vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
Subject : Urgent Request to Reinstate My PayPal Account - Unjust Limitation Dear PayPal Support Team, I hope this message finds you well. I am writing to address the recent limitation imposed on my PayPal account and to request its immediate reinstatement. I am currently facing significant difficulties with my business, and this limitation has only exacerbated the situation. 

Firstly, I would like to clarify that I sell my own brand of bilingual learning toys for children. Each order is diligently shipped with tracking via USPS to ensure transparency and accountability. I have maintained a strong track record of satisfied customers and prompt deliveries. 

It deeply troubles me that my PayPal account was limited without any apparent reason or warning. I have always complied with PayPal 's policies and have never engaged in any fraudulent or unethical activities. I humbly request clarification on the specific reason behind this limitation so that I may rectify any misunderstandings or address any concerns.

My wife and I are devout XXXX, and we are currently facing tremendous financial strain, especially with the impending arrival of our baby. The absence of PayPal as a reliable payment gateway has significantly impacted our ability to sustain our business during these challenging times. 

I kindly implore the PayPal team to reconsider this limitation and reinstate my account promptly. My intention has always been to provide high-quality educational products and foster a positive learning experience for children. I genuinely believe that my business aligns with PayPal 's values, and I am committed to adhering to all guidelines and policies moving forward. 

Your understanding and prompt attention to this matter would be immensely appreciated. I sincerely hope for a favorable resolution that allows me to resume my operations and support my growing family. 

Thank you for your time and consideration. 

Warm regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-20 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my XXXX XXXX  bankruptcy in my consumer report. 

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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 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 2023-09-20 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: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
In accordance with the Federal Credit Reporting Everything has to be 100 % accurate on my credit report.

The HIPAA Privacy Rule sets limits and conditions on the uses and disclosures of XXXX that covered entities and business associates may make without an individuals authorization and provides individuals with rights with respect to their health information. 

The attached letter was sent via certified mail on XXXX/XXXX/3023 to Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXX The customer service representative on the phone told me the reason for the visit. The company sent a breakdown of fees and diagnosis codes from XXXX XXXX XXXX XXXX but did not provide written proof that I had give permission for them to have access to my health information. The company removed the derogatory remark form my credit report with XXXX, XXXX, and XXXX and re-added the remark on XX/XX/2023. XXXX customer service representatives with Wakefield & Associates confirmed there is a " cease & desist '' remark attached to the account in their computer system yet the company reported the same account to the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-20 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: CO

Complaint narrative:
I have a late payment on the XXXX XXXX account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have a Goldman Sachs Apple credit card. Even though this is an Apple branded card, it is part of the XXXX network making this a standard credit card and is therefore bound by standard and customary rules and regulations for a credit card product. This would include how transactions are posted to the account and how information is reported to the three credit bureaus. However, Goldman Sachs is treating Apple transactions on this card as a " loan '' product and reporting transactions to the credit bureaus as a credit card transaction, which they shouldn't be doing. Loans are regulated differently than credit card purchases. 

This is how they are doing it. Say your credit limit is {$2000.00}. As an Apple Card holder, Apple allows you to make a purchase and pay over time. It's a benefit of the card. You agree to pay a specific amount each month. Apple also offers a " loan '' option via XXXXXXXX XXXX for the same monthly payment, further differentiating these two options as different products not alternatives to one another. The Apple Card is a credit card product and the XXXX XXXX option a loan product. 

Now say you make a {$1000.00} purchase with Apple and choose to take advantage of the card benefit and pay over time. Your monthly payment plan on the Apple Card is say {$50.00} but the product you purchased was say {$1000.00}. Goldman Sachs will take {$1000.00} out of your available credit of {$2000.00} and then your {$50.00} will go towards that {$1000.00} not the card itself, making this a loan within a credit card. Goldman Sachs will then report to the credit bureaus in a confusing and misleading way. They will report as if it's a credit card transaction, but they are treating the purchase as a loan. When it reports to the credit bureaus it will report with a " balance '' on the card of {$1000.00} and your available credit is {$1000.00}. This then reports as a 50 % credit utilization rate which damages your credit score. Under FCRA you can not report one product as another product, that violates FCRA regulations. Apple and Goldman Sachs claim, well you as a consumer agreed to their terms and conditions therefore, they can do whatever accounting maneuvering they want and this some how gives them a " pass '' from abiding by any corporate accounting and banking regulatory laws. Laws and regulations always supersede any terms and conditions a business may try to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/2023 I received my first pay roll check from my place of employment. I deposited the check thru my Chase bank mobile app and it uploaded twice, not purposefully. I knew the amount deposited being over {$500.00} would be put on hold for XXXX hours. After the XXXX hours came about, my checking account was restricted due to the double check uploading mistake. Understandable. I was told XXXX business days my account will become active again and my employers bank ( XXXX XXXX ) would need to cancel the extra check.. they did. So now being almost XXXX weeks of not having my hard earned pay check accessible, Im beyond frustrated. The XXXX yesterday came ( the XXXX business day ) I still could not access my money. I called customer service around XXXX pm, I was told my account is on hold another XXXX hours. After XXXX XXXX  came and I STILL cant pay my bills. I called around XXXX XXXX, to which I was again told that it will be on continued hold until my employer is verified. I went to chase, brought the pay roll check I deposited on my bank app, verified my entire existence to prove I am not a fraud. NOTHING is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris and Harris LTD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Debt Validation Request and Cease and Desist Notice for Account No : [ Your Account Number ] Ticket Numbers : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) To Whom It May Concern, I am writing to dispute the validity of a debt that your company, Harris and Harris LTD, claims I owe to the XXXX XXXX XXXX XXXX in the amount of {$840.00}, with the ticket numbers specified above. I received your debt validation letter on XX/XX/XXXX, and I am hereby requesting detailed information to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 809 and 811. 

I dispute the aforementioned debts for the following reasons : 1. Lack of Documentation : I request that you provide the original documentation pertaining to this debt, including but not limited to the original agreement, contract, or instrument bearing my signature and clearly showing that I am indeed the party responsible for this debt. Please include all terms and conditions related to these alleged debts. 

2. Proof of Assignment : Additionally, I request that you provide documentation proving that this debt was legally assigned or transferred to Harris and Harris LTD. This documentation should include a complete chain of ownership, demonstrating the legal transfer of the debt from the original creditor to your agency. 

3. Verification of Dates and Amounts : I seek verification of the dates and amounts associated with each ticket number mentioned in your letter. Please provide detailed records that substantiate the validity of these claims. 

If you can not provide the requested documentation within 30 days from the date of this letter, I request that you cease and desist any collection activities related to this debt, as it will be considered inaccurate and not properly validated under the FCRA. This includes ceasing all communication with me, my family, my associates, or my employer regarding this alleged debt. 

I also remind you of your obligation under the FCRA to promptly investigate and respond to disputes and to report the results of your investigation to credit reporting agencies. Any failure to do so may result in legal action being taken against your company. 

Please ensure that all communication regarding this matter is sent to my address as specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX I am taking this dispute and cease and desist request seriously and expect that Harris and Harris LTD will comply with all applicable laws and regulations in providing the requested information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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:
To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my XXXX XXXX bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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 non-monetary relief
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my chapter 7 bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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 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 2023-09-20 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief