vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year>, I made a payment of {$700.00} via PayPal to purchase products from a seller named XXXX XXXX. Despite numerous attempts to contact him through XXXX XXXX, the seller failed to deliver the product as promised. He even assured me of a refund, only to subsequently cease all communication. 

Approximately one month after the payment was made, I initiated a dispute with PayPal. I meticulously submitted all relevant documents, including the invoice provided by the seller, a police report, FBI report, and FTC report ( as the seller has all my legal information ) confirming the fraudulent nature of the transaction. Additionally, I provided screenshots of the conversations between myself and the seller as evidence. 

Shockingly, PayPal failed to adequately review the evidence I provided, and the seller did not furnish any evidence to support their case. Consequently, PayPal closed the dispute citing that their terms and policies do not cover " investment products. '' Despite filing a complaint with the XXXX XXXX XXXX  ( XXXX  ), PayPal has not responded to address the matter. 

I am deeply disappointed with PayPal 's failure to protect my funds and address fraudulent activities on their platform. Their terms and policies seemingly provide a haven for scammers, leaving innocent consumers vulnerable to financial losses. As a widely recognized money transfer platform, such negligence is unacceptable. 

Therefore, I am urging the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and facilitate the refund of my money. It is imperative that PayPal rectifies this situation promptly to restore trust and safeguard the interests of its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-29 00:00:00
Product: Credit reporting 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:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
Their fraudulent information on my credit report is as follows : 1. File # XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Opened XX/XX/XXXX 5. Balance of {$400.00} 6. Last reported on my credit report was XX/XX/XXXX ( first time with 2 agencies ) 7. No information on the 'type ' of account 8. Showing an 'open ' status after being in collection status from the beginning I requested an fraud investigation with the company and all 3 credit reporting agencies. They do not have a correct address for my home. They show no payments for XXXX yrs XXXX mos, but only collections status for each month. They make a false claim that it's from a water delivery company of which I have no knowledge. There are no signed documents for their services, nor any consent from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I made an online purchase for roughly {$53.00} USD to a local restaurant using an AMEX virtual gift card. The website made an error while checking out and said the payment didn't go through, and to select another form of payment, so I used my personal debit card instead. The next day I went to use the gift card again and noticed there was a pending payment from the restaurant for the {$53.00}. 

I called customer service and they could not in any way understand what happened was not fraud. It was only an error. They gave me a case number and said the process will take nearly 2 months to resolve. 

I checked the gift card recently and noticed the pending payment has been removed. It might have been resolved when the restaurant ran the month-end duties. I called the gift card company back to tell them everything appeared to be resolved and the remaining balance was correct, but they are telling me it will still take another 45 days for the issue to resolve. 

They are not understanding it is not a case of fraud. All that's left on the card is {$69.00} and I would just like to use it and be done with it. The customer service is absolutely awful and of completely no help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: WI

Complaint narrative:
TRANSUNION HAS REPEATEDLY FAILED TO COMPLY WITH 15 USC 1681e, ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. THEY HAVE CONTINUED TO ADD INACCURATE AND INCORRECT ACCOUNT INFORMATION DESPITE INFORMATION AND DOCUMENTATION PROVIDED. THE FOLLOWING INACCURATE AND INCORRECT ACCOUNTS CONTINUE TO APPEAR ON MY CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$790.00}, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$1400.00} ; XXXX XXXX, XXXX, ACCOUNT # XXXX, BALANCE- {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$940.00} ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$190.00} ; AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$170.00}. I WOULD LIKE TO NOTE THAT THE FACT THAT THIS INACCURATE AND INCORRECT ACCOUNT INFORMATION WAS PERMANENTLY DELETED FROM MY XXXX CONSUMER REPORT AND FILE SHOWS THE WILLFUL NON-COMPLIANCE OF TRANSUNION IN VIOLATION OF 15 USC 1681s-2 ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. PLEASE SEE ATTACHMENT, CFPB XXXX COMPLAINT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. REFLECTING THE DELETION OF SAID ACCOUNTS AND XXXX XXXX FILE : XX/XX/XXXX, Confirmation # XXXX ATTACHED HERETO IN SUPPORT OF COMPLAINT.

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 2024-02-29 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-29 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-29 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: NC

Complaint narrative:
This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: NC

Complaint narrative:
This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company violated 15USC 1681 and reported erroneous and incomplete information and refused to send the 1099C as requested.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Venmo credit card was hacked into. Someone was able to change my address and request a new card. They then racked up 3 charges totaling {$12000.00}. As soon as I realized this I contacted the credit card company and went through the process of changing my address to the correct one. 5 days later the address was changed again to a completely different address. Synchrony bank has been unable to tell me how someone is able to change my address. Even after {$12000.00} was charged i do not understand how someone was easily able to change my address once more. Today I found out that a 2nd credit card the XXXX credit card XXXXhrough Synchrony bank was also affected. The address was also changed. I have spent days dealing with this and they can not explain how this is happening.

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 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from Midland Credit Management in XX/XX/XXXX regarding a time-barred account that they claimed ownership of due to the purchase from XXXX XXXX XXXX  . The amount of the alleged debt was {$790.00} listed under account XXXX. I sent a letter to Midland requesting validation and never received a reply. On XX/XX/XXXX, I sent a certified letter to the credit reporting agencies asking for a re-investigation as the account was reporting on my credit report and I also sent another debt validation request via certified mail to Midland Credit Management. I received a letter back from the agencies that the account was deleted and a letter from Midland for an account addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX and I have never lived at the address on the account so I knew that that Midland had mixed accounts. I also looked at the account and noticed the account number was different from the information on my credit report as it was XXXX and the credit report listed it as XXXX. The balance was higher and I have never had a XXXX Account with a {$3500.00} limit. I informed Midland Credit Management that the account they are attempting to collect on is not mine and that their accounting records are off. In their response they continued to claim the information was accurate and that they are continuing collection efforts against me on a debt that does not legally belong to me. I informed Midland that this is debt tagging and they are committing fraud and violating the FDCPA, Privacy, and State laws. They have compromised the privacy of financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX  XXXX kept contacting me over and over about a credit card they said I signed up for online. I am Ive been informed them that was not my debt that My identity had been stolen. I then asked him to write the address that the supposed credit card was mailed to you and they werent allowed to do that because of confidentiality. Then I was told they wan na turn it over to a collection agency. I asked his agency to remove it, they said no. I told them I had provide them with a copy. I have a police report. Next thing I know its on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I never received the order I placed to attend sons wedding. I asked for them to remove the debt from they card. They continue to bill me and are going to ruin my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.

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 2024-02-29 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: CA

Complaint narrative:
Me and my dad have the same name and he used my information to open a card. He did identity theft on me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: KY

Complaint narrative:
Hello! I need for Lexisnexis to contact the three credit bureaus that they illegally gave adversed accounts to bearing my name and likeness. I need them to ask them to delete the adversed accounts from all three credit bureaus. 
Thanks so much! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MS

Complaint narrative:
I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.

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 2024-02-29 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: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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 2024-02-29 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
I received notification through the credit bureaus that there were hard inquires. I reviewed the info and someone else had applied for several credit cards in my name.

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