vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 15 US C 1681 section 602 A. States I have the right to privacy 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agencycannot furnish a account wthout my witten 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, Experian, XXXX, XXXX XXXX reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt., Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! You have been served NOTICE TO DELETE THE CHARGEOFF, ITS INACCURATE You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust.

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 2024-04-25 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

Complaint narrative:
Consumer Financial Protection Bureau Subject : Formal Complaint Against PayPal Regarding Account Limitation and Fund Withholding Dear Sir/Madam, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account and the withholding of funds totaling {$140000.00}. My name is XXXX XXXX, and my PayPal account is associated with the email address XXXX. I have been providing virtual consulting services to clients, and PayPal 's actions have severely impacted my ability to conduct business and access my rightful earnings. 
Few days ago, I received notification from PayPal stating that my account had been permanently limited without providing any valid reason for this action. As a result, I have been unable to withdraw or transfer the funds in my account, which are essential for sustaining my livelihood and meeting financial obligations. 
I have diligently followed PayPal 's terms of service and guidelines throughout my usage of their platform, and I am confident that there has been no violation on my part to warrant such drastic measures. Furthermore, PayPal has failed to provide adequate communication or justification for their actions, leaving me in a state of uncertainty and financial distress. 
As a professional consultant, I rely heavily on PayPal as a trusted payment gateway to facilitate transactions with my clients. The sudden and unexplained limitation of my account has not only disrupted my business operations but has also tarnished my reputation and credibility in the eyes of my clients. 
I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and advocate on my behalf to compel PayPal to release the funds being wrongfully withheld and to provide a clear explanation for the permanent limitation of my account. I firmly believe that I am entitled to access my funds and deserve transparency regarding PayPal 's decision-making process. I also lost access of my email address associated with my PayPal account so please ask PayPal to contact me at my new email address XXXX. 
including notification of the account limitation and any other relevant documentation that supports my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores access to my funds and addresses the unjust treatment I have experienced at the hands of PayPal. 

Thank you for your assistance in this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management contacted my wife last XX/XX/XXXX, stating that I have changes of {$7000.00}. for a credit card open and charges were made to XXXX XXXX. I told them I had never opened a credit card or made these changes. I never heard from them until XX/XX/XXXX, when papers were served for me to go to court on XX/XX/XXXX. This is not fair ; it is not me. someone stole my identity. This has affected my credit score. I pay all my bills as displayed by my credit report. I called Midland today, and they put it in dispute. from our conversation, they were sending correspondence to the incorrect address at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, which the gentleman told me on the phone. This is not my address, and I never went there, I don't know anyone there. Today he will mail information for me to follow on what steps to take in the mail, he stated. I am waiting to take steps. In the meantime, I have to go to court on XX/XX/XXXX for something I didn't to. Please help me by taking any steps you can to resolve this matter. 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There is a person located in XXXX XXXX that has access to my account and has admitted to it and its doing Fraud on my account, the person did transactions on my account also used my XXXX to transfer money to a PERSON THAT I DONT RECOGNIZE!!! CHASE BLOCKED MY ACCOUNT UPON MY REQUEST FOR THE FRAUD THEY DID ON MY ACCOUNT! CHASE HAS DETERMINED THAT THEY WILL NOT TAKE CARE OF THE FRAUDS DONE ON MY ACCOUNT AND THAT THEY WILL BE CHARGING ME! AND RETURNING THE MONEY TO THE PERSON WHO DID THE FRAUD!! I NEED HELP!! I WAS ROBBED AND OBVIOUSLY BECAUSE HE IS IN XXXX XXXX NOBODY WILL DO NOTHING ABOUT IT!! PLEASE THIS IS MY ONLY HOPE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXXXXXX XXXX XXXXt XXXX XXXXXXXX XXXX XXXXXXXX. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I went to check my profile I came across some inquiries that were not 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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-25 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: MOHELA
State: GA

Complaint narrative:
I am composing this missive to formally contest the appearance of an antiquated and erroneously reported account that has surfaced on my credit dossier. This matter carries profound implications as it directly implicates infringements upon consumer protection statutes, chief among them being the Fair Credit Reporting Act ( FCRA ), and may necessitate the commencement of further legal recourse.

Upon meticulous scrutiny, I have discerned the presence of an installment account denoted as Mohela/Dept of ED Loan , allegedly amounting to {$2000.00}, which egregiously misrepresents my prevailing financial standing. This discrepancy pervades the entirety of my credit dossier, encompassing inaccuracies in Account Numbers and the covert obfuscation of salient account particulars. I possess ample evidentiary documentation to buttress my assertion, thus necessitating expeditious rectification. I stand prepared with legal counsel to initiate judicial proceedings forthwith.

**Disputed Account Information : ** - **Account Name : ** Mohela/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the purported last day of activity on said account fails to align with the factual date of my last remittance, thus manifesting a patent distortion of my credit chronicle. These incongruities have been diligently cataloged across all credit bureaus and shall constitute compelling testimony as I undertake corrective measures to ameliorate the inaccuracies pervasive within my credit dossier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple requests to credit bureau Experian and XXXX XXXX XXXX for proof of this loan. I have sent multiple emails and made multiple calls to XXXX XXXX for information regarding this outstanding loan. I did not receive any service or product that would render this loan. I requested paperwork and a contract from the company XXXX XXXX who may have been a company that work with XXXX XXXX. They do not have anything in their file. Experian has consistently stated that they did an investigation and as of XX/XX/XXXX can not produce a contact name, actual investigation results or any information that was a part of the investigation. I have placed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All have resulted in the response that they have done an investigation but with no evidence provided to me. 

The last certified letter correspondence I sent to XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX was XX/XX/XXXX and the last email XXXX was XX/XX/XXXX. I have also made many phone attempts to get information at phone number ( XXXX ) XXXX. All attempts have resulted in failed communication. 

At this time I have exhausted all avenues to rectify this issue with my credit report and a loan that I have not authorized using my information. This has been an exhausting experience with what seems to be automated response from Experian.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is a serial repeat offender who constantly violates the laws and my rights by allowing incorrect reporting to happen. When i dispute incorrect information, Experian willfully and intentionally ignores the dispute, and never sends updates after XXXX  days. Experian further refuses to block id theft even with a valid police report and id theft report. I have sued experian over XXXX times in my lifetime, and they settle for {$5000.00} - {$100000.00} depending on damages. Once i threaten to sue for them violating the fcra, they will block the fraudulent accounts. Then they will reinsert it willfully and intentionally violating my rights. 

Now Experian has took the biggest step in breaking the law by deleting my entire credit report, causing a lifetime of damage preventing job opportunities, mortgage, loans, utilities and more, because they rather retaliate and punish the victim and whistleblower because their incapable of following the law. They refuse to provide my weekly/yearly report required by the FCRA. they blocked my phone number for calling for any tech support. They went out of their way to discriminate and attack me for only asking they follow the laws.

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 2024-04-25 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: VA

Complaint narrative:
I did a credit report with the XXXX bureaus. There was an account on there that belongs to my XXXX, not me. My XXXX  ( XXXX  ) had the same first/last name but different middle name. I've had this happen before and got it removed no problem. 

Both XXXX and XXXX removed it, but Transunion refuses to do so. I've done the dispute with them now and am currently on the phone with a supposed supervisor telling me there is nothing she can do and refuses to transfer me to anyone above her. 

I have always heard that Transunion is the worst of the XXXX bureaus to deal with and now I can see why. This account does not belong to me and they need to remove it from 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a victim of identity theft, I have taken the necessary steps to protect my credit and financial information. Pursuant to 15 U.S.C. 1681c-2, I have submitted an identity theft report to the credit reporting agencies and requested that all fraudulent information and credit inquiries resulting from the identity theft be blocked from my consumer report. 

The Fair Credit Reporting Act prohibits credit reporting agencies from furnishing any information in my file that I have identified as resulting from identity theft. 

I am entitled to have this information removed, as it was obtained through unlawful means and does not accurately reflect my creditworthiness. The credit reporting agencies must comply with my request and ensure that my consumer report is free of any fraudulent activity stemming from the identity theft incident.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my 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 non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-25 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: OH

Complaint narrative:
i did authurize any of these accounts

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