vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: The Bureaus, Inc.
State: LA

Complaint narrative:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : The Bureaus INC, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE BUREAUS INC Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
XXXX XXXX XXXX has reported an account as delinquent for the period in which the account was enrolled in and authorized XXXX forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXX of 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 2022-11-19 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: Global Lending Services LLC
State: NJ

Complaint narrative:
I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/XXXX I purchased an item on XXXX for XXXX. 5 days later on XX/XX/XXXX I recieved an empty box from the seller. I tried to contact the seller via phone numerous times but no one anwsered. Realizing I had been scammed I disputed the charge. Venmo credit originally credited my card for the fradulent charge. Today I log into my account and as of XX/XX/XXXX I again have a rebill for the XXXX. Venmo did not communicate with me at all about why they charged me again, or why they feel I need to be held responsable for fraud. Venmo is obviously not investigating this scam in good faith, communicating with me on action with my account and as a result not protecting me as a customer from fraud.

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 2022-11-19 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 did not give y Equifax permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

Please furnish a copy of the original promissory note redacting my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2022-11-19 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: NC

Complaint narrative:
I keep complaining to equifax they wont remove hard inquires that that was listed on the identical theft thee are hard inquiries from. XXXX that are not consensual and. I need to get paid {$1000.00} for removing them after 4 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: AR

Complaint narrative:
I opened up a PayPal account years ago never had a problem until About 2 years ago It's a fully verified account I meand I have been fully verified through PayPalLike I said really don't know why they won't release my money. At 1st I was told to wait for the email after the 180 days And usually and I would be able to withdraw all my funds then I waited and I waited and I waited no email ever came in the beginning the representatives did all they could they tried to withdraw they tried to move it wouldn't happen So then I started complaining to their dispute person And I ended up receiving letter stating that PayPal was never going to release my money. Their company is nothing but a scam Come to find out that is how PayPal makes its money is by putting ahold on people 's accounts and then Gambling with that money we're investing it. So anyway they can't just keep my money And this should be posted people need to be aware of what a scam PayPal is Because from what I've heard they have changed their fine print in it basically States in their contracts if they can keep their money people need to be aware of this PayPal does not make money Anyway but putting ahold on your accoand then gambling with your money. They have {$2100.00} of mine I want it all back. On XX/XX/XXXX and XX/XX/XXXX of XXXX Have received payments from 2 of my clients for work that I had done I transferred XXXX out to my debit card let 's see othere are XXXX in there And it wasn't shortly after that that they limited my account and then permanently locked it and I was told after a 180 days I could get it out that never happened then I was sent a letter stating that they were never going to give me my money back The account is under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( 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 2022-11-19 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: LA

Complaint narrative:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: LA

Complaint narrative:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXXXXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number XXXX XXXX XXXX XXXXXXXX

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 2022-11-19 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I sent the credit bureaus letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking them to verify the debt on my reports. They have responded that the disputed accounts have been either updated or verified as correct. However, this is still incorrect, and inaccuracies remain on my 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my account with Capital One had gotten closed due to 3 chargebacks / returns made from my bank due to the fact that I had mistakenly put in the wrong account and / or routing number. Due to this issue, I contacted customer support for only to have them simply tell me that theirs nothing they can do, dispose of my card and file for a new card but Im unable to qualify for a new card with Capital One or any other credit card provider. Im in the process of getting a house and Im worried that this might delay my chances/ opportunity to get it due to a minor mistake that I could have simply fixed if I was more aware of the situation with my account/ routing number being an issue. I hope to dispute this and be able to get pre approved / qualified for a credit card since I was able to pay off my credit before the due date and Im currently self employed so I am responsible enough to handle and build up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.S-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.

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 2022-11-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.S-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.

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 2022-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under XXXX XXXX XXXX. 

ACCOUNT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

XXXX5 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.

15 USC 1681 B- ( C ) ( 3 ) Information Regarding Inquiries-a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is initiated by a consumer.

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 2022-11-19 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have contacted Trust on more then one occasion advising them that fraudulent charges were on my account. I was robbed of all my worldly possible and my Trust card is one of the things stolen from me. I have had to file a police report with the XXXX, Virginia police department. I am asking that Trust please update my account and remove all fraudalent charges from my account. I am also asking that they communicate with me to please resolve my Truist account.

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 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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