vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Early Warning Services, LLC
State: TX

Complaint narrative:
My phone was stolen, and I promptly filed a police report regarding my stolen belongings. After obtaining a new phone, I attempted to access my Zelle account but was unable to do so. 

I contacted both my bank and Zelle to resolve the issue, but I was not provided with any explanation for why my account had been suspended. Instead, I was repeatedly redirected between my bank and Zelle without receiving any clear answers or solutions. 

This lack of communication and accountability has caused significant frustration and inconvenience, especially since I rely on Zelle for essential financial transactions. I am seeking immediate assistance in reinstating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party 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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had filled a claim for a a dispute on a transaction, the transactions was fraud, they keep telling me it was my fault but my phone service was hacked where they hacked my cards and apple wallet and made an international purchase but my bank keeps telling me its my fault but I never made these transactions, and now I have to pay back money that they took and wont give back.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I'm refiling a complaint against my personal bank, PNC for 2 provisional credit reversals of {$500.00} totaling {$1000.00}. Their reason for denying my dispute is because of miscommunication with the " language '' of the dispute ... ..? Honestly, I'm really XXXX  with their response. As a consumer, I provided all of the necessary documents in a timely matter to ensure that I would be in compliance with my Account Agreement. Unfortunately for me, PNC was not in compliance with the Account Agreement in regards to my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Subject : Complaint Regarding Fraudulent Transactions and Lack of Support from PayPal and XXXX I am filing this complaint regarding a series of fraudulent transactions that occurred through PayPal, involving significant financial losses and a lack of support from both PayPal and XXXX. 

What Happened : Between XX/XX/year> and XX/XX/year>, I sent a total of {$6000.00} through XXXX and PayPal to a XXXX  acquaintance ( {$1500.00} through XXXX and {$4500.00} through PayPal ). These payments were made using XXXX and using PayPal 's " Friends and Family '' payment option, as I was misled by the recipient to believe it was necessary for the transaction. Shortly after, I realized I had been scammed and began the process of seeking resolution. As the scammer who went by the name " XXXX XXXX, '' would send me checks just for them to get bounced Actions I Took : PayPal : I contacted PayPal on XX/XX/year> to report the fraudulent activity. 
Initially, I was told to speak with a manager for resolution, but despite multiple follow-ups, no manager returned my calls. 
Ultimately, a PayPal representative informed me that because I used the " Friends and Family '' option, they would not assist with reversing the charges or investigating the fraud. 

XXXX : On XX/XX/year>, I contacted XXXX to dispute the charges made on my XXXX credit card through PayPal. 
XXXX informed me that they adhere to XXXX terms and policies, meaning they could not help due to the " Friends and Family '' nature of the transactions. 
I was directed to file a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, which I submitted on XX/XX/year>. 

Impact on Me : I am currently being charged interest by XXXX on the disputed PayPal transactions because the dispute is not considered " under review. '' The total amount lost is {$6000.00}, which has caused significant financial stress. 
The time and effort I have spent contacting both PayPal and XXXX have yielded no support or clear solutions, leaving me feeling abandoned by both companies. 

Why I Need Help : As a consumer, I feel that both PayPal and XXXX have failed to protect me from fraudulent activity and left me with no recourse. I trusted these platforms to provide secure financial services, and I am now at a significant financial disadvantage due to their refusal to take accountability. 

Thank you for your attention to this matter. I look forward to hearing back about a resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC

Complaint narrative:
On XX/XX/year>, I was served by the XXXX XXXX XXXX, on behalf of : Harpeth Financial Services , LLC 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 Plus reasonable Attorney/ court costs/ and process service fees, and post Judgment Interest. 
The initial Court date was scheduled for XX/XX/year>. I was present for the Court date and verbally accepted the debt and ADVISED the Court Appointed Attorney, I was prepared to Tender Payment and settle the matter of the PRINCIPALS Balance in question. Seemingly my language and dialogue surprised the Court Appointed Attorney, therefore I advised the Court Appointed Attorney that I would contact the Financial Institution directly ; and thus, a Second Court date was scheduled for XX/XX/year>. 
In my Capacity to Contract on behalf of the XXXX, I delivered via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX a packet to both Harpeth Financial Services , LLC XXXX and The XXXX  XXXX XXXX XXXX included : An Endorsed Contract A Tender of Payment, and A Durable POA Records indicate the package was received on XX/XX/year> XXXX. After not receiving any correspondence, I assumed the debt was discharged per the Instructions given in the Tender of Payment. Nonetheless, I was present for the Second Court date on XX/XX/year> with the expectation that I met and fulfilled my Contractual Obligations, and properly satisfied and Discharged the Principals Balance. However, with no response and/or correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Court proceeded on with a Judgment being granted. I attempted to exercise my Basic Consumer Rights ( Right to be Heard and the Right to Redress ) by educating the Court Appointed Attorney, that I Tendered Payment and able and willing to provide a Tracking number for verification.The terminology and language of my conversation appeared to be beyond his comprehension. Combined with my lack of familiarity with the General Court procedure, commingled with the Court Appointed Attorneys " Run of the Mill '' disposition and behavior. To avoid any verbal exchange and maintain a level of Professionalism, I Acquiesced. Thus, leading me to sign Under Duress In Summation : Violation of Basic Consumer Rights Discrimination ( AGE ) -Treated as a MINOR when I exhibited the CAPACITY TO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint and an investigation is taking place has not reflected the updated profile or change to my report. The dated account is under investigation and I need my report to reflect that. Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing XXXX XXXX XXXX XXXX XXXX  which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account. discover has since been placed back onto my report, without an complete investigation. I was notified once and then didn't hear further communication since that date. 


I can submit any documents or questions that may be asked regarding this account. please help me get understand and verify this account as needed. I'm asking for another investigation as this seems to be a revolving issues regarding 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint and an investigation is taking place has not reflected the updated profile or change to my report. The dated account is under investigation and I need my report to reflect that. Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing XXXX XXXX XXXX XXXX XXXXXXXX  which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account. XXXX has since been placed back onto my report, without an complete investigation. I was notified once and then didn't hear further communication since that date.

I can submit any documents or questions that may be asked regarding this account. please help me get understand and verify this account as needed. I'm asking for another investigation as this seems to be a revolving issues regarding 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
15 USC 1681. My information was exposed due to the recent hacks. Please removed all negative accounts together with all delinquent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XX/XX/year> Professional credit management , INC XXXX XXXX XXXX XXXX, Ar XXXX Dear To whom this may concern, I am writing to dispute the debt referenced as XXXX. I recently received communication regarding this debt, which included an itemized receipt. However, I did not receive a copy of the original contract that verifies my agreement to the terms and conditions of this alleged obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I am requesting that you provide a copy of the original contract that bears my signature. This document is necessary for me to verify the legitimacy of this debt. Without such documentation, I am unable to ascertain the accuracy or validity of the claim. 

Please note that this letter serves as a formal dispute of the debt, and I am requesting validation of the debt in accordance with federal law. Until this validation is provided, I expect the matter to remain unresolved, and I request that no further collection activity be pursued. 

If you are unable to provide the original contract within 30 days of receipt of this letter, I kindly ask that you cease collection efforts and remove the debt from your records. 

Thank you for your immediate attention to this matter. Please respond to my request in writing at the address provided above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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