vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On or about XX/XX/XXXX, I was informed by my account to remit payment in the amount of {$550.00} for my XXXX tax services. I asked to use PayPal in which he, XXXX XXXX, agreed. I asked him to confirm if XXXX XXXXXXXX was his PayPal and he confirmed it was. I submitted the payment. A few minutes later, XXXX XXXX informed me he did not receive my payment. I asked if his email for the PayPal account was XXXX and he said no. I further explained that this was the email associated with XXXX XXXXXXXX. I immediately contacted PayPal to stop the payment. The payment showed it was in the pending status for further investigation. I also submitted an invoice to the XXXX just in case. 

I attempted to submit payment to XXXX XXXX in the amount of {$550.00} for the XXXX tax services though PayPal. I accidentally selected friends and family vs business. PayPal informed me the transaction was authorize despite it being the incorrect user. I asked if PayPal can assist me in obtaining the payment back from the user or provide me with additional information and they declined. I informed them I did not receive any services from the incorrect user. I contacted my bank and they informed me I would need to settle the matter with PayPal. The company, PayPal has access to information to inform me whether the user with the email XXXX has accepted the payment, transferred the payment, or if the payment is held in a balance. PayPal has access to obtain these funds back and refuses to do so. 

On or about XX/XX/XXXX, PayPal completed the transaction and denied my claim. I emailed and contacted PayPal on the phone that same day and asked for an appeal. I made other phone calls to PayPal and was told that since the transaction was completed, I would not be able to get my money back. However, I requested the payment not to be completed. PayPal completed the transaction dispute my attempts to revert the payment. 

I had to subsequently remit payment to the real XXXX XXXX through XXXX in the amount of {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 XXXX XXXX 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct XXXX XXXX balance {$1200.00} XXXX XXXX account number ending in XXXX balance {$2100.00} acct XXXX XXXX  balance {$2100.00} XXXX XXXX account number ending in XXXX balance {$320.00} acct XXXX XXXXXXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct XXXX XXXXXXXX balance {$10000.00} XXXX XXXXXXXX XXXX account number ending in XXXX balance {$800.00} acct XXXX XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct XXXX XXXXXXXX balance {$500.00} These are violations!

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 2023-08-08 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXX XXXX XXXX  {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, TRANSUNION ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED 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 2023-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, EQUIFAX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: TX

Complaint narrative:
EXPERIAN, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED 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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I used capital one travel credit card to book a hotel room in XXXX on XX/XX/XXXX because I had a layover in the city and needed a place to sleep. I arrived in XXXX at XXXX XXXX. And then I took a taxi to the hotel, but the hotel was closed. According to Capital one, I should have read the details of the hotel as it says that the hotel closes at XXXX XXXX. But that was not communicated to me and it was buried somewhere in details. In addition, the hotel never sent me an email regarding the hotel hours that it closes at XXXX XXXX I have been trying to resolve this issue with capital one for over two days.I called them from XXXX and promised to get it resolved and get a refund. They never got back to me. Then when I came back home, I called them and then after 24 hours, they told me that they can not get me a refund for the hotel that I never used. I had to book another hotel to stay at that night. So I ask the government to help me get back my {$120.00} for the hotel I booked. I really never seen anywhere in the world where hotels close at XXXX XXXX. This is quite a scam. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I began the process of trying to assume my loan on XX/XX/XXXXXXXX  with Amerihome Mortgage company. After I received the documents, I immediately sent them out via faxed, emailed and sent USPS with BOTH of our signatures on the documents. My ex was willing to sign the house over. XX/XX/XXXXXXXX  was the first time I sent these documents. I received an email on XX/XX/XXXX that was an auto response. The company then sent me 10 more copies of the same documents after repeated requests to verify that they had received the ones I had sent. After many phone calls, I finally received the disclosures on XX/XX/XXXXXXXX  from the company. After many attempts to contact the company via phone, it took me filing a complaint to get someone from the office to call me after several attempts to contact the company. People promised a call back and I would wait and no one ever called. I filled out the documents promptly and returned them. After several attempts to get in touch with someone to verify if my package had been received. No one called me back, or emailed. I filed a complaint in XXXX. I finally was contacted by XXXX XXXX in the office of Amerihome in XXXX, who I then spoke to upwards of 40 times between XXXX and XXXX. My loan was transferred to XXXX XXXX XXXX XXXX after I had been approved by the VA and denied by Ameri Home. XXXX XXXX XXXX XXXX took three business days to send me the documents. My ex is now refusing to sign the documents and wants equity out of the home because he is now broke. I am facing large court fees now to get him to sign because the loan was supposed to be in my name by XX/XX/XXXX. Because Ameri Home was negligent and dragged their feet, I am now looking at having to move my XXXX kids and be kicked out of my house. I have asked Ameri Home to outline the timeline of the calls, emails and many correspondences we have had over the course of the past 11 months. For some reason they are unable to do that. I need to be in court XX/XX/XXXX to try and get the house in my name.

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 2023-08-09 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
A fraudulent hard credit inquiry was made on my credit report on XXXX XXXX XXXX. I reported this to the company Barclay 's Bank of Delaware in XX/XX/. It is still on my credit report. 
I contacted them again, this month, and they are still not taking action to get this removed from my credit report even though it was found as fraud.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
unfortunately I discovered that people can also take over your Experian account even without your login information by simply signing up for a " new account '' using your DOB and SSN as well and then changing the email and login info to whatever email/password they want for themselves. Someone changed my information for Experian to a different email username and password on XXXX and I was not the person listed in the system anymore. They then used this information to open a fradulent card with XXXX. I've reached out to Experian about this. There doesn't currently seem to be a work around to prevent people from doing this. I was able to reassess my account by signing up for a new account with the previously listed email but that is a major security risk. I also updated to two factor authentification as well, but there should not be a way to create a new account with a new email for the same SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Equifax is reporting a Bankruptcy on my credit report as the U.S. Bankruptcy Court XXXX XXXX of Texas ( XXXX ), which is false. I have attached the letter from the U.S. Bankruptcy Court XXXX XXXX of Texas, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. XXXX and Equifax are falsely stating this information on my credit report and has yet to remove this from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TX

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.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-08 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: GA

Complaint narrative:
The Company XXXX XXXX XXXX XXXX has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. 
This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. 

XXXX XXXX XXXX XXXX has not made one attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on two of 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 2023-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Called XXXX when received a notice they could not find account number in XXXX stated it was not an account of theirs. Also filed an affidavit with XXXX stating was not my account. Also filed a dispute with major credit reporting XXXX on XX/XX/XXXX which also conducted an investigation and came back to the conclusion this was not my account and was Also removed from my credit report. This was something that came up in XXXX midland funding bought this account I was served papers from them XX/XX/XXXX have also called them in reference to this stating it is not my account and they were extremely rude and unprofessional and I refuse to pay something that is not mine. This account was opened fraudulently there is nothing that has been given to or signed by me at all because this is 150 % not mine. There is no information on anything that was sent to me its all redacted out. But this bill is not mine which I have attempted to explain this to XXXX and they refuse to listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: TX

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. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am supposed to have 5 % back on all purchases for the first 90 days of opening this account. Chase has purposely slowed payments I have made which has left me with no available credit to make purchases in excess of 5 business days or more. Chase cites fraud protection but I have made multiple payments using the exact same method of payment ( my bank ) which has cleared with no problems. I called to ask if Chase could extend the offer by another 90 days and Chase offered nothing only telling me to request a credit limit increase. I am trying to buy a house and this is hurting my credit by showing I have a higher debt to income ratio because I can normally pay the card off right away but Chase continues to hold every payment up for multiple days much longer than necessary. I just want chase to honor their promotional terms. Saying I have 90 days to utilize this promotion and purposely placing my payment on hold is not honoring your terms. I spoke to a rep yesterday about my payment finally being applied to my account and I was told that amount would be available by today, and this amount is not available like they told me. This is the second time they have given me false information in regards to my available credit.

Company response to consumer: Closed with explanation