vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2024, I opened Case XXXX with Paypal to report unauthorized transactions on my Paypal account. All transactions identified in Case XXXX occurred in the past 40 days. It is important to note that I have two Paypal accounts and they have both been compromised. Both of my Paypal accounts show a long history of unauthorized transactions which I have tried to identify and report to Paypal also on XX/XX/2024. Although I opened two other Cases to report the older unauthorized transactions to Paypal, I understand that they are not obligated to investigate unauthorized transactions that appear on statements issued 60 days or more from the date of the reporting.

Paypal claims that all transactions on my accounts have been authorized, the ones that have occurred in the past 40 days and the older transactions. They have not requested any information from me and refuse to budge from their claim.

I have told Paypal multiple times that I have not made the transactions ; that I have not allowed anyone to make them on my behalf ; that I did not give anybody my login information or access to my accounts, and that the transactions must have been done fraudulently.

Paypal has not asked me to provide any information. They closed XXXX XXXX on the same day that I reported the issue and just keep parroting that they have found no evidence of unauthorized use or access of my Paypal account and that the transactions from Case XXXX are consistent with the history of transactions on the same Paypal account. Anytime I bring up the issue of fraud, they completely gloss over it and just repeat the same lines about having found no evidence of unauthorized use or access of my Paypal account.

Paypal clearly does not want to seriously investigate the possibility of fraud. At the same time, they also restricted my accounts after I reported the unauthorized transactions. It has been more than 10 days since I reported the unauthorized transactions to Paypal, they have refused to investigate the fraud on my accounts and they seem to have also refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
NOT A DUPLICATE COMPLAINT. 

On XX/XX/XXXX Mr Cooper sent a letter to my attorney stating that, " Please note that during the investigation and resolution of your inquiry, written correspondence, such as billing statements and mandatory pre-foreclosure notices, may continue. '' This confirmed that my property was in pre-foreclosure status which would be appropriate under the circumstances and with ongoing investigations of deceptive business practices and other illegal activities that Mr cooper, XXXX XXXX XXXXXXXX and other entities connected to them engaged in. Yet, in spite of XXXX XXXX XXXXXXXX responding to another federal complaint stating that in XXXX they relinquished any and all interest in the loan, Mr Cooper may have transferred title to XXXX XXXX  XXXX and or other entities. Other communications from Mr Cooper and/or their attorneys stated that a foreclosure auction occurred on XX/XX/XXXX. They then provided other information that contradicted that. Due to other deceptive business practices and Mr Cooper contradicting itself in years of communications, a tactic they continue to use to conceal their fraud, my property sits with an expensive temporary power pole and storage unit that I have been responsible for since XXXX when the work on the property had to stop because they began altering and falsifying information regarding work done at the home after it was destroyed in a fire. These fraudulent business practices were used to withhold my insurance proceeds that has been sitting in an escrow account to repair the home for over 10 years. 

The renter/ caretaker of the property has been receiving harassing phone calls from people claiming they own the property but not providing names. Security cameras revealed various people banging on the gates and trying to enter the property. This is a result of Mr Cooper 's actions along with XXXX XXXX XXXX, their realtor and an online auction company that stated the bank requested they list the property ( in spite of ongoing unresolved matters and Mr Cooper sending us a letter acknowledging that it was in a pre-foreclosure status on XX/XX/XXXX ). 


As a result of years of delays due to Mr Cooper and XXXX XXXX XXXXXXXX XXXX deceptive business practices, the company owning the temporary power pole began a lawsuit against me for over {$20000.00} for payment for the temporary power pole and storage unit that I could not continue to pay on while my home sits uninhabitable from a fire that occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc
State: SC

Complaint narrative:
I requested on the behalf for a dispute with this company regarding unauthorized transactions was stolen from my account I XXXX XXXX is requesting My account refund and help me with this situation ASAP. Also put in dispute regarding unauthorized transactions and XXXX was actually taken care in XXXX day. I this matter was XXXX was unauthorized transactions and demanding all refunds and money from my account I didn't authorize any money to be paid out of my account. I need help with the company ingredients from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-12-14 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received an account breach email at the beginning of the year from evolve a bank i use through several credit advance apps, I ignored tge email thinking it was scam mail. So later in the year my score drastically drops i started getting credit card bills that I have never know my name and address current and older has unknown addresses on them. I received a second breach email from evolve but wasn't sure what to do with it until I found out through XXXX  XXXX that my social had been used 6 times in XXXX for health coverage so I asked them what to do and they referred me to you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have proof of total loss

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 2024-12-14 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: NC

Complaint narrative:
XXXX XXXX. Changed from a charge off, to 22 late payments and is in direct violation of the law. You can't go from charge off to open status without valid information. Even so I have not received statements 21 days prior to the reporting of 22 late days 15 U.S.Code 1681 ( 2Xi ) 15 U.S.Code $ 1666b 12 CFR 1026.13 Remove the account from my consumer 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 non-monetary relief
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX. Changed from a charge off, to 22 late payments and is in direct violation of the law. You can't go from charge off to open status without valid information. Even so I have not received statements 21 days prior to the reporting of 22 late days 15 U.S.Code 1681 ( 2Xi ) 15 U.S.Code $ 1666b 12 CFR 1026.13 Remove the account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
XXXX XXXX  Changed from a charge off, to 22 late payments and is in direct violation of the law. You can't go from charge off to open status without valid information. Even so I have not received statements 21 days prior to the reporting of 22 late days 15 U.S.Code 1681 ( 2Xi ) 15 U.S.Code $ 1666b 12 CFR 1026.13 Remove the account from my consumer 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 2024-12-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Information Dear Equifax Customer Service, I am writing to formally request a correction to the information reported on my credit report regarding my XXXX credit card account. I believe there is an inaccuracy concerning the status of this account. 

As previously stated in my last correspondence, my XXXX credit card account is reported on the XXXX of each month, and I would like to clarify that this account is paid off in full, with no remaining balance. However, the information reflected in my credit report does not accurately represent this status.

Enclosed are copies of documents that support my claim, including [ list any specific documents you are including, such as statements or payment confirmations ]. I kindly ask you to review these documents and update my credit report to reflect the correct information.

Please confirm the receipt of this letter and inform me of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to resolving it as soon as possible.

Thank you for your assistance.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Information Dear Equifax Customer Service, I am writing to formally request a correction to the information reported on my credit report regarding my XXXX credit card account. I believe there is an inaccuracy concerning the status of this account. 

As previously stated in my last correspondence, my XXXX credit card account is reported on the XXXX of each month, and I would like to clarify that this account is paid off in full, with no remaining balance. However, the information reflected in my credit report does not accurately represent this status. 

Enclosed are copies of documents that support my claim, including [ list any specific documents you are including, such as statements or payment confirmations ]. I kindly ask you to review these documents and update my credit report to reflect the correct information. 

Please confirm the receipt of this letter and inform me of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to resolving it as soon as possible. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation