vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: IA

Complaint narrative:
I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people. 


These are clear violations of my federally protected consumer rights.

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 2022-07-07 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: IA

Complaint narrative:
I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: NY

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank credit card is double charging me for an order that I had already paid. When I was charged again a XXXX charge on my card I brought it to the attention of the credit card company as an unauthorized charge as I never place a duplicate order with the vendor. The credit card company is saying to bad I must pay again or they will ruin my credit.. I repeat I never made a second order with that vendor nor did I receive a second order. The first order arrived in two seperate days

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 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. EQUIFAX Account XXXX : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
The problem I'm having is basically with PayPal. I was doing good with PayPal, but one day, they temporarily and later permanently restricted my account for no reason. I called support, but they couldn't give me a clear explanation at all. I was given the hope that I would be able to withdraw the available balance ( {$260.00} ) after 180 days. When 180 days finally passed, they put another restriction on my account for further investigation. I was still okay with their decision and hoped to get my money back one day. I thought all of this was their part of security.

Unfortunately, when I logged into my account after a month or so, surprisingly, there was no money in my account balance!! On the activity page, I noticed PayPal sent all my money to themselves on XXXX XX/XX/2022, labeling the transaction as " correction. '' I called the support, and the rep took it seriously too. He apologized and reported the transaction and assured me that I would get an update via email soon. 

PayPal claims that they took my money as their loss recovery. But man, what have I done wrong? There was no problem with my account! 

But until now, I didn't get my money back, or no one contacted me. There is no sort of explanation for this transaction at all! Now, I want my money back at any cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
During early 2020, we were attempting to refinance student loans with XXXX XXXX Citizens that were already in their possession to consolidate into a single payment that made sense for my fianc. During that time XXXX and Citizens got stuck in the process and stopped talking with one another. Without notifying us the accounts go into bad standing, even though Citizens employees told us payments were not required during the time we were refinancing which then kicked the debt to collections. 

For the last year and a half we have been trying to work with the Citizens XXXX department, making regular payments of {$250.00} a month, which was all we could afford, to keep the account in good standing. During that time, we were told different information from every employee. Some said we could pull it out of collections to refinance and treat it again like a normal student loan, some said that wasn't possible, some said that payments could be accepted at any point to just keep making payments to keep it in good standing, and then the last person we talked to stated that payments needed to be regularly made the same date every month else it would be sent to another collection agency. That was when this account is now being sent to two more collection agencies without any written notice that this was occurring, what the current balances were on the accounts, or any further documentation from the Citizens XXXX Department in the first place. 

At no point during this time were we ever given the same answer. Employees at the local branch said one thing, tellers on the phone for the recovery department said another, and no one stopped to actually try and assist, only stating that is was out of their control and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received a letter from Credit Collection Services dated XX/XX/2022 about an alleged debt, but they added it to my credit reports without giving me the opportunity to request validation of this alleged debt. I sent a letter dated XX/XX/2022, but they ignored it but continue to report this alleged account on my reports. 
I demand that they close this alleged account and delete it off my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I leveraged PayPal 's program to have my rental tenants pay for their monthly rent using paypal. I have 5 tenants that live in my rental building that have paid their XXXX rent to my PayPal property management business account, and they all paid with bank transactions. Paypal refuses to release my funds now for 180 days. I have been working with them for over a week, and each time, they have a different excuse for not releasing my funds. First it was that they need to put a hold on my funds as a new merchant to verify that no-one will request a refund, then it was that i needed 10 transactions before releasing money - ( originally they would hold for 21 days, now it is 180 ). After several calls and 3 way call verification with my tenants, someone took the hold off the funds. However, i can not move the money to my bank account. I owe my mortage on this building and can not get a straight answer from anyone. I have kept very good logs of all conversations, emails, letters, etc. As of yesterday, i worked with a person ( named XXXX ) that helped me said that she would notify the internal group to remove the limitations. Except - today i came into a notice that said : " After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal. '' The " see details link '' says : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services.

Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX However- they are not telling me how i am in any violation ... .. or what i need to do. Do they have the right to just hold my funds for 180 days without demonstrating risk or any cause? Where is the regulatory oversight on this type of money transition? While Paypal is not a bank, they do process payment transactions, so where is the payment processing governance? Do I need to obtain an attorney to get my funds? The disclosures and Agreement do not clearly indicate this type of impact to small businesses .... shame on them. 

I am glad to provide my log of conversations, screen pictures, and emails for your review. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
My identity was stolen and someone used it to get an apartment they got evicted and I found out about the collections on my credit years later. 

I took several steps to get the account removed and disputed, IQ data international made the process so much harder. The callers were rude and unprofessional and werent the least bit helpful. 

They use unethical tactics to contact you and attempt collections. I could understand if I owed the amount. But my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: NY

Complaint narrative:
This complaint to XXXX was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i made a dispute requesting to have all old addresses removed from my report and addresses that i have never lived in and they will not remove them. according to law they should only report accurate information on my credit report. if not, that is considered misleading false reporting and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked on my credit report and discovered some fraudulently inquires 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 non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX/Barclays sent me the attached email offering me a 3.99 % rate until next year. 
I signed up, then called to check. They told me that it only applies to purchases beginning in XXXX. The word XXXX appears nowhere in the invitation email that I received, that is attached. 
This will hurt people who will assume, as I did that any purchases made between now and XXXX will be get the low rate -- and they will not. 
Very deceptive. Angers me. How can they get away with leaving that out.

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 2022-07-07 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: TX

Complaint narrative:
Experian : I received your updated credit report enclosed is factual dispute on your credit report that you are reporting { 1 XXXX XXXX XXXX XXXX late payment that is false the vehicle was traded in and I purchased another vehicle through XXXX Please remove the late payments I know thing were slow due to covid } { 2 } XXXX  incomplete account number re aged date, can not post a past due on account } { 3 } XXXX XXXX XXXX  incomplete account number, re aged account reporting past due } { 4 } these inquires enclosed I did not authorizes these inquires } these are factual statements you are reporting on my credit report and they are violations of the FCRA I request that the CFPB handle this dispute

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 2022-07-07 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: IL

Complaint narrative:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a progressive leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted Transunion and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a XXXX  leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and Equifax with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: IL

Complaint narrative:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX  account they also open a XXXX leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

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