vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/year> I ordered a sink drainer it came from XXXX. On the website it stated it was compatible with all sinks it was not. Everything was written in XXXX. It was difficult to respond or send back. I filed. Complaint with PayPal the amount of purchase was {$30.00}. Which PayPal is supposed to help the consumer when a product is not right. Pay Pal has been given me havoc since XXXX kept denying in the seller 's favor. I constantly calling them. They were sending me XXXX repedily asking me for the tracking # which I gave because they found an address in XXXX promised they would pay for shipping {$30.00}. it took 4 months to get that but not given for the return item. {$30.00}. They promise to correct refund me and never do. I did everything the seller and PayPal. I should just get a refund. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: VA

Complaint narrative:
I opened a credit card on XX/XX/year>, money cleared from my bank account on XX/XX/year>. 
I never received a card in the mail. 
I contacted their customer service multiple times to inquire about where my card was. 
After being given 3 different dates my card was " mailed out '', I requested they close my account and return my money. 
After several days I have yet to receive my money. 
I called their customer service today to see when I'll get my money back. They're now claiming I'll only get {$120.00} back due to me owing for the annual fee, and closing account fee. I asked why I have to pay either when I never received the card. They said they could mail me a check for the {$25.00} annual fee, but I have to pay the {$50.00} closing account fee. 
I fear if I keep calling back, they will just keep making up fees until they can keep the entire {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second follow-up regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX account ( Acct # : XXXX ) on my credit report. Despite my previous dispute, the inconsistencies and errors remain unresolved.

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 2025-02-20 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: IA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$10000.00} XXXX XXXX {$4500.00} XXXX XXXX {$170.00} XXXX XXXX {$210.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2025-02-20 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: KY

Complaint narrative:
I filed a complaint with CFPB against XXXX and XXXX for attempting to collect a debt not owed. XXXX responded XX/XX/XXXX and XXXX responded XX/XX/XXXX. On XX/XX/XXXX Experian completed my dispute both items remain on my credit report and are said to be verified. Both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX confirmed in writing that these accounts were fraudulent and closed. XXXX also stated that they requested the credit bureaus to delete their listing from my profile. However, Experian failed to remove these items from my credit report after my dispute.I have attached : XXXX. The response from XXXX confirming the XXXX account was fraudulent and that they requested deletion from the credit bureaus. 
XXXX. The response from XXXX confirming the XXXX account was fraudulent and that they updated the status. 
XXXX. A copy of my previous dispute results from Experian, showing they failed to remove the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: KY

Complaint narrative:
I filed a complaint with CFPB against XXXX and XXXX for attempting to collect a debt not owed. XXXX responded XX/XX/XXXX and XXXX responded XX/XX/XXXX. On XX/XX/XXXX Experian completed my dispute both items remain on my credit report and are said to be verified. Both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX confirmed in writing that these accounts were fraudulent and closed. XXXX also stated that they requested the credit bureaus to delete their listing from my profile. However, Experian failed to remove these items from my credit report after my dispute.I have attached : XXXX. The response from XXXX confirming the XXXX account was fraudulent and that they requested deletion from the credit bureaus. 
XXXX. The response from XXXX confirming the XXXX account was fraudulent and that they updated the status. 
XXXX. A copy of my previous dispute results from Experian, showing they failed to remove the 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
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I tried to remove this becasue it is not mine. I wanted to remove it, but they keep reporting it. They have not provided the account information. I am writing to formally dispute inaccurate and outdated information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The items listed below contain errors and are negatively impacting my XXXX XXXX. Under the FCRA, you are required to ensure that the information reported on my credit file is accurate and verifiable. If you are unable to verify these items, they should be removed or corrected. 
Please review the following information on my credit report, and update or delete these inaccurate items as required by law : 1. Late Payments : Several late payments are reported on accounts that I believe are either inaccurate or not attributable to me. Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I request that XXXX verify these accounts with the original creditors. If these late payments can not be verified as accurate and belonging to me, they must be removed from my report.

2. Incorrect Addresses and Phone Numbers : My credit report includes outdated or incorrect addresses and phone numbers that are not associated with my current or past residences. Please update my information to reflect my current address and phone number, as inaccurate personal information may indicate potential errors or identity confusion. FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to request accurate personal information.

3. Accounts Not Belonging to Me : There are accounts on my report that I do not recognize and do not believe are associated with me. Under FCRA Section 611, XXXX must verify the ownership and legitimacy of these accounts. If they can not be verified, I request their removal from my credit file. 
I challenged items in my report and did my investigations. I request that you update the information on my report, which I have listed below. If you have not done so, place EXTENDED FRAUD ALERTS on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXXXXXX  INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
I went to the emergency room at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX on XXXX XXXX. I was later billed ( around 3 months after the fact ) for a total amount of {$100.00}. I paid the full amount on XX/XX/2024 with the payment recieved/confirmed by my bank on XX/XX/2024. I received a letter from State Collections Service , Inc. just last month in XXXX stating I now had an outstanding debt of {$400.00}. I'm not sure why the hospital did not contact me further notifying me of the outstanding debt or why there even is an outstanding amount for a bill I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
Social security number XXXX my complaint is that there is XXXX negative item on experian that XXXXdays late it supposed to be removed from my XXXX experian credit report I have a federal trade report on file. And on trans union there is XXXX negative items XXXX are charge off and the other XXXX are past due and also there are XXXX hard credit inquiries that supposed to be removed or blocked I have a federal trade report on file

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/year> Re : Dispute Regarding Checking Account and Paycheck Deposits I am writing to express my concern and frustration regarding the issues I have been experiencing with my checking account at PNC Bank. On XX/XX/XXXX, I opened a new checking account and deposited a paycheck from my employer, which covered XX/XX/XXXX to XX/XX/XXXX. 

However, I subsequently received emails from PNC Bank stating that the check was being held for further review and later that it was being returned due to suspicious fraudulent activity. Despite my employer gave me next paycheck ( XX/XX/XXXX to XX/XX/XXXX ) the one I deposited Online and he issuing a replacement check for the XXXX fraudulent check, which I deposited via ATM, my account was blocked on XX/XX/XXXX due to suspected suspicious activity. 

Over the past week, I have made multiple phone calls to PNC Bank XXXX customer service department seeking assistance and clarification on this matter. One representative informed me that my employer needed to contact a specific number to resolve the issue, which they did on Friday, XX/XX/XXXX. However, when I visited the branch on Tuesday, XX/XX/XXXX, I was informed that the issue was still not resolved and that my account was at risk of being closed. 

I am deeply concerned about the impact this situation is having on my financial well-being and the lack of clear communication from PNC Bank XXXX I urge you to investigate this matter further and provide a detailed explanation for the actions taken on my account. I would appreciate it if you could also clarify what specific factors led to the suspicion of fraudulent activity, particularly given that my employer uses the same check format for all employees, including my wife, who has experienced no issues with her account. 

Today I received a call from the beach representative that PNC has no provide resolution and their closing my bank account soon. I havent receive money for my job for weeks I have responsibilities and family this is not fair at all. 

I look forward to a prompt response and resolution to this matter. Im consten that this is going to affect my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-20 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: NJ

Complaint narrative:
'I am writing to delete the following information from my file.The items I delete are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I am a victim of identity theft and I never opened this account. This is a violation of the FCRA and is also a violation of requisite XXXX XXXX Compliance Reporting Standards Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report 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