vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX  Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In PayPal 's response to my previous complaint, they claim to have correctly debited my PayPal account. This is absurd and PayPal is acting illegally to defund me. No additional refund has been posted to my account. Additionally, after speaking with a PayPal representative yesterday, she stated PayPal would conduct a further investigation into this issue. Yet, the CFPB response from PayPal stated the case was closed against me. 

On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in XXXX separate refund transactions : {$25.00} and {$190.00}. On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received XXXX refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. PayPal 's Dispute ID : XXXX I attempted contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour and was ultimately unable to resolve the issue. Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
I have contacted Experian in regards to two bankruptcies and a medical collection that are unauthorized unverified and or inaccurate. I reported these items in XXXX and followed it up here with a complaint to the cfpb. on XX/XX/23, it is now XX/XX/23 and they have not removed the items or responded here and is way passed the days in which to respond to the complaint and or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Recently received my card, made some purchases for my XXXX XXXX XXXX XXXX. Received an email that my statement is ready, clicked on the link and attempted to login, said my password was wrong, I tried to reset it and login, no go. After a co8ple of tries it stated my account was locked. I clear my cache and cookiesx and tried again, nothing. I tried another browser, another computer, still the same thing. I called their " customer support '' and the only thing they managed to do was send my XXXX XXXX into XXXX XXXX XXXX  while " XXXX  '' me stating that my account was not locked!!! 

HOW CAN I PAY MY BILL IF I CAN NOT ACCESS THE SITE? 

I also mentioned that I am an American living with XXXX and asked for an agent with XXXX training, and was just met with silence. 

I thought this was a legitimate bank, the discrimination and rudeness I experienced is unacceptable and now they are going to claim I didn't pay and make me out to be a deadbeat when I can't even login?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions.

Thank you for your immediate attention to this serious issue.

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 2023-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On 2 Seperate occations over the last 4 Month I have requested that equifax fix all late payments tha are showing on XXXX as these have never been paid late. I never even got a response at all to the last letter I sent Certified mail on XX/XX/10.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have contacted Convergent Outsourcing multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Convergent Outsourcing {$770.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above. Any computer generated bill such as an XXXX bill is unacceptable.

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 2023-06-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

CREDIT COLLECTION SERV - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Great Lakes sold my student loans to Nelnet. I have asked Nelnet to validate my debt with a validation of debt letter that was mailed around XX/XX/23. They responded email on XX/XX/23 that they would validate the debt within 30 days threw the mail. No letter was received 30 days later and have since not validated my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
Transunion is breaking the law. Transunion must provide documentary evidence that proves that XXXX XXXX XXXX received permission to release information to you. 

Under Consumer Protection Credit Act & Fair Credit Reporting Act I reserve the right to protect the privacy of my personal information from all third party reporting agencies.

Transunion is in violation of 15 United States Code 1681b. Permissible purpose of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other, ( 2 ) in accordance with the instructions of the consumer written instructions You and XXXX XXXX XXXX, have no permissible purpose by law to report my non-public personal information to my consumer report. Transunion never received written instructions from me to report such information. This company has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX XXXX Agent of Transunion received my letter on XX/XX/XXXX and is WILLFULLY and KNOWINGLY reporting this information on my consumer report without my consent. This is my last and final attempt to give Transunion a chance to correct this matter before i proceed with litigation.

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 2023-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX filed first complaint and dispute of misinformation on my report. My report hasn't been updated from two closed accounts that were settled. Also, misinformation is displayed on my account regarding a collector for a collection that was included in my XXXX Bankruptcy filing. 

The responses received only stated that the issues were still being investigated after 60 days has gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma, LLC
State: NC

Complaint narrative:
After an in depth financial review at XXXX XXXX XXXX I found out that since XX/XX/2020, Credit Karma has been charging me $ XXXX {$250.00} twice monthly, totaling {$11000.00}. 
Credit Karma issued XXXX refunds totaling {$4000.00} back in XXXX, leaving me paying {$7700.00}. Ive attached a picture of the charges by date, amount and confirmation number. 

This is a service that shouldve been free according to my accountant. 

Credit Karmas own records will demonstrate that I have never accessed this account except to figure out why I was being charged these fees and to close the account. The company also doesnt have a phone number or email address to request refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: KS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: GA

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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
Unauthorized charges on the credit card. when i made discover aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and discover has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. Discover will not provide or allow me access to my account to provide any supporting evidence or documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent in letters to Experian about incorrect information on my credit report. I sent the documents certified mail. I received a letter from the XX/XX/23 that stated they would not go forward with my investigation because they didn't think it was me that authorized the letters. I called the Experian on XX/XX/23 and told them I have full knowledge of the letters because I sent them in and I want to go forward with the investigation. I waited a couple of days and called them back XX/XX/23. They told me that they had not received my documents. I told them I sent the letters in certified and I could verify the letters were delivered. The representee then told me she still could not find my information and that I had gotten the response from them in the mail because they didn't think I sent the letters in but also told me because I received that response from them that any information or documents I sent mail was discarded. Wow had me in and uproar, certified mail is expensive. She then gave me information to an upload portal { www.experianXXXX XXXX and had me upload my letters again. I was so frustrated because I knew they received the letters. I called today XX/XX/23 to check the status of my investigation. Before I got to speak with the representative XXXX I was hung up on three different times. XXXX then told me the original documents that I sent in certified mail were there from the beginning and she didn't know why the former rep would tell me otherwise and also told me that the investigation has not been started yet. As a consumer I'm so disappointed in how Experian is handling my investigation. I am considering getting my attorney involved.

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 2023-06-13 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:
The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

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 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 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 2023-06-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX  XXXX XXXX Balance : {$1200.00}

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