should display character that Im being honest. Please help me remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau stated my account was properly investigated but how is that possible if the open dates is inaccurate the date last active is inaccurate and date last reported is not accurate. The ground for removal and they also violated my right under 15 USC 1681 section 602 ( a ) states I have the right to privacy 15 USC 1681 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more then 30days days to complete my certificate mail tracking number Account number XXXX Because of stain on my report I have been living with people and unable to get my own home for years now I cant not get a car in my name denied on 4 different occasions and its not fair to be missing out on basic things you need to survive in today world.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.

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 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Collections Account : XXXX XXXX : opened XX/XX/XXXX XXXX inquired with dates as followed : XXXXXXXX XXXX ( Finance ) /XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXXXXXX XXXX XXXX  ( Auto ). XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) / XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX  XXXX XXXX XXXX, XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( Finance ) XXXX/ XXXX XXXX, XXXX XXXX ( Auto ) XXXX  XXXX ( Bank ) XX/XX/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 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My mortgage servicer is US Bank. Due to COVID-19, I experienced a loss of income and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX for assistance. With the help of Legal Aid, I applied for mortgage assistance through XXXX XXXX XXXX XXXX XXXX Homeowners Assistance Fund ( HAF ) program, Save the Dream Ohio. 

On XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXX conditionally approved my application. They sent a verification record to US Bank for them to send back to the XXXX  XXXX XXXX XXXX. US Bank completed this step in XX/XX/XXXX. Shortly after, the XXXX  XXXX XXXX XXXX notified me that my application had been fully approved. 

Save the Dream Ohio made the first payment on XX/XX/XXXX, which reinstated my loan. I was also approved for six months of additional mortgage assistance. To date, the XXXX  XXXX XXXX XXXX has sent mortgage assistance payments to US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, my most recent billing statement, dated XX/XX/XXXX, indicates that I am two payments behind. I have erroneously been charged late fees for two months.

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 2023-06-28 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:
XXXX XXXX XXXX {$0.00} - Charge off Amount {$4800.00} 1099C received- NO Experian - Charged off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? 
XXXX - Charged off XX/XX/XXXX Sold to Collections XXXX XXXX XXXX- Balance {$2900.00} Charge off {$22000.00} 1099C received- NO The car was stolen in XXXX of XXXX. My insurance paid and my XXXX insurance paid. This should NOT BE a charge off. The account was paid in full. They show the account being charged off in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX Balance {$380.00} Charge off Amt {$380.00} 1099C received -NO Experian - Charged off XX/XX/XXXX XXXX - Charged XXXX XX/XX/XXXX XXXX  XXXX Balance {$2500.00} Charge off Amount {$2500.00} XXXX received-NO Experian - Charged off XX/XX/XXXX XXXX - Charged off XX/XX/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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX DBA XXXX  reported a fraudulent account on my credit reports. i have never done business with this company i have reached out through regular us mail and certified mail with return receipt and still have not heard a response. 
This account the have is not mine and they are violating my consumer rights. 
i asked that they provide me with a contract that bears my actual signature, and a copy of the Identification used to open this alleged account. Since this is a loan i am sure they need all of these things to loan or lease anything. If any products or merchandise was sold i would like the shipping or mailing address where these items were sent.

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 2023-06-28 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: TN

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  Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.

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 2023-06-28 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: TN

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 Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.

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 2023-06-28 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I submitted a pay off check which is what THEIR system indicated balance was and once they received my check they said that was not my payoff balance. I am tried Mutiple times to get this straight but they not want to work with me. They provided incorrect account balance on their system. They made the pay off process very unclear and confusing. I feel like I have been treated unfair, now my credit is being reported negatively. This has been the most painful process and company to work with. My check was returned and they are STILL charging more interest when I tried to pay off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
FINAL WARNING TO NETCREDIT TO STOP YOUR ILLEGAL, FRAUDULENT, UNLAWFUL AND ABUSIVE PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-06-28 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: TX

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I placed an order for a product in XXXX and it never arrived and I placed a dispute to my Goldman Sachs credit card and Ive been denied 3 times in this dispute, I have records of the company being unresponsive and leaving me with no answer yet they sided with the vendor. 
Its very frustrating I hope to see if this can resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief