vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-24 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: NY

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has been imposed due to a misunderstanding or error, as I am confident that I have not violated any of PayPal 's policies or terms of use. 

I have been a loyal and responsible PayPal user for XXXX XXXX XXXX XXXX, using the platform for various personal and occasional business transactions. Throughout this time, I have made sure to adhere to all of PayPal 's guidelines, as I understand the importance of a secure and trustworthy online financial environment. 

Given the sudden and unexpected permanent limitation on my account, I find myself perplexed and worried about the status of my funds and transactions. I have always ensured that my account activities are transparent and well within the boundaries of PayPal 's policies. 

I kindly request that PayPal undertakes a thorough review of my account and the circumstances that led to this unfortunate situation. I am confident that upon closer inspection, it will become evident that my account has been unfairly restricted. I genuinely believe that this limitation is not a result of any actions on my part that violate PayPal 's terms. 

I understand that PayPal 's priority is to maintain the safety and integrity of its platform, which I wholeheartedly support. However, I firmly believe that my case warrants a re-evaluation, considering my track record of responsible account management. 

I kindly ask you to re-investigate my case and consider lifting the permanent limitation on my account. The ability to use PayPal is crucial for me, both personally and for potential business needs. I value the convenience and security that PayPal offers, and I am eager to continue using the platform as intended. 

I appreciate your attention to this matter and your dedication to ensuring a fair and secure online financial environment. Please feel free to contact me at XXXX for any further information you may require or to update me on the progress of this appeal. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: U.S. BANCORP
State: MO

Complaint narrative:
A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and US Bank in order to get the issues cleared up. US Bank has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, US Bank seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet US Bank ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my free credit report and found inaccurate information. I called all parties involved. I have mailed in handwritten letters within the past 60 days. I had no insurance with these ppl. Insurance and debts were cleared. I need this non verified account removed immediately. XXXX has deleted a lot of fraud off my account this week. THIS SHOULD BE REMOVED LIKE 10 OTHER ITEMS WERE REMOVED THIS WEEK IMMEDIATELY. Thanks XXXX for valuing my profile. Below is all the inaccurate information pertaining to this account. 



Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXXXXXX XXXX Amount Owed {$190.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXXXXXX XXXX XXXX Last Verified Date XX/XX/ Paid off Date N/A Closed Date N/A Resolution -- Current Status Placed for collection Instant Action Action History XX/XX/XXXX XXXX  Update My Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( 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 2023-08-24 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: GA

Complaint narrative:
I reviewed my free credit report and found inaccurate information. I called all parties involved. I have mailed in handwritten letters within the past 60 days. I had no insurance with these ppl. Insurance and debts were cleared. I need this non verified account removed immediately. XXXX has deleted a lot of fraud off my account this week. THIS SHOULD BE REMOVED LIKE 10 OTHER ITEMS WERE REMOVED THIS WEEK IMMEDIATELY. Thanks XXXX for valuing my profile. Below is all the inaccurate information pertaining to this account. 



Account XXXX XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXXXXXX XXXX Amount Owed {$190.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXXXXXX XXXX XXXX Last Verified Date XX/XX/2023 Paid off Date N/A Closed Date N/A Resolution -- Current Status Placed for collection Instant Action Action History XX/XX/2023 Update My Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023 I received and email that there were fraudulent activity on my Capital One account, I called and they said there was a payment made and needed to verify the account. At that moment I stated that was not my account and that they needed to return payment and please unrestrict my account.They stated again that my account will not be unresctricted until the XXXX XXXX account that I dont own nor know the owner or anything of that nature can be verified. I stated I cant verify it because I dont own it and I dont know who the owner is. They kept asking if it was a friend or someone I said no. One day I called saying I wish I know someone that would do that and they thought I knew the person which is not correct. Now I am stuck with a restricted account that I am making payments on and possibly paying interest when I cant use it and later close the account under what terms? This is very unfair for a consumer specially if I said I cant verify it, I had no fault on it and I am the one suffering for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I bought an American Express gift card for {$500.00} on XX/XX/2023. When I tried to use it, it had XXXX balance. I called American Express, and I made the dispute sending them all the documents they asked for. I called several times but did not get any help. So today I called back. They had closed the dispute saying it had been resolved They said they refunded someone that called but would not say who. The card has never left my hand. No one else has it. I really need a refund or at least a card to replace this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I made a title loan with TitleMax, XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone number XXXX on XX/XX/XXXX. Amount of loan was for a total of XXXX plus interest of XXXX for a total of XXXX, number of payments due was XXXX, with interest of XXXX XXXX Annual Percentage Rate. I made several payments to them before I got laid off from my job. However, all the payments I made were applied to interest only, nothing went to priincipal. I inquired why it was all paiid to interest and nothing to the principal and they told me that is their practice to appy payments to interest only and if I wanted to pay off the loan, I had to pay it off with the total amount of loan XXXX all at once. Well I could not do that and ended up not making payments after I lost my job. I have not been able to find work for months and borrowed from them to pay my bills - rent, electric, water, auto insurance, cell phone - and that is why loan got so high. TitleMax is trying to repossess my truck, a XXXX XXXX XXXX but I can't let them do that as I need it to look for work and it is not right to apply all payments to interest only and principal never goes down. II understand there is a case against TitleMax for unlawfull practices. Does my situation qualify under this case? And what are my options to deal with them. I can send you a copy of the contract if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
[ a ] Our mortgage was sold to Newrez mortgage company for servicing. Beginning in XXXX of they began harassing us for not having condominium association insurance on our property and that they would purchase and bill us for insurance through their company. Their correspondence was unclear and we first sent our personal condo insurance binder. After talking we a rep at Newrez we realized they wanted another copy of the condo association binder. We faxed them that document on XXXX, XX/XX/XXXX. We also emailed a PDF of it. 

[ b ] We then then received notification that they were going to purchase condo association insurance because they didn't have a more current insurance binder. Perhaps an appropriate request but we never received a request until they threatened to purchase insurance on our behalf. We immediately sent them via email/PDF our binder.

[ c ] We then received notice that Newrez lost the original previous expired binder and that we needed to provide a replacement copy or they would bill us for the prior year 's insurance. Note that this is a {>= $1,000,000} comprehensive insurance policy on 285 units. 

[ d ] We promptly sent them a copy of the old binder via email pdf. 

[ e ] We received written notice on XXXX, XXXX that all binders for coverages for our condo were in place and that there would be no further issue. We thought this matter was taken care of thanks entirely to our efforts.

[ f ] But alas, today we received notification that we will owe {$7.00} for coverage that they will purchase for XX/XX/XXXX through XX/XX/XXXX because they don't have proof of coverage for that time period [ g ] Attached please find a pdf of our 2 binders for our coverage for : [ 1 ] XX/XX/XXXX through XX/XX/XXXX [ 2 ] XX/XX/XXXX through XX/XX/XXXX [ h ] Newrez has previously received both of these binders over the past months. I sent them the binder as well as the coverage detail. I will be scanning and resending via PDF both of the binders, yet again, to Newrez today with a cover letter asking for a written response that the matter has been resolved.

[ i ] This seems like a scam to get people to purchase unnecessary insurance through a subsidiary of Newres. At the very least it is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
. 
In accordance with the fair credit reporting act XXXX  accounting # XXXX, has violated my right. 

15USC 1681 Section 602 States that I have right to privacy.

15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
. 
In accordance with the fair credit reporting act XXXX  accounting # XXXX, has violated my right. 

15USC 1681 Section 602 States that I have right to privacy.

15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I checked my credit report and noticed there was an unauthorized and unverified hard inquiry on my credit report from the company 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 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: NY

Complaint narrative:
I am doing this report because there were many fraudulent accounts in my credit report. 
I did not have knowledge about these accounts. This is inaccurate information that I would like to be removed. 


I am unaware of this account and the collections are reported in my credit report. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: TX

Complaint narrative:
I tried getting my old account with XXXX XXXXcashapp closed and the funds transferred to my new account. However the company refused to do this! Ive explained that my card along with my vehicle, wallet and both phones were stolen in an armed robbery and offered the case number as well as the phone number to the police for verification. The company still refused after telling me to create another account which would then allow them to close my old account and transfer funds! This did not happen!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: IL

Complaint narrative:
I spoke with Discover Credit card customer service on XXXX XXXX XXXX explaining that I MAY be consolidating my debt. I did not confirm at all. I called to make a payment on my account and they closed my account without my permission stating that they thought I was consolidating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continue to report incorrect address on my credit report. Following are the incorrect address : 1. XXXX XXXX XXXX, GA XXXX Note : Incorrect address, must be removed 2. XXXX XXXX XXXX XXXX XXXX GA XXXX Note : Never lived at this address, 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 non-monetary relief
Consumer complaint received 2023-08-24 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Innovis is reporting an inaccurate account on my consumer report. The account is name " XXXX XXXX  Account # ending in XXXX '' They have failed to provide me with proof on an investigation to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the dates XX/XX/2023 and XX/XX/2023, XXXX transactions totaling in {$1200.00} were deducted from my savings account with the description XXXX XXXX XXXX XXXX. Once aware on XX/XX/2023, I filed a dispute. The investigation was found to be invalid due to my authorizing the transactions. When contacted, the financial institution was unable to provide evidence of my authorization. We proceeded to reopen the case. I also contacted XXXX to look into information about the transactions and was unable to get further information.

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