vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Our loan was bought out by lakeviewloanservicing .. we had nothing but problems with them. They make it hard to pay.. last month they raised our payments even tho we were told that would never happened. They also took 2 payments out of my account. We called they told us it was almost impossible to get our money back on the extra. That we would be payed off for next month. Next month came and of course more problems.. they decided that they where going to put out money into the escrow and now we owe again ..please look at their reviews online ..they are making not just me suffer but many others ..please help us out..

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This issue involves PayPal Cashback MasterCard. 

On XX/XX/2024 I had a balance of {$11000.00}. 
I paid the minimum balance of {$360.00} on the due date XX/XX/2024. 
On XXXX XXXX I paid the remaining amount of {$11000.00} and the balance on the account went to {$0.00}. 
On XX/XX/XXXX I was charged an interest charge of {$190.00}. 
I called the paypal customer service number the same day and asked why I was being charged interest on a balance of {$0.00}. The representative explained that if I pay the minimum balance and carry a balance past the due date I would be charged interest of the remaining balance 7 days later which would be for {$190.00} on the XXXX of XXXX. 
On XX/XX/2024 I paid the remaining balance of {$190.00}, XXXX weeks before the due date to avoid any other " interest charges ''. 
From XX/XX/XXXX to XX/XX/XXXX, I had no balance due, but today, XX/XX/2024, I noticed an interest charge of {$2.00} on the account. I called PayPal customer service again and the first person I spoke with was rude and hung up on me when I tried to explain the situation. I called back and spoke with a different person and she was just as rude but a little more helpful. First she tried to explain to me that I made a late payment which wasn't true, and I explained what was on the statement and how I was not charged a late fee, because the payment was made on time and I didn't have a balance on the due date because I paid the account off two weeks before the due date. Eventually she told me they would waive the the XXXXXXXX XXXX off of the account and I 'should n't ' see another interest charge on the account again. I'm reluctant to believe this considering it's the third time I've heard that from their customer service.

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 2024-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO GET AN AUTOMOBILE IN MY NAME. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : BRIDGECREST # XXXX XXXX XXXX. XXXX I FOUND OUT AFTER I LOOKED AT 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 2024-05-17 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: CA

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please update the accounts to reflect correct status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

15 U.S.C. 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. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

15 U.S.C. 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. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio recovery and associates has repeatedly called me over the course of near a decade. The debt has been time barred for a couple years and they are more than aware of this. I first started blocking numbers but they would call from so many different numbers that it wasn't feasible. I then answered somewhat recently on XX/XX/XXXX, told them to never contact this phone number again or it will be considered harassment and they immediately called again and have done sontwice since I have done this. They have attempted to call me via blocked numbers, when I have answered them in the past, they would try not to answer my questions about who was calling until I told them who I was, they have called me since me telling them not to contact me and long since the debt has been time barred in both the state of Texas where the debt was alleged to have been incurred as well as the state of Washington where I am and always have been a legal resident of. I am so tired of looking at my phone and seeing their number pop up, especially during my working hours. This is a time barred debt, and I have already asked them not to contact my phone number ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened business PayPal account for my new LLC business. I do freelancing graphic designing and embroidery digitizing. 

I started using my new PayPal business account on XXXX by creating invoices for the work I do for one of my customers. I sent 2 invoices first, which were paid by my customer. Then I sent the 3rd invoice for the same customer and also was paid. The next day, I received email from PayPal saying that my account is being limited and they need to review the transaction. They asked me to explain what are these invoice and the transaction for, and asked to describe the service that I provide for my customers. I explained what type of service I provide. I also submitted copy of my ID which they asked about. I even sent them screenshot from my embroidery digitizing software that I use to perform the work. I sent screenshot with the exact designs I did for my client and the name of these designs were in the invoiced I sent to my customer. 

Then, the next day I received an email from PayPal that they permanently deactivated my account and I am no longer be able to use PayPal service to receive or send money. Not only that, they put a hold on the fund that is currently in my PayPal account for 180 days!!!!! 

What shocked me is a line that was in the email I received from PayPal saying : " Based on the information we have today, it looks like customers were dissatisfied with activity from this business. '' Seriously!!!, I only used the account to transact with only one customer, and she was satisfied with the work I done for her, so I don't know how PayPal came to the conclusion that customers were dissatisfied with activity from my business!!!!! Did they reach out to the customer and asked her?? 

This is unbelievable. If PayPal doesn't want me to use their service, that's fine, I cam always use some other service to conduct my business. But they don't have the right to hold my fund for 180 days for no reason. I guess this is a typical practice from PayPal to hold people 's money for any fabricated reasons, and then they can earn interest on our hard earned money while we are waiting 6 months to get our money back. 

Here is my PayPal account information : PayPal email : XXXX Business legal name : XXXX XXXX, XXXX Business is incorporated in California

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To whom it may concern : I am unaware of of this debt PORTFOLIO RECOVERY ASSOC I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this. 
I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC. I am revoking all rights for them to communicate with me through email, text, and calls. 


I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this.

I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC. I am revoking all rights for them to communicate with me through email, text, and calls.

. I did not have an opportunity to dispute this information. If in fact, PORTFOLIO RECOVERY ASSOC, believe you have given me proper notification then please send me the certified receipt with my signature stating I received this.

I have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) PORTFOLIO RECOVERY ASSOC, is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means.

PORTFOLIO RECOVERY ASSOC, has no authority to furnish any account to consumer reporting agencies ( XXXX, XXXX nor XXXX ) without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) ( 2 ) ( 7 ) ( A ).

I am disputing that I owe any and all debts to PORTFOLIO RECOVERY ASSOC I am revoking all rights for them to communicate with me through email, text, and calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY SETTLEMENT ON CONSUMER REPORT To Whom It May Concern : This communication serves to bring to your attention that an unauthorized inquiries is improperly reflected on my consumer report. I have not granted permission for accessing my credit profile, and no legal basis exists for sharing my private information with third parties. These actions potentially amount to Aggravated Identity Theft, violating 18 U.S.C. 1028A, a felony with civil and criminal repercussions. 
Your reporting of this negative information on my XXXX consumer report on dates listed with accounts below without proper authorization constitutes a breach of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), as established in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ). 
Notably, no transaction or " account '' as defined in 15 U.S.C. 1693a ( 2 ) exists between myself and XXXX, XXXX behalf of XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX behalf XXXX XXXX XXXX Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number XXXX XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, DE XXXX Phone Number XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, DC XXXX Phone Number XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Number XXXX Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX, TX XXXX Phone Number XXXX XXXX XXXX Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number XXXX XXXX XXXX Behalf Of : XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, UT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Pursuant to 15 U.S.C. 1681n ( a ), individuals knowingly obtaining consumer information from reporting agencies under false pretenses could incur fines, imprisonment up to 2 years, or both.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief