vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I have a PayPal account and one day last week I got an email stating that my account had been frozen and I needed to supply information in order to unfreeze the account. I submitted my identification I submitted the proof of address and then they had me submit information on each and every transaction that I had on my account. Even transfers to my external debit card which I don't understand what explanation you need other than it's an external transfer to my debit card. Finally when I finished I submitted all the information and receive a response from PayPal the next day saying that I had been using PayPal for things that are outside of their user agreement and that my account was being permanently closed. And then they followed that by saying that my funds would be held for 180 days to cover any potential chargebacks. First of all I went over their user agreement and their acceptable use policy and great detail and I had done nothing that violated either of those policies. I don't operate a business I don't conduct business on PayPal and I certainly don't use that account for anything other than payments to and from friends and family. That is issue number one. The second issue is that they're holding my money for 180 days. There is {$400.00} in that account. They have no reason to hold that money because I never conducted business on PayPal and it was only friends and family payments and there is zero risk of chargeback. So to hold my money and use chargebacks as an excuse is wrong and unethical. That {$400.00} that sits in that account is money that I needed to go on my vacation which I've already paid for out of my own pocket for my friend and I. My friend had sent that {$400.00} payment in order to cover what I had already paid for him. Without that money I am not able to go on the vacation that I've paid for and I'm also not able to get a refund for that vacation so for PayPal to hold my money when they have no reason to again is wrong and unethical. I have submitted complaints to their customer service department I have submitted complaints to their executive escalation team I have submitted a complaint all the way to their president. I have not gotten a response. now this is ridiculous and this company literally just holds people 's money just so they can collect interest on something that's not theirs. I want this rectified I want my money out of that account. And given that there's zero risk of chargeback I want it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In XX/XX/year>, an old closed account from about two years ago suddenly reappeared in my Equifax credit report under collections, which caused my Equifax credit score to drop by XXXX points. This collection was not present on my XXXX or XXXX reports, which remained around XXXX. 

I contacted the debt collector and obtained a deletion letter confirming that the collection should be removed from my Equifax report. I submitted this letter to Equifax, and on XX/XX/year>, the collection was deleted from my Equifax credit report. 

However, despite the deletion of the collection, my Equifax credit score has not recovered and remains significantly lower at XXXX, compared to my other credit bureau scores. I have not seen any improvement in my score even after the deletion, and there have been no other changes or recent activity on my credit profile during this time. 

I have contacted Equifax multiple times to resolve this issue and requested an explanation as to why my score remains unchanged, but I have not received any satisfactory response or resolution. I believe that the investigation into my case did not fully address the impact of the error on my credit score, and I would like my case to be further investigated and my score to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NJ

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Dear XXXX or Equifax This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XX/XX/XXXX {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Dear XXXX/Experian or XXXX This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX, Experian : XXXX, XXXX : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : XXXX, Experian : XXXX, XXXX : XXXX XX/XX/XXXX {$110.00}

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 2024-09-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy XXXX years ago, and according to the proceedings, everything was supposed to be removed after the XXXXyear mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next XXXX weeks, I will be filing lawsuits against XXXX XXXX, Equifax, and the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy XXXX years ago, and according to the proceedings, everything was supposed to be removed after the XXXX-year mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next XXXX weeks, I will be filing lawsuits against XXXX XXXX, XXXX, and the Consumer Financial Protection Bureau ( CFPB ).

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identity theft, and a fraudulent credit card account has been opened in my name at XXXX XXXX, accumulating a debt of {$4000.00}. The application for the card used a phone number, mailing address, and email address that do not belong to me. Upon discovering this, I promptly reported the issue to XXXX XXXX, explaining that the card was opened fraudulently. Despite my efforts, XXXX XXXX refused to investigate the matter properly. 

Following the initial rejection of my claim, I filed a second report, which included supporting documentation such as police reports, an FTC report, an IC3 report, and my current address. Despite these efforts, I have yet to receive any response from XXXX XXXX. Every time I attempt to follow up by phone, I am passed between multiple departments without any resolution. 

In addition to this, I have requested XXXX XXXX to provide documentation regarding the fraudulent application, but they have failed to do so. The unresolved fraudulent account has severely impacted my personal credit, resulting in a drop of more than XXXX points. 

The resolution I am seeking includes the following : - A formal conclusion to the investigation, confirming the fraudulent nature of the account. 
- Removal of the {$4000.00} debt from my account. 
- Removal of any negative reporting related to this fraudulent card from my credit report at all three major credit bureaus. 

I urge XXXX XXXX to address this matter as a priority to restore my financial standing and creditworthiness.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a victim of identity theft, and a fraudulent credit card account has been opened in my name at XXXX XXXX, accumulating a debt of {$4000.00}. The application for the card used a phone number, mailing address, and email address that do not belong to me. Upon discovering this, I promptly reported the issue to XXXX XXXX, explaining that the card was opened fraudulently. Despite my efforts, XXXX XXXX refused to investigate the matter properly. 

Following the initial rejection of my claim, I filed a second report, which included supporting documentation such as police reports, an FTC report, an IC3 report, and my current address. Despite these efforts, I have yet to receive any response from XXXX XXXX. Every time I attempt to follow up by phone, I am passed between multiple departments without any resolution. 

In addition to this, I have requested XXXX XXXX to provide documentation regarding the fraudulent application, but they have failed to do so. The unresolved fraudulent account has severely impacted my personal credit, resulting in a drop of more than XXXX points. 

The resolution I am seeking includes the following : - A formal conclusion to the investigation, confirming the fraudulent nature of the account. 
- Removal of the {$4000.00} debt from my account. 
- Removal of any negative reporting related to this fraudulent card from my credit report at all three major credit bureaus. 

I urge XXXX XXXX to address this matter as a priority to restore my financial standing and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am a victim of identity theft, and a fraudulent credit card account has been opened in my name at XXXX XXXX, accumulating a debt of {$4000.00}. The application for the card used a phone number, mailing address, and email address that do not belong to me. Upon discovering this, I promptly reported the issue to XXXX XXXX, explaining that the card was opened fraudulently. Despite my efforts, XXXX XXXX refused to investigate the matter properly. 

Following the initial rejection of my claim, I filed a second report, which included supporting documentation such as police reports, an FTC report, an IC3 report, and my current address. Despite these efforts, I have yet to receive any response from XXXX XXXX. Every time I attempt to follow up by phone, I am passed between multiple departments without any resolution. 

In addition to this, I have requested XXXX XXXX to provide documentation regarding the fraudulent application, but they have failed to do so. The unresolved fraudulent account has severely impacted my personal credit, resulting in a drop of more than XXXX points. 

The resolution I am seeking includes the following : - A formal conclusion to the investigation, confirming the fraudulent nature of the account. 
- Removal of the {$4000.00} debt from my account. 
- Removal of any negative reporting related to this fraudulent card from my credit report at all three major credit bureaus. 

I urge XXXX XXXX to address this matter as a priority to restore my financial standing and creditworthiness.

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 2024-09-29 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: TN

Complaint narrative:
They are vailating my rights according to the FCRA. TansUnion never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of s from the furnisher stating that the account Information being provided is 100 % accurate according to law. TransUnion was to conduct a proper investigation to provide the documentation outline above.

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 2024-09-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
Policy was canceled leaving me without coverage due to auto-pay having said to be declined by Direct Express . The auto-pay was with XXXX XXXX XXXX XXXX Representative from XXXX said payment was attempted once on the XXXX of XXXX of 2019. Then because of the " declined transaction '', the policy was taken off auto-pay and never was attempted again for the payment. Consequencely, said policy then was canceled for lack of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account

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