vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a bank notification around XXXX on XX/XX/2023 stating there was a suspicious log-in attempt to my mobile banking account and that they would lock the mobile banking until I was able to change the password. This prompted me to check my accounts, and I noticed there were 2 bank transfers to venmo of {$1000.00} and {$6000.00} made on XX/XX/XXXX after XXXX XXXX about 15 minutes apart. I didnt recognize these transactions, so I removed my bank information from Venmo and saw that the transfers were still pending. I called my bank ( XXXX  XXXX XXXX ) the following day ( XX/XX/XXXX ) and changed my mobile banking information with the fraud specialist. The fraud specialist told me to check my email for anything suspicious and to change the password. I checked my email and didnt see any emails from Venmo notifying me of the transactions, which I thought was strange. I then checked my trash, and saw all of the emails from Venmo were in the trash. I realized someone had set a filter on my email that sent all Venmo emails to the trash. These emails stated that my venmo password was changed and that someone had added a new bank account a few hours earlier. I opened my venmo app and saw I was logged out. I was able to get back in through changing the password to both my email and my venmo account. The transfers still say they are pending. The following morning ( XX/XX/XXXX ) around XXXX, I received an email of suspicious login activity being blocked from my PayPal account. Nothing that I know of was retrieved through my PayPal account. I froze my credit the same morning. I then called XXXX  XXXX XXXX to dispute the two transfers to Venmo, and noticed three activities on my checking account processing from the very same day, XXXX XXXX  Account Verify. I then called my bank back and froze all of my accounts until further notice. I called XXXX XXXX  to report this incident and they said that someone had access to my account number and attached my bank account to their XXXX XXXX. 

Whoever hacked my email has access to information like medical records, W2 and other tax forms with my SSN along with other loan information and vehicle information. I believe they may have retrieved my email information and banking account number from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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:
On XX/XX/23, I filed complaint XXXX that Experian had falsely told XXXX XXXX that I have " too few accounts currently paid as agreed. '' I have no accounts unpaid as agreed, as even Experian 's records showed. 

On XX/XX/23, I received an email from you that Experian told you it was working on the issue. 

Also on XX/XX/23, I received an email from Experian that told me my dispute results are ready. When I went to the link I received a notice ( both attached ) that " Your dispute results are currently available online ''. When that notice remained after two days I called Experian at the ( XXXX  ) number given and, after 10 minutes of voicemail diversions, I finally spoke to XXXX who told me that no results would be given on line and they Experian isn't doing anything to correct their records or let the creditor know they were incorrect. 

Attachments in one pdf : ( 1 ) Experian 's email saying that the results are ready ; ( 2 ) Screenshot saying results are not available ; ( 3 ) original XXXX notification that they'd been told by Experian that I have accounts unpaid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Transaction ID : XXXX Date : XX/XX/2023 Amount : {$100.00} I reached out to Paypal multiple times saying that I didn't recognize the charge and I've never done business with that company. They keep saying stuff like " based on your purchase history, this charge is legitimate and we're closing the case '' and " there is no signs of fraud ''.. Pretty much telling me to suck it up and pay my negative balance, because now they are holding my financial information from my actual bank hostage and won't let me remove it from their system. I've been defrauded through their system before and I no longer feel safe having my financial information on their servers as I don't need malicious people wreaking further havoc on my actual bank account. 

They are refusing to remove my banking information which I have already stated to multiple members of their company that I have revoked their authorization and permissions to hold that information on their systems. 

I no longer wish to do business with Paypal, Paypal is a wan na be bank that offers absolutely no consumer protections against acts of fraud, they will just blatantly deny your claim and leave you owing them money, then hold your actual banking information hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had filed XXXX XXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX  XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
I had filed XXXX XXXXXXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX  XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
It's been over a year since i've tried to close my account. I submitted this claim to the CPFB a year ago and paypal still refuses to close my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my second complaint and the first one was closed and I have gotten no help. My previous complaint # XXXX on XX/XX/ was not resolved and Equifax did not address the issue. I have not had access to my credit profile for months and I have called them and I have tried myeqifax and it will not give me any updated information. The only thing I get is an error code and I am told to call the XXXX number which I have 10 times and they will not fix it. Please stop closing my complaints without addressing and resolving the issue. I have no access to my credit report and I have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
My car was totaled. The insurance company that will be paying towards the totaled car is waiting for a letter of guarantee. I called Chrystler Capital XXXX and was told the letter would be sent " by the end of the week '' XXXX. It was not sent. I called customer service the next week and was told the letter of guarantee would be sent in 7 to 10 business days. I called the next week and they said " a percentage was wrong and needed to be fixed. I talked to the insurance company and they said the percentage had already been fixed weeks before. I called the next week and asked to be transferred to a manager, and twice was put on hold for long periods of time. I called today and was told by the insurance department that they didn't have a value for the car and it had to be submitted to another department, and would take another 24 to 72 hours before they got that value. I have been given nothing but excuses by everyone I have talked to. They never have transferred me to someone that can take care of the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XXXX PLEAE DO NOT ALLOW XXXX XXXX TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


XXXX XXXX issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX  and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with XXXX XXXX  and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

XXXX did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXXXXXX 

This is, and never was my account. I can lose my security clearance and my job due to XXXX XXXX XXXX multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion XXXX XXXX for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Sir/Madam, This is a follow-up to my complaint against Citibank ( Case # XXXX ). I received a response ( dated XX/XX/2023 ) from Citibank claiming the wire which was initiated through XXXX XXXX on XX/XX/2023 was was sent to XXXX XXXX XXXXXXXX on XX/XX/2023. The letter ( Citi Reference Number : XXXX ) advised that if the money ( XXXX ) has not been credited to the beneficiary ( XXXX XXXX ), to reach out to XXXX using the reference number XXXX. Today ( XX/XX/2023 ) I called XXXX XXXX who confirmed they had not received the money. I also followed up with XXXX who claimed they had not received the money on XX/XX/2023 ( as claimed by Citibank ) or any day thereafter. XXXXXXXX XXXX  XXXX advised that I ask Citibank to provide a proof of payment ( beyond the reference number ). I followed up with Citibank ( Citi Executive Response Team ) on XX/XX/2023 and spoke to a representative who had investigated this case. The representative was courteous and professional, but he said he could not do much more other than advising that I continue following up with XXXX XXXX XXXXXXXX ( the same bank that states they have not received the wire ). Citibank also indicated they are unable to provide any additional proof of payment beyond the reference number. This is certainly unacceptable. I am of the view that Citibank has the ability to reach out to XXXX XXXX XXXXXXXX, with whom they have a professional relationship, to settle this issue and have my money returned to me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX  XXXX XXXX XXXX, GA XXXX The CORRECT Address is XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Lender repossessed the vehicle but failed to issue a discretionary notice or any notice regarding the repossession. I am not required to pay if such a notice is not issued. I am also only required to pay if there is a deficiency and there is no paperwork outlining what the deficiency is or is not. I am also entitled to any monies if there is a surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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