vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit 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 2023-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this CFPB Complaint to dispute the inquiries referenced below and demand verifiable proof bearing my signature/electronic signature. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete them. This constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the items. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2023-08-01 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: CT

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a loan through PayPal 's " Pay Monthly '' service for about {$420.00}. I was denied and the reason I was given for the denial was due to missing information about my credit score or history. 

The issue is I have applied for six different loans through this service and was approved without any issues. In fact some of the loans that I got approved for exceeded the amount I was applying for. 

When contacting PayPal 's customer support over this issue they basically say they can't fix it because their systems do a random background check. When asked if paying off any of the preexisting loans would help the process they simply give you a non answer. 

Additionally, PayPal 's application process says that this service can affect your credit score or history, but none of the credit bureaus that I have contacted have this information and they don't have any information regarding my on time payments for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened up a Wayfair credit card in XXXX. I made {$370.00} in purchases. In XXXX, I made purchases of {$420.00}, and XXXX XXXX. Total amount of all purchases equal {$2500.00}. Between the months of XXXX XXXX I made {$1200.00} in payments. The amount owed on purchases before I returned an item should total {$1300.00}. I received a statement in which my CC shows I owe {$1400.00}. They show the credit of the returned item of {$380.00} however the math does not add up to what I show the balance to be. The account balance should be {$950.00} as of XX/XX/2023. I spent XXXX hours on the phone with customer service asking how its possible if total purchases {$2500.00} in purchases minus {$1200.00} in payments equals {$1400.00}. I was advised it was due to being billed after the billing cycle had ended. Math is math. I returned the item and Wayfair is not giving me credit for the total payments made to them to date.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I made an over the counter check deposit on XX/XX/23. My receipt and the teller stated that funds would be available the next day. The FAQs on the website also state that any holds placed on a deposit would be stated on receipt. My receipt said no such date of any hold only a credit that would be available XX/XX/23. This check is from the XXXX, upon speaking with BOA reps I was told that XXXX is standard check cashing policy. My mobile app says XXXX. I am late on several payments, and services have been disconnected. I could not eat lunch, while working to build a highway out of town. I have been embarrassed by multiple decline messages. I was unable to cash my paycheck due to insufficient funds. My mobile app is showing my check deposit as a negative. I have had to take out loans to buy my children school clothes etc., which has caused a breakup between myself and significant other. Multiple fees and amounts have been taken from account in the past. I have the bank statements to show where I was scammed and reported it before any transaction and BOA let someone in my account and made me pay for it. Help me please, and Thank you in advance.

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 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The Portfolio Recovery fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NY

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, registered under the email address XXXX. I firmly believe that this limitation was a result of a mistake, and I would like to provide my case for your re-consideration. 

Firstly, I wish to emphasize that I have always strived to abide by PayPal 's policies and guidelines since the inception of my account. I have not knowingly engaged in any activities that would violate the terms of service. As a law-abiding user, I value the trust and security provided by PayPal for online transactions. 

I am extremely concerned about the limitation imposed on my account and its potential impact on my ability to conduct essential financial transactions. Having relied on PayPal for various online purchases and payments, I have come to appreciate the convenience and safety it offers. 

I kindly request PayPal to re-investigate my account activity comprehensively. I am confident that a thorough examination will reveal no breaches of PayPal policies on my part. I hope that upon re-evaluation, you will find my account to be in good standing, and the limitation can be promptly lifted. 

I understand that PayPal must diligently uphold the integrity of its platform by safeguarding against any potential risks. In that same spirit, I trust that PayPal will recognize my genuine commitment to maintaining a secure and compliant account. 

I sincerely hope you will reconsider the decision and restore full access to my PayPal account. Your prompt attention to this matter would be greatly appreciated. If you require any further information or clarification, I am more than willing to provide whatever assistance necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NV

Complaint narrative:
My identity was stolen and fraudulent accounts where open on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
They letting a store atm keep extra charging me fees

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 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Hi, I have received the results to my previous complaint. Not only has XXXX XXXX XXXX inaccurately reported my account to the credit bureaus as included in bankruptcy for the past XXXX  years, now they have changed it to collections. XXXX XXXX XXXX has responded saying that I have signed a contract for this debt. I have not received this signed contract. A lawful contract has all of the XXXX elements. 
XXXX. Full disclosure I was not told that I would be creating the credit with wet ink signature XXXX. Equal consideration ( XXXX XXXX XXXX brought nothing of value to the situation and therefore had nothing to lose ) XXXX. Lawful terms and conditions XXXX. Wet ink signature of both parties. 

at this time, I am requesting validation of original debt. Please send me a signed contract with all XXXX elements mentioned above. I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. 
I am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g I demand a full file disclosure in pursuant to 15 U.S. Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. 

I have reason to believe and do so believe, without all requested documents herein there can be no proof of claim by Consumer Portfolio Services and Consumer Portfolio Services would be liable for creating a false and deceptive form under 15 U.S. Code 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
There is misInformation on my credit report about this account. I've never obatian this account before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NV

Complaint narrative:
There is misInformation on my credit report about this account. I've never obatian this account before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX  owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The XXXX XXXX fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime opened an account under my name using my particulars but did not check my credit report or verify my identify. This meant anyone who had access to my data via a breach could open an account fraudulently. Chime, and its similar competitors, refuse to participate in the XXXX XXXX  or even run identities against credit reports. Had it done so, it would have noticed my credit reports were frozen to prevent new accounts from being opened in my name. 
The phone number and address used are not even associated with me. The only relevant detail was my email, which thankfully a confirmation was sent to me alerting me that an account was opened. 
Currently, there is no mechanism to prevent this fraud for being perpetrated again since all it takes is for a person to have access to one 's biodata. I asked Chime to place an alert on my name so that another account would not be opened in the same fashion but they could not provide me a guarantee since they do not have a fraud process in place. 
They also could not guarantee that no transactions were made and no other banks were associated to the fraud account in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance discharged the debt associated with my loan via the IRS XXXX process for the full amount. I have also sent in several payments to pay the full amount of the vehicle, and Exeter kept all payments and refused to add the payments to my account. Instead they sent a repossession company to my home at XXXX. They are attempting a repossession, on a debt they discharged and I paid XXXX. It is illegal to collect on paid and discharged debt, however they continue to try and collect from me and take my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted my credit card company about a dispute of a charge. I didnt receive the services. I clearly told them what happened. 

But the credit card company rep were in XXXX and could not properly speak XXXX. I explained my issue so many times to them. Even after he said he understood I dont think he did. 

I told him I did not receive the service I paid the company. The merchant lied to them and didnt even get back to me. The rep from chase said he would get back to me and he never did. They just closed out the dispute. I told him I was away on vacation. 

The rep said dont worry I will call you back. 

The merchant clearly didnt provide the services. 

This is why these disputes should be handled by XXXX and not someone overseas who cant properly speak XXXX.

Company response to consumer: Closed with monetary relief