vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased a few pairs of sneakers from XXXX XXXX XXXX via PayPal. Beginning in XXXX of XXXX  until XXXX of XXXX This was a pre-order for sneakers that were said to release later in the year. 

Fast forward to XXXX, word came that this particular company was being investigated for fraud and was dissolving the business, hence leaving my pre-orders in doubt, having already paid. I am mediately filed claims with PayPal under buyer protection, which are in their terms and services. They were receiving so many claims from similar people who were scammed, and kept delaying a resolution to refund money. Finally after 3 months ( they are supposed to take 30 days max ), they informed me that they denied my claim because I violated the terms of service And later stated that reason was because my purchase was intended for resale This is clearly just away from PayPal not honoring their commitment to their customers, because not only were are all my purchases from this vendor singular shoe orders in my personal size, they have no proof that my purchase was for resale other than they can not disclose it to me for security reasons. I know there are many more who PayPal is doing this to and needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/20, my Cash App card was used 4 times in the middle of the night at a place called XXXX XXXX XXXX in Ohio. I live in Virginia and did not make these purchases, I did not give my card or info to anyone else to make these purchases either. Immediately after noticing, I cancelled the card and ordered a new one. I also followed CashApp 's dispute process and disputed each charge. They refunded 2 of the charges, but denied the other XXXX. 

XXXX. XX/XX/20 @ XXXX am {$99.00} - refunded. 
XXXX. XX/XX/20 @ XXXX am {$58.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$38.00} - claim denied. 
XXXX. XX/XX/20 @ XXXX am {$67.00} - refunded. 

I don't understand why 2 of the charges were refunded, but not the other 2. I asked through the support chat and the only explanation I got is attached together with the following statement : We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I applied for a premier checking account with HSBC on XX/XX/2022, and the account was approved the next business day XX/XX/2022. The terms of the agreement were a bonus amount of {$450.00} when I make a direct deposit from my paycheck/salary of {$5000.00} or more each month for 3 consecutive months. I did fulfill the terms of agreement for XXXX, XXXX, and XXXX, and when I reached out to the bank on their fulfilment of the bonus, they have been posting me now for the past 2 months. Every time I call, the representative will confirm that I met the terms and say the payment will be made on a future date and they never did. The last time I called, about 2 weeks ago, I was told the payment will be made on or before XX/XX/2022. We are past that date now and the bonus amount is yet to be credited to my account. I feel disrespected and deceived by this Bank and decided to file this complaint against them for the way I am been treated and their refusal to fulfil their own terms and conditions. I am deeply disappointed with HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: DC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by15 USC 1681. And they violated my right numerous of times. I demand the accounts listed below be remove because According to 15 USC 168 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus Experian, XXXX and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX Closed XXXX XXXXXXXX XXXX Closed XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX/ XXXX : XXXX Closed XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Closed XXXX XXXX XXXX XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX/ XXXX XXXX CLOSED 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 2022-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: MO

Complaint narrative:
My wife and I were sold two solar systems by XXXX XXXX XXXX XXXX XX/XX/2022 which was financed by Goodleap. XXXX XXXX arranged for the loans for us. The solar systems have NEVER worked. When we were sold the systems we were promised many things like that the systems would provide enough electricity to totally run my homes 24/7 without using from the grid, NO LIEN on my real estate - they would just get the equipment if payments were stopped, payment to me to pay the first year 's loan payments ( I have not received for one of the systems ), service for the length of the loan, panel replacement if production was less than 78 %, and promised more that is not true. We were asked to " sign '' on the phone and unable to read the contract in detail. XXXX XXXX we contacted Goodleap ( lender ) and requested that they suspend the loan payments until the systems were working correctly. I was told yes, we can help you with that but let me transfer you to another department so you can set that up. When transferred I was told no, we do not do that, you owe no matter what. Several states are investigating XXXX XXXX XXXX XXXX XXXX. My case is being investigated by the Missouri Attorney General. Addresses for the systems are XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I had noticed a charge on my credit report for LVNV FUNDING I had no idea what that was so I sent a debt validation letter to them last summer XXXX which they did not respond to. The very first time I was contacted by LVNV Funding themselves, it was to be served because they were suing me XX/XX/XXXX. The case had a set date I believe XX/XX/XXXX and then XX/XX/XXXX but ultimately the whole thing was cancelled. I called in XXXX before the first court date in an attempt to settle and was told I would be contacted shortly. XXXX came and I still was not contacted. I received a letter in the mail stating my court date had been pushed back to the XXXX, and a few days later I got a letter saying my court date was cancelled. I called LVNV again trying to understand what happened, left at least 5 voicemails for a XXXX that works there ( that I was waiting to be contacted by. ) I called a general line at LVNV and was able to talk to someone who said that my profile was set on do not disturb status which I never requested. They also were able to clarify what this debt was for, which was a XXXX account. I asked for that to be reset because I wanted to discuss this. The agent said he was unable to, again being told I will be contacted through mail & again never receiving anything, even after confirming my mailing address. I see it every time I check my credit report, and they have now added on $ XXXX in charges and I havent been able to discuss anything with anyone let alone set up a payment plan to settle the debt. I really need them to either contact me so I can settle this matter or remove it from my credit report so it stops harming me and my reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NJ

Complaint narrative:
see attached documents. I am a victim of identity fraud review FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
see attached documents. I am a victim of identity fraud review FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XXXXXX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is demaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report Thank you 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 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
EdFinancial is delaying refunds for payments made during the CARES Act suspension. I was told refund would take 150+ business days or 7+ months to process. Representative told me that I may not qualify for forgiveness as the refund would not be processed timely and it would negatively impact credit score. EdFinancial is providing misleading information and tried to discourage me from requesting refund for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : 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 2022-09-01 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: NY

Complaint narrative:
Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation