vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I was first contacted via mail on XX/XX/2023 from National Credit Systems INC regarding an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX. I sent my first dispute letter on XX/XX/2023. National Credit Systems then sent me a letter from XXXXXXXX XXXX XXXX XXXXXXXX XXXX with a Statement Letter and Renting Ledger. I did not believe this was satisfactory in showing an itemized list of what the debt is for so I sent my 2nd Dispute letter on XX/XX/2023 requesting the following information : Amount, the full name and mailed address of the original creditor, Documents showing they have verified this debt, documents showing theyre licensed to collect a debt in KY, documents showing I owe National Credit Systems this debt, and documents showing I agreed to this debt that it is my debt. Today is XX/XX/2023 and I have not received any documents or information I have requested and after checking my credit score, I have noticed it has been put on my credit. I believe this is an inaccurate debt that I do not owe as I did not approve this debt nor sign any documents approving this. I also believe National Credit Systems has broken my right to personal confidentiality as they mailed me a collection letter regarding this debt in question in an open, non-sealed envelope that I have kept for my records as a breach of privacy. Again, I have requested documents under my right as a consumer and have no received any documentation from National Credit Systems, since then they have posted this on my credit, and breached my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates , LLC began to harass me regarding a debt owed. They issued a garnishment XX/XX/XXXX of {$970.00} plus fees. My wages were garnished and the amount was paid in full. As of XX/XX/XXXX, Portfolio Recovery issued a second garnishment for the exact same case. After contacting them, their representatives stated that they don't know what the problem or disconnect is and they are looking into it. Unfortunately, I never heard back from anyone. Every time I call I get a new person who don't know whats going on. I have proof from my employer of my deductions taken from my wages. I can't sit and hope Portfolio Recovery figures it out since my wages are being garnished a second time. I'm looking into legal advice and I would like to file a compliant against Portfolio Recovery Associates not only for the mistake but for emotional and financial hardship they have caused. Their negligence is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TX

Complaint narrative:
MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2023-05-01 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: KY

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, registered under the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to request that you re-investigate my case and restore my account if possible. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. I have always used my account for legitimate transactions, and I have always complied with PayPal 's terms and conditions. Therefore, I am very concerned about the limitation that has been placed on my account. 

I believe that there may have been a misunderstanding or mistake in the review process, and I would like to request that you take a closer look at my account history and transaction records. I am confident that this will demonstrate my compliance with PayPal 's policies and show that the limitation was not justified. 

I understand that PayPal has a responsibility to protect its customers and prevent fraud, but I urge you to carefully consider my case and recognize that I have not violated any policies. I kindly request that you re-evaluate my account and lift the limitation as soon as possible. 

Thank you for your attention to this matter. I hope to receive a positive resolution from PayPal soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I sent a dispute directly to credence XXXX XXXX and they sent me a theft packet from XXXX. I completed the packet and sent it to XXXX. XXXX sent an email saying it would be resolved within 30 days. 30 days has come and gone and Credence is still reporting to the credit bureaus despite sending several emails that they believe the account is possible fraud. Which means they are not reporting 100 % accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I pulled my credit report and realized that I had damages on my credit report that is hindering me from purchasing a home. According to 15 U.S.C 1681 There should not be any damages on my 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 explanation
Consumer complaint received 2023-05-01 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: OneMain Finance Corporation
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

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

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 2023-05-01 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX 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 number under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
A company called XXXX is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my transunion credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.

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 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
It was worth checking for my bill and my bill is just not right. I don't agree with my doctor office visit bill **the total cost of {$770.00} and my insurance paid {$530.00}. 

I contacted the billing department to explain the charges but there is no explaination and they just transferred to the debit collection agency, I also contacterd the debit collection agency ; however, I couldn't find any helpful information from them at all. They were very rude. 

Therefore, I need to file a complaint.

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 2023-05-01 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: NV

Complaint narrative:
Dear PayPal Customer Support, I am writing to you to express my dissatisfaction with the permanent limitation that was placed on my PayPal account. I believe that this action was taken by mistake, and I would like to request that you re-investigate my case and consider restoring my account. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. Therefore, I am deeply perplexed by the permanent limitation that was imposed on my account. I have been a loyal PayPal user for many years, and I have always been committed to following your policies and guidelines. 

I understand that PayPal has strict rules and regulations to ensure the safety and security of its users, and I appreciate the efforts you make to prevent fraud and protect your customers. However, I believe that in my case, there has been a misunderstanding or an error, and I respectfully request that you reconsider your decision. 

In light of the above, I am requesting that you re-examine my account and provide me with an explanation of the basis for this limitation. I am confident that, upon further review, you will find that my account has been unfairly restricted, and I would like to ask you to restore my account if possible. 

I would appreciate it if you could respond to this email and let me know if there is any additional information that I can provide to support my case. The email address on my PayPal account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: NY

Complaint narrative:
Dear PayPal Team, I am writing this formal complaint to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was placed on my account by mistake and I have not violated any PayPal policy. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for a long time, and I have always conducted my transactions within the terms and conditions set by PayPal. Therefore, it came as a great surprise and disappointment to me when I received the notification that my account was permanently limited. 

As an honest and law-abiding user of PayPal, I would like to emphasize that I have not conducted any fraudulent or illegal activities using my PayPal account . I have always used my account for legitimate and lawful transactions only. 

Furthermore, I would like to request PayPal to re-investigate my case thoroughly and restore my account if possible. I firmly believe that my account has been limited by mistake, and I am willing to cooperate fully with PayPal in any way possible to resolve this issue. 

Lastly, I would like to mention that the email address on my PayPal account is XXXX. I hope this information will help you to locate my account quickly and facilitate the review process. 

Thank you for your attention to this matter. I sincerely hope that PayPal will reconsider its decision and restore my account as soon as possible. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo credit card - I bought a garage door and disputed the charge. The door does not close properly, does not lock, and leaks when it rains. I want a refund. I was XXXX by the company 's sub contractor.

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 2023-05-01 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Ive already submitted a complaint about this business. Now Im going to state how many of my rights they violated they were not fair or equitable and also defamed my character. I have a right to privacy I havent gave them permission to run my credit or my information. Also I was denied without an explanation or reason why. 15usc1681i, 18usc1961, 15usc1681b,15usc1681b4,15usc1681a4,15usc6801,15usc6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: FL

Complaint narrative:
XXXX XXXX now called XXXX XXXX XXXX and XXXX XXXX XXXX is calling someone else talking about my personal information Ive asked for what this is in writing and no response Ive also disputed this on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I previously submitted this complaint with CFPB and the company replied that the account was verified as accurate. 

Well this complaint proves how the Experians so-called investigation WAS NOT investigated properly. 

The public record item XXXX XXXX XXXX XXXX XXXX on my credit file contains the following errors : 1. The court name is not listed correctly XXXX XXXX XXXX XXXX XXXX XXXX is not an actual court name ) 2. The case number is inaccurate ( # XXXX is not accurate. My case has no letters ) 3. Dates shown are inaccurate ( XX/XX/2016 is not the correct date ) These are multiple errors/violations and a copy of my actual Bankruptcy document with the CORRECT INFORMATION is attached to prove these inaccuracies.

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 2023-05-01 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and 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 2023-05-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See Attached Docs!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. 


I have carefully reviewed the Metro 2 Credit Reporting Guidelines, which specify the proper procedures for the accurate reporting of consumer credit information. It is evident that the aforementioned items do not adhere to these guidelines, and as such, I kindly request that you investigate these inaccuracies and take appropriate action to rectify them.

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 2023-05-01 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: PA

Complaint narrative:
THERE ARE INQUIRES REPORTING ON MY FILE THAT I DIDN'T AUTHORIZE. I'M SUBMITTING MY COMPLIANT ALONG WITH THE LETTER I CREATED WITH THE FOLLOWING INQUIRES.

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 2023-05-01 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Somebody tried to open up a macys credit card under my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.

Company response to consumer: Closed with explanation