vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 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

Complaint narrative:
I signed up for PayPal to receive payments for my online Business and also pay for my stuff using the same platform. On the XXXX of XX/XX/2022, I added my credit card details to my PayPal account and was charged {$1.00} for adding my card and was still charged {$1.00} to verify I was the account owner the verification money was never returned to my card of PayPal Merchant XXXX. I gladly provided the files required all was fine then I clicked on the home page I saw my account has been permanently limited. I feel misjudged and I really want my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My minor son is a victim of a money scam. He was threatened to send money via Zelle and he sent {$500.00} without my knowledge and authorization. I opened a fraud victim case with my local police the same day it happened. The credit union will not reimburse him his money and stated Zelle is a 3rd party company they are not affiliated with and because the money posted ; they will not reimburse him. This occurred on Friday, XX/XX/2022 and he was scammed out to {$500.00}. I contacted Zelle support and they would not reimburse him the money too even though they opened a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Funding has repeatedly attempted to collect debts from me that are much more than the original creditor has asked. Theyve placed a number of shady accounts on my credit file and have yet to provide me any proof that I have agreed to pay any additional fees on my balance to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I would like to file a complaint about PARAGON Revenue Group who sent my medical bills that were under dispute to Credit Bureau. I am a XXXX patient and had large amounts of bills for my medical treatment during year XXXX. Since I was eligible for XXXX XXXX, I was in contact with XXXX XXXX in sending documents to prove my eligibility and to receive the proper discount and pay the rest of bills. After I received my medical bills from PARAGON, I notified PARAGON in writing in less than 30 days from the date of bills. I explained it to PARAGON that the amounts of bills are not correct, I am eligible to receive hardship discount for my medical bills and am waiting for XXXX XXXX response. In spite of that PARAGON reported me to Credit Bureau and damaged my credit. 
PARAGON has damaged my credit by sending the bills that were under review to XXXX XXXX. Assistant Vice President of XXXX XXXX XXXX in XXXX XXXX contacted PARAGON on XX/XX/XXXX, and asked PARAGON to reverse the derogatory reporting against me but PARAGON has not done any action so far. I also contacted PARAGON in writing on XX/XX/XXXX and asked them to remove my name from Credit Bureau. ( Please see attached ) As of now PARAGON has not done any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: MD

Complaint narrative:
I am a human being name XXXX XXXX XXXX I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION XXXX XXXX.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of 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 non-monetary relief
Consumer complaint received 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a dispute with Bank of America under the claim XXXX XXXX, for an amount of {$1.00} because the seller never sent the item. 
I sent to the bank the receipt showing that the seller must sent the item in 5 business days by XXXX. 
But the bank rejected the claim saying that the purchase was made face to face, and I must check the goods on that place. But they didnt see that the store didnt have the items on the same place and they will send it later.

But they never sent it. I also opened 2 more disputes for the same merchant and those claims are closed and approved.

So it doesnt make sense to have one rejected and the others approved for the same merchant and situation. 
other case : 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 monetary relief
Consumer complaint received 2022-07-17 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: IL

Complaint narrative:
Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file

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 2022-07-17 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: IL

Complaint narrative:
Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: IL

Complaint narrative:
Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 p

ercent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file

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 2022-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Equifax sent a letter stating that an investigation had been completed and the debt had been validated, however Equifax failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Equifax, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX, Account number:XXXX Amount : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry 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 2022-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
NOTICE New infomation New update I claim harm by way of trespass, fraud and Dishonor on XX/XX/XXXX ADVANCE AMERICA stated that they validated alleged debt after requesting " an authenticated record of accounting in order to validate and verify alleged debt '' this is what ADVANCE AMERICA sent " According to our records, XXXX XXXX entered into a Customer Agreement ( Agreement ) with Advance America on XX/XX/2021 at the storefront located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Agreement, XXXX XXXX agreed to repay an amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX  cents ( {$1200.00} ) in XXXX ( XXXX ) bi-weekly payments of XXXX XXXX XXXX dollars and XXXX cents ( {$200.00} ) each and XXXX ( XXXX ) final payment of XXXX XXXX XXXX dollars and XXXXr cents ( {$200.00} ). After receiving no successful payment from XXXX XXXX, his account entered into default status on XX/XX/2021 with a balance of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$1200.00} ). XXXX XXXX XXXX reach out to our collections department at XXXX to discuss mutually agreeable payment arrangements for his outstanding balance. Advance America strives for excellent customer satisfaction, and we regret when a customer is dissatisfied with his experience with our company. Based on the above, we hope this matter is resolved to your and XXXX XXXX satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, XXXX XXXX XXXX of Florida XXXX XXXX under any applicable laws, statutes or procedures. '' Notice to ADVANCE AMERICA I have the right to ask questions and you have a duty to answer them. I also have the right to obatin clear, complete and accurate information. 

I conditionally accept your offer upon proof of claim Pursuant to Federal Law 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( b ) ( c ) - Validation of debt Failure to comply with Federal Laws and dishonor I will hold the CEO, President and Vice President of ADVANCE AMERICA liable for fraud and dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I called to TD bank todaa XX/XX/XXXX to submit a dispute but the representative denied that saying that is out of 60 days. But she didnt care about the expected delivery date was XX/XX/XXXX. 

Transaction 1 : XX/XX/XXXX, {$870.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

Transaction 2 : XX/XX/XXXX {$860.00} XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Must be delivered on XX/XX/XXXX. 

I tried to reach the merchant several times starting on XX/XX/XXXX without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17 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: MD

Complaint narrative:
Hello my name is XXXX XXXX. I was going threw my credit report and saw that a account by the name of XXXX ACCT NUMBER XXXX is on my credit report. I know nothing about this account and I file a identity theft report. i also send Experian the identity theft report but I haven't receive any feed back yet and it been over 30days my TRACKING NUMBER for this dispute XXXX XXXX XXXX XXXX XXXX XXXX. By the post office. Also here are some laws that this account is VIOLATING my consumer rights of Privacy 15 U.S.C 1681 Procedure in case of disputed accuracy ; Section 2 Prompt notice of dispute to furnisher of information 15 U.S.C 1681- Treatment of inaccurate or unverifiable information 15 U.S.C 1681s Responsibilities of furnishers of information to consumer reporting agencies

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 2022-07-17 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: MD

Complaint narrative:
Hello my name is XXXX XXXX. I was going threw my credit report and saw that a account by the name of XXXX ACCT NUMBER XXXX is on my credit report. I know nothing about this account and I file a identity theft report. i also send Experian the identity theft report but I haven't receive any feed back yet and it been over 30days my TRACKING NUMBER for this dispute XXXX XXXX XXXX XXXX XXXX XXXX. By the post office. Also here are some laws that this account is VIOLATING my consumer rights of Privacy 15 U.S.C 1681 Procedure in case of disputed accuracy ; Section 2 Prompt notice of dispute to furnisher of information 15 U.S.C 1681- Treatment of inaccurate or unverifiable information 15 U.S.C 1681s Responsibilities of furnishers of information to consumer reporting agencies

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 2022-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was denied credit by several companies due to the inaccurate and unverified information TransUnion is furnishing onto my consumer report. TransUnion is reporting the status of account XXXX for XXXX XXXX XXXX is open. This information is inaccurate. The account status is closed. The balance for this account is {$0.00}. The account was paid and settled. The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report, I realized that my report is unfair to me because I was never notified when this inaccurate information was furnished. This mishap has ruined my reputation, and adversely affected my credit worthiness. TransUnion assumed this role and assumed this information was valid. TransUnion failed in the initial investigation of this information. Which is a violation of my consumer rights. This account needs to be investigated and deleted from my consumer reports.

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 2022-07-17 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: MD

Complaint narrative:
I am a human being name XXXX XXXX XXXX I received documentation that XXXX XXXX XXXX Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX XXXX XXXX XXXX  Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of 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