vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Back in XXXX The XXXX XXXX  debited my PayPal account for {$40.00} without a proper notification. After attempting to file the initial dispute with PayPal ; PayPal deemed the transaction legit and would not allow any further case review. I had no other recourse than to file a dispute with my financial institution which in this case was XXXX XXXX. Meanwhile, after some phone calls The XXXX XXXX finally agreed with me and refunded my {$40.00} and the case has been closed now for XXXX weeks ( XX/XX/2023 ) at least. 
PayPal will not allow me to close my account. Each time I chat with a PayPal representative its a different story as to why they wont allow me to close my account. Today however was different. PayPal now requests a letter from XXXX XXXX  stating the dispute has been closed. I contacted XXXX XXXX  dispute representative and was told directly from XXXX XXXX  that we have never had to send a letter to PayPal, they should see the dispute has been settled. I am now under the impression that PayPal is purposely trying to hinder me from closing my account. Perhaps PayPal has connections with the XXXX XXXX and as we know the XXXX XXXX XXXX is a XXXX  based near PayPal hq. So its not a stretch to believe that. I see no other reason why PayPal will not allow me to close my account. Especially since my own financial institution, XXXX XXXX  agrees with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer  Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, JPMCB and XXXX XXXX XXXX XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account On XX/XX/XXXX, I bought a XXXX car financed with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. There should be no other addresses on my report. I demand for each XXXX, XXXX, and Equifax to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX. There should be no other addresses on my report. I demand for each XXXX, Experian, and XXXX to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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. 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 has violated my rights. 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Best buy has a technical support team that I paid to fix the computers. ( many ) from them and the technician kept downloading webroot and all kinds of protection that never worked for me. Someone ( unknown user ) kept asking for my password so I locked him out on my 2 week old ( my baby ) XXXX '' XXXX laptop after 2 weeks so the ( unknown ) destroyed my operating system and Best buy from California customer care was looking for someone else to pay me back and I never got a dime only a new computer after new laptop with same problem. I brought best buys technician my first computer and he said what's the motherboard password I told him he said nope that's not it I told him I never made a motherboard password so he sent me away with it and told me he couldn't do anything I need to buy a new one. I looked in XXXX and learned to take out the battery and I fixed it myself. I also signed contract for a XXXX XXXX phone but their employee locked it in the safe and I got a big bill and XXXX XXXX XXXX didn't believe me so I spoke to the president of XXXX XXXX XXXX and he was wonderful and fixed it but I never got the phone. I had went to court about this and have proof and they have been harassing me for years and years with phone calls and this credit stuff. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Federal laws mandate the inaccurate information and late payment reporting is excluded from Consumer Files. TransUnion and XXXX are in violation of FCRA 1666b ( a ) by furnishing late payments on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. These late payments are illegal and also inaccurate information due to Payment history shown of credited payments twice the months of XX/XX/XXXX & XX/XX/XXXX. Account was suspended, closed and new card issued due to theft of my backpack containing credit cards, phone and tablet on XX/XX/XXXX. XXXX XXXX Police Department item # 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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Federal law mandates that inaccurate information and late payments on open end credit accounts are excluded consumer files. TransUnion and XXXX ( account # XXXX ) are in violation of FCRA 1666b ( a ) by furnishing inaccurate late payments on dates of XX/XX/2023, XX/XX/2023, XX/XX/2023 & XX/XX/2023. They are also inaccurate due to my XXXX XXXX XXXX app Payment history which confirms XXXX ( XXXX ) payments for the months of XX/XX/2023 & XX/XX/2023. Also my account was suspended, closed and a new credit card issued after theft of my backpack containing my credit cards, phone and tablet on XX/XX/2023. XXXX XXXX Police Department Item # 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I havent did anything on my credit report in over 10 years do to XXXX some one has been using my name etc trying to get cards an purchase things some stuff have actually been obtained by them now I have debts an hard inquiries thats not me I notified some of the companies with no answer or actions on any level

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the removal of a fraudulent account on my credit reports by the credit bureaus. I have discovered a fraudulent account that was opened under my name and I have written a letter to the credit bureaus requesting their thorough investigation into this matter and the removal of this fraudulent account via USPS Certified Mail on XX/XX/2023. However, they did not conduct an investigation and refused to remove this fraudulent account from my credit file. These are the details of the fraudulent account : Creditor : XXXX XXXX ; Account number : XXXX ; Balance : {$450.00} ; Date opened : XX/XX/2023. Upon discovery of this fraudulent account, I immediately took steps to address this matter, including filing an identity theft report with the FTC and placing a fraud alert on my credit files. Despite my efforts to remove this product of identity theft, the account remains on my credit report, continuing to negatively impact my financial standing and credit health. Under the Fair Credit Reporting Act and the Consumer Protection Act, I am entitled to have fraudulent accounts removed from my credit report. Therefore, I request the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this fraudulent account from my credit records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank has slowly been upping its interest rates on credit cards. It makes it harder and harder to pay off debt. I lost my job last year and can not afford to pay off my cards and it has just become harder and harder to do so. I called to ask if there were any options and the guy was like, no, not really, unless you want to talk to our nonprofit credit counseling partner. Which I don't, because my credit is decent enough, I just can't afford to pay these outrageous interest rates ( one card went from 16 % to 25 % and they don't tell you this when it happens ). I spent an hour on the phone with four separate departments today because no one was aware of what was going on. 

These people receive billions of public subsidy and they don't provide ANYTHING for the communities they " serve. '' I am sick of it and I need them to give me a better option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is reporting 2 collection accounts on my credit report as past due, which violates 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681.

AccountsXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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