vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). XXXX forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I filed a dispute on XX/XX/2022 with Paypal for transaction ( ID XXXX ) from a Paypal account linked to email ( XXXX ) in the amount of XXXX ( XXXX in USD ) to a Paypal account under name : XXXX XXXX XXXX my XXXX son made a transaction that I did not authorize to a fraudulent offer on the internet. When my son did not get what he wanted to purchase, he reached me and I filed a claim with Paypal, worned an account under XXXX XXXX holder that he is not my family member of a friend, he scammed a child and if he will not return the amount I will continue to ask authorities to run the investigation. After 7 days of waiting from Paypal I got a denial email that a transfer was authorized. 

What should I do and whom should I contact further on? 

It is a fraudulent activity of a Paypal account user, and I did not authorize this purchase. 

Paypal representative, who issued a denial letter, can not speak for me ( if I authorized it or not ). Thus, this person was not properly trained to identify fraudulent and unauthorized activity on the account. 

I do not have anyone in XXXX and never sent any money to XXXX previously to this fraudulent person previously. 
In this case I consider Paypal supporting scammers and fraudulent account users in XXXX who target kids on XXXX  platform to scam their parents ' PayPal accounts. 
I want to escalate this case to an official investigation on PayPal financial services to a manager level for : 1.Review and close scammers ' accounts that are targeting children ; 2. Act in a proper timeframe for report of scammers 3. Refund the amount I was asking. 
Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
On XX/XX/2022, Southwest Credit Systems, L.P. ( " SWC '' ) responded to my complaint XXXX, completely ignoring all responsibility the company has as it pertains to my consumer report. The company alleges, " SWC takes all consumer complaints seriously and is grateful for the opportunity to respond '', yet the company completely ignored federal law, it ignored proof of the inaccuracies on my consumer report and their requirement to report accurately, and made no mention of the issue at hand in my previous complaint which was the inaccurate use of my consumer reports. The company failed to acknowledge or respond to the fact they have no written permission from me the consumer to utilize my consumer reports as is required under federal law 15 USC 1681b ( a ) ( 2 ). The company failed to acknowledge or respond to the previously attached document in the complaint of the alleged debt obligation that is reporting inaccurately with highlighted sections to display this fact. The company failed to acknowledge or respond to the fact that it is 100 % responsibility of the furnisher to report complete and accurate information as seen in, The United States of Appeals, Ninth Circuit, No 00-15946 Nelson V Chase Manhattan ( 15 USC 1681s-2 ( 2 ) & ( 3 ) ). The company failed to acknowledge or respond to the fact that the company is required to notify me, the consumer, prior to sharing any of my alleged personal information with non affiliated company as is a federal requirement under 15 USC 6802 ( b ) of my right to exercise my non disclosure right. This is a right provided to me the consumer by congress, it is not subject to the companies policy. This company continues to harass and defame my character in direct violation of federal law as well as my wishes as the consumer. The document they received on XX/XX/2022 detailed my desire for the company to Cease & Desist all illegal activity. It is now XX/XX/2022 and this company continues its illegal activity. Attached is the same attachment in the previous dispute that clearly shows inaccuracies. In the companies response through the CFPB, it states " SWC received XXXX XXXX initial dispute on XX/XX/XXXX and has been correctly reporting the account as disputed since then. '' The attachment shows proof otherwise. Inaccuracies clearly can be found in the highlighted sections, Account Status, Date Last Active, Derogatory/Dispute Indicator. It is the furnishers responsibility to ensure maximum accuracy. After SWC 's response, the company is willfully violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
8. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
13. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from 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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was job scammed over the course of a week by people claiming to be who they were not on XXXX I was offered a job interview on Monday XX/XX/XXXX as an XXXX XXXX in the video game industry. Over the week we had a legitimate and industry specific phone interview with multiple people. I was offered a job and filled out company pdf 's including my direct deposit info and home address. I was ultimately scammed out of {$1000.00} via XXXX on XX/XX/XXXX to a fake XXXX for a job required XXXX. I was told the company would expense XXXX transfer after being given an invoice from a real vendor, but I didn't know the recipient address for the payment was a scammer 's account " XXXX XXXX ''. I was then harassed a little after I asked the imposters to do a video call, and ultimately blocked by them. 


Wells Fargo Bank told me they could not reverse this transfer despite me opening up 2 claims with them and explaining in great detail the scam/fraud. I had also called immediately after the scam to report it as to not waste any time.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UPGRADE, INC.
State: WA

Complaint narrative:
I had an amount due on XX/XX/2022, for {$220.00}. I made thus payment a few days late, and per the cardholder agreement, no late fees were charged. However, my balance was only reduced by {$38.00}. Let me repeat, a {$220.00} payment only reduced my balance by {$38.00}. My loan balance was {$4600.00}. My APR is 23.95 %. I should be paying about {$95.00} each month in interest. The rest of my payment SHOULD be reducing my balance. Why was my balance only reduced by {$38.00}, instead of {$130.00}? There is something wrong. This has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2022, I deposited a check # XXXX from my XXXX Bank ( XXXX ) checking account to my Ally Money Market Account ( Ally ). ( SEE FILE A ) The check was written for {$1400.00}. The balance in my XXXX Bank had enough money to cover the amount of check # XXXX ( SEE FILE C ). On XX/XX/2022, I noticed that check # XXXX was returned, with no reason stated. I contacted XXXX and asked if the check was presented to the bank- XXXX stated the check has NOT been presented to the bank for payment. On XX/XX/2022 I contacted Ally to inquire about why the check was returned and a {$7.00} fee was charged to my account. ( SEE FILE A ) Ally states it presented check # XXXX to XXXX and XXXX returned the check for " non-sufficient funds ( NSF ). '' XXXX maintains the check was never presented and it would have cleared the check. Ally refuses to send me any documentation showing the check was returned for NSF and denoted my Ally bank account record and possibly my credit report as a " check bouncer '' - when that is not true.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had received at my family home, which I haven't lived there since early XXXX, a letter from Capital One. Within the letter dated XX/XX/XXXX, it stated I had a new account and I needed to speak to a team member about charges that had been made. Mind you I DID NOT open a new account with them and the two accounts that I do have DO NOT match the one in question. I spoken with Capital One on XX/XX/XXXX. They did not find any information about sending out a letter nor the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Hello, When I received this debt, i requested a debt validation. The amount of this debt was under XXXX. 

The collection agency has inflated the amount of the claim and is reporting in correct balances. I wrote a written request equifax some time ago, however I received an automated response no real research was done. 

CHOICE RECOVERY INC Last reported XX/XX/XXXX {$710.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: SC

Complaint narrative:
XX/XX/2022 Experian customer service violated my privacy changed information without my consent or authorization refused to make correction. 


I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account - US BKPT CT SC COLUMBIA Account Number - 2001397HEB 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 an account without m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX 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 an account without m written instructions. 
Delete this account immediately {$1000.00} per violation Account - XXXX XXXX XXXX XXXX XXXX Account Number - XXXX XXXX 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 an account without m written instructions. 
Delete this account immediately {$1000.00} per violation PERSONAL INFORMATION Incorrect name - XXXX XXXX XXXX ( DELETE XXXX ) Delete this account immediately {$1000.00} per violation Incorrect name - XXXX XXXX Delete this information immediately {$1000.00} per violation Address Information XXXX XXXX XXXX XXXX, SC XXXX Delete this account immediately {$1000.00} per violation XXXX TRIBUTARY WAY XXXX, GA XXXX XXXX this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation EXPERIAN XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX 
Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation

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 2022-09-13 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: U.S. Auto Credit Corporation
State: MD

Complaint narrative:
U.S auto credit continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request U.S auto credit to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. XXXX is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX  continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request XXXXXXXX XXXX XXXX  to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. Transunion is doing nothing but keep reporting accuracy on the account. This is fraud to report closed 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 non-monetary relief
Consumer complaint received 2022-09-13 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: Westlake Services, LLC
State: MD

Complaint narrative:
I purchased a vehicle from a car dealership in XXXX XXXX Maryland after the vehicle was having numerous problems I return the vehicle ..the dealership wrote a check to Westlake financial for the balance owed on the car the check was no good

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 2022-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation