vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for Receiving my payment of my online freelancing jobs since XX/XX/2020. My PayPal account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purpose. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX bless. 

For Identify verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, NATIONAL CREDIT SYSTEMS INC ( original XXXX XXXX  XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
i have tried to get this company to send me the info about this debt. and the only information i get is that they closed the debt. they state there is no money, etc. remaining but then i get a letter from the IRS stating this company Carrington Mortgage wrote off over XXXX and the IRS want nearly {$4000.00} because since they wrote it off, it is now income and i owe. i asked for any info on this debt and a copy of the 1099-c. all i received was a 1099-a. when i try to contact them again they say there is no debt and will not tell me who the debt was transferred to, etc. the company is carrington mortgage po box XXXX, XXXX, in XXXX phone # XXXX, fax # XXXX, loan number : XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX nc XXXX phone # XXXX. email : XXXX i would like to know how much is owed and to whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX & XXXX XXXX XXXX and selling e-books since 2021. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank th

e Lord these people have not gotten Money, that I know of right now. I have been in
touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take?

Thank You for your help, in advance!

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/22 Experian alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Card, Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to Experian to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. Experian says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now.

I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!

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 2022-05-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
The credit bureaus are failing to remove inquiries that are not mine I have already disputed with them even sent in ftc report and they refused to remove them which is negatively effecting my credit report the inquiries are attached below as well as h The ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: CA

Complaint narrative:
After receiving my credit report, I am not happy when I noticed these inaccurate items still in there, I can say that I am being ignored.

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 2022-05-14 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: Coinbase, Inc.

Complaint narrative:
since XXXX I have an account in coibase and coinbase wallet I changed my phone number in XXXX and when I want to change to the new one it asks me to identify myself with a passport but I have expired and I can't enter. and the coinbase wallet asks me for 12 phrases that I don't have and I can't entern please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

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 2022-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY

Complaint narrative:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am selling e-books and exchanging money ) since ( XX/XX/2021 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

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 2022-05-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 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 a account without my written instructions

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 2022-05-14 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have previously filed a complain, which has a record number : XXXX. However, Lakeview XXXX did not carefully investigate and correct errors on my credit report. As the result, there was no change in my credit report. 

Lakeview XXXX has found out errors and corrected the credit report the Bureau. The correction was made for the month of XX/XX/2021 and XX/XX/2021. Lakeview needs to re-investigate this matter and stated that they did not review my credit report diligently. 

I am requesting Lakeview to remove all negative marks on my credit report due to its bad practice. 

Thanks,

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XXXX of 2021 I sent DISCOVER an Affidavit regarding a billing error notice pursuant to 12 CFR 1026.13 and the affidavit was unrebutted. An unrebutted affidavit stands as truth in commerce. Following this DISCOVER took adverse action against me by lowering my credit limit and closing my account with no explanation. According to 15 U.S. Code 1681m - Requirements on users of consumer reports ; they are suppose to provide full disclosure of this action. Prior to closing my account DISCOVER refused to credit my account when full payment was sent by accepting the coupon for value that was attached to the statement, they failed to honor the remittance coupon and failed to dishonor the coupon. Since closing my account DISCOVER has continued to charge interest fees and has also continued to withdraw payments from my bank account. This is a very serious matter and if not resolved will result in further escalation to the FTC and State Attorney General. I was never given full disclosure regarding this extension of my consumer credit and was lead to believe that I owed payment and once I asserted my rights as a consumer DISCOVER retaliated against me by closing my account. Furthermore HJR-192 prohibits payment of debt and substitutes, in it's place, a discharge of an obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: NY

Complaint narrative:
The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NY

Complaint narrative:
The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the Federal law.

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 2022-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
In XXXX my credit monitoring service alerted me to a new account created for Acima. This company allows customers to buy now pay later. I didnt open this account and it was clearly a result of identity theft. I tried to resolve with the company but they said they needed me to file a complaint with FTC fraud prevention. I was then routed here. The account is now delinquent and has made my credit poor. Acima doesnt have a phone number for their fraud department and make it difficult to resolve these sorts of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
On XX/XX/2022 I received a phone call from a lady saying she was from there fraud department and that I had a block on my net spend card I was asked several questions and then she said she removed the block that was at XXXX XXXX  Nevada time then at XXXX XXXX  I went to make a purchase and I got notification that XXXX XXXX dollars was transferred out of my account by me to me I never did that transfer or authorize it I immediately called the net spend card reporting fraud they sent me knew card and I sent in police report fcc report any reports I could send to prove fraud was committed I waited 14 days only for them to say it was my fault and then they closed my knew netspend account and said Im to much of a risk to bank with them I feel this is unfair how I was treated by this company this company automatically assume that there customer is to blameXXXX this was my reference number they gave me please help me

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 2022-05-14 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: CT

Complaint narrative:
I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
CapitalOne sent me a firm offer of a credit card despite myself being on the FCRA permanent opt out. This has happened several times before and has been reported previously. Clearly they are not be properly checking against the opt out registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, I XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation