vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
Dear Support Team, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was done in error. I would like to appeal this decision and request that you re-investigate my case. 

Firstly, I want to stress that I have not violated any PayPal policies or engaged in any illegal activities. I have always complied with all the rules and regulations set forth by PayPal and have been an honest and trustworthy user of the platform. Therefore, I strongly believe that this limitation was a mistake, and I am requesting a thorough review of my account. 

I am also requesting that you provide me with more information about why my account was limited in the first place. As far as I am aware, there have been no incidents or issues related to my account that would warrant such a drastic measure. I urge you to provide me with a detailed explanation of the reason for this limitation, as it is imperative that I understand the basis for the decision. 

Finally, I would like to request that you restore my account if possible. I am confident that upon re-investigating my account, you will find that there has been a misunderstanding or error, and I hope that you will take this into consideration when making your decision. 

My PayPal account email address is XXXX, and I am available to answer any questions or provide any further information you may require to expedite this process. I would appreciate your prompt response to this matter, as it has caused me significant inconvenience and stress. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reportiSee the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.ng me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC is calling me about a debt that I had no knowledge of for the amount of {$4200.00} I never opened this card and its put a ding on my credit report. This is not my doing I have no knowledge of what this is Im receiving calls asking me to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had scammer hack into my checking account from chase bank ending in XXXX and reverse some charges I never got and alert from chase I disputed the charges but chase said XXXX XXXX  was a third party and there is nothing they could do about it and sent the money to XXXX XXXX  to an account that didnt belong to me the scammer created an account in my name and took the money tried to explain to XXXX XXXX what happen and they said because I did so many XXXX XXXX they felt like these where authorize charges the never investigated they just assume because I used XXXX XXXX alot the charges was authorize this has cause my rent checks to bounce and my account into the negative with chase if you could help me I would greatly appreciate it thank you the amount was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/700 I received emails from Bank of America stating that an account was attempting to be opened in my email address. I contact BoA and they stated that it was not successful but still advised that I should put fraud alerts everywhere so that I'm covered. I have added alerts to my credit reports and banks.

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 2023-04-25 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: SC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I bank with Chime. About 2 months ago I got a new phone. When I downloaded the app & went to log into my account I was rejected. I put in the wrong password & they locked my account. I understand they do that to protect me from fraudulent activity. The problem is that when I keep calling & verifying it's me I get no help. Now they're saying I need to send a picture of the front & back of my ID. I don't have my ID because I misplaced while moving to CT. I can't get a new one because I can't access my money to purchase a new one. They keep giving me the run around & saying no. I really need my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: GA

Complaint narrative:
I have been a victim of identity theft. someone has access to my credit profile and has applied and receive multiple fraudulent accounts in my name. please remove all accounts. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I was backed up on 2 payments and kept in contact with the company and made a promise to pay. I had told them I would pay on the XXXX but payed on the XXXX of XXXX. I did not have enough funds to pay {$650.00} and paid {$520.00} towards my passed due balance. The payment processed on the XXXX of XXXX and did not think anything of it. I had also told them I was making another payment on the XXXX of XXXX but on the XXXX at XXXX my car was repossessed. I called the same day to see why they repossessed it and said I had to wait 24 hours to get info and what I had to pay. So I called back today XX/XX/23 and asked why it was repossessed after I had made a payment and was told because I was behind on payments. Even though I had already worked it out was going to make the payments and they received my first payment on the XXXX of XXXX they still sent out for my car to be repossessed on the XXXX of XXXX. Im not sure why they did not want to help me or repossessed my car if I was always in contact with them and let them know I would pay and actually made a payment and didnt let me make another payment without speaking to me. I dont believe this company should have repossessed my car if I had made a payment and was always in contact and was going to keep paying.

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 2023-04-25 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) FACTUAL DATA ( Finance ) XXXX  ( Miscellaneous ) FACTUAL DATA ( Finance ) FACTUAL DATA ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CORELOGIC INC
State: NY

Complaint narrative:
I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )

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 2023-04-25 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: NC

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-25 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
on XX/XX/XXXX I purchased a flight with Frontier in the amount of XXXX. 
On XX/XX/XXXX I went back on Frontier too book a ticket for my cousin when i realized the price was significantly cheaper. I went through the prompts of cancelling my ticket and I believed to understand is that I was going to be refunded {$700.00}, however once speaking to a rep they informed me that I was going to be charged XXXX $ as a cancellation instead. I ended up having to rebuy the same flight tickets so i essentially was charged 2x for the same tickets. The representative refused to do anything to help me or let me speak to a supervisor although i reached out immediately after this was done. I saved for two years for this vacation and I can not afford to pay double the price for these tickets over a mistake that was made. I'am looking to be refunded for the XXXX from the 1st charge on my credit card for tickets that I do not have.

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 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
Recently, I received notice from the CRAs stating that this company has placed an alleged debt on my credit report, which I NEVER received notice about the debt or allowing me to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX- $ XXXX closed andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX XXXX accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX XXXX XXXX XXXX  accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX- $ XXXXCollection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX- $ XXXX XXXX  andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX XXXX accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX XXXX XXXX XXXX  accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX- $ XXXXCollection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear TransUnion, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts still contain missing information. 

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( XXXX in XXXX of XXXX XXXX ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

XXXX ) Account XXXX : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I never gave no consent written or orally to use my information as a federal protected consumer I have the right that this information be removed it dont belong to me. This is alleged obligation

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion and XXXX Credit Bureaus have reported a charge off from XXXX XXXX  with inaccurate dates of last reporting and last date active : TRANSUNION XXXX last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.

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 2023-04-25 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by a man XXXX ( the XXXX ), XXXX was transferred from my account via cashier checks in the total amount of XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1

5 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 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 2023-04-25 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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