vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
ADS COMMENITY has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: CA

Complaint narrative:
This account does not belong to me. This is a fraudulent account. As you can see, on the credit reports my name is incorrect and addresses shows in other states, Alabama and Utah. No product was given. No signature was given. I XXXX reported the account 5 years later. No contact was made. I recently wrote a letter directly to XXXX with no response and they added a balance update as of XX/XX/2023 and still no documentation was proven. The account must be deleted from all ( 3 ) credit reports

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I ( XXXX XXXX XXXX have repeatedly attempted to communicate with and receive assistance from Equifax to no avail. I have made attempts through their multiple designated phone numbers and directly through their website to no avail. 

Currently, I need to place a fraud alert on my credit file but Equifax refuses to assist me. 

As previously documented, there is now an ongoing history of Equifax refusing to comply with their legally mandated requirements to assist me. 

Unfortunately, my data has been involved in more than one company data breach. I was just notified of the most recent data breach. Equifax is consistently the most difficult and now impossible credit bureau to interact with and attempt to receive assistance from. Their phone numbers essentially hang up on me. Their website does not allow me to receive the necessary assistance to implement a fraud alert. 

Equifax NEEDS to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT between me and NCA. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate. I also filed complaint with Federal Trade Commission Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Data, Inc.
State: WI

Complaint narrative:
I noticed that this account its in my credit report, I try to dispute with XXXX, when I deputed it came back as verified. They didnt provide any of the following. 

1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3Also provide with the master bill of sale

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Date Of Debt XX/XX/2021 Pro collect Amount XXXX I Dont Know Of This Company This Company Is Attempting To Collect A Debt Thats Not Mines.

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 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.

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 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
i am victim of identity theft. the information listed below, which appears on my Credit report does not related to any transaction that I ve made

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.

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 2023-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Student loans in forbearance but withdrawn from the college

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX account # XXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.

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 2023-08-27 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:
XXXXXXXX XXXX XXXX XXXX  account # XXXX Date Opened XX/XX/2022 The company has not taken any actions what so ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OK

Complaint narrative:
XXXX medical center is trying to charge me {$8000.00} for a medical bill and at that time it was under my dad 's private federal insurance with his job so I wouldn't be responsible

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My debit card was used for an unauthorized transaction of XXXX, upon disputing transaction I was denied for the most weird reason saying that no one used card after I called to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, the chase bank holds my fund of {$45000.00} which my friend sent me XX/XX/2021. I contacted chase many times, the bank manager never provided me the proper reason they hold my fund. The bank said my friend, XXXX XXXX XXXX asked recall for the fund. I dont believe he did it. Since I can not reach my friend, so I can not verify it. The bank never provided me the proof and also refused to send the check to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
From : XXXX XXXX Re : PayPal Account Hold Unjustified and Ambiguous Actions Dear CFPB Representatives, I hope this message finds you well. My name is XXXX XXXX, and I'm writing to raise a serious concern regarding PayPal and its actions, which I believe are in violation of my rights as a consumer and potentially in contravention of specific U.SXXXX financial regulations. 

On XXXX, PayPal sent me a communication indicating that they have ceased processing payments for my account. Their rationale, as stated, is notably ambiguous : they cite " activity on this account that we can not support '' without offering any specific details or clear reasons. As a long-standing user of PayPal, XXXX have always adhered to their terms and conditions and, to the best of my knowledge, have never engaged in any prohibited activities. 

I find their decision not only puzzling but also deeply concerning. By freezing my account, PayPal has effectively trapped a significant sum of {$4000.00}, which they claim might be held for up to 120 days. While they note the potential for chargebacks or other financial liabilities, there have been no recent transactions or activities on my end that would warrant such a drastic measure. 

This situation raises several issues : Lack of Transparency and Specificity : PayPal 's vague communication and broad reasoning deprive me of a proper understanding of what has transpired. Such opacity in business practices raises questions about fairness and transparency. 

Potential Breach of the Electronic Funds Transfer Act ( EFTA ) : By holding my funds without a clear reason, I believe PayPal might be violating provisions of the EFTA, which ensures consumers are provided clear information regarding electronic fund transfers. 

Undue Financial Strain : The locked funds have caused significant financial inconvenience. The fact that they can hold the funds for up to 120 days without a definitive reason feels like a breach of good faith and fair dealing. 

Ambiguity in PayPal 's 'Supported Activity ' Section : Having reviewed the 'Supported Activity ' section in PayPal 's Help Center, I still find no clarity on what might have triggered this action on my account. It's essential for service providers like PayPal to provide clear and accessible information on what constitutes prohibited activity. 

I humbly request the CFPB to investigate this matter and ensure that such practices are held up to the highest standards of scrutiny. Consumers deserve clear communication, especially when dealing with financial matters that can significantly impact their lives. 

Thank you for your attention to this matter. I appreciate your dedication to protecting consumers and hope to find a resolution soon. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I started my loan with Exeter finance back in XXXX of XXXX  since Ive purchased my loan I have the worst experience customer service XXXX  I get they are a bank and want there money but XXXX  I get so many late fees of XXXX dollars it makes no sense my XXXX statement of account the math is just not mathing I have added and yet I still get charged late fees I am tired of it XXXX alone I paid {$1800.00} for the month of XXXX mind you my car payment per contract is {$820.00} I get my statement for XXXX and I owe {$840.00} how and why am I charged a late fee of {$15.00} when I should be ahead and only owe {$700.00} even I have called and spoke to a manager and I was informed I would get XXXX dollar credit but I dont see it Im tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : Monejane I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX. we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation