vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/2024 my Paypal account got hacked and it happened about XXXX minutes before Paypal closed. I called and someone unsuccessfully tried to help me secure my account. I got locked out of my account and had to call again on XX/XX/2024 and the person on that called said that the person did it wrong. She filed a dispute about the unauthorized transactions. I never heard anything back and she said I should see my money back in 10 days. I never seen any of my money. I called today on XX/XX/2024 and they pretty much said that the person on the XX/XX/XXXX also filed the dispute wrong and it is too late for the dispute. My account shows that on XX/XX/2024 someone by the name of " XXXX XXXX '' was sent {$1.00} and {$100.00}. I do not know this person and I never sent it. PayPal refuses to help me get this money back. Also, shows that on XX/XX/2024 that there were unauthorized transactions to a company called " XXXX '' for two transactions of {$1.00} and {$58.00}. Customer service put a dispute against this transaction when I stated that I was responsible for transferring the money, which I wasn't there were clear emails when the hacker changed my email and phone number, twice. The first time I called Paypal the hackers were in my account trying to drain it. Customer service failed to secure my account. When I called them again customer service failed to report of the correct fraud activity making it look like it wasn't fraud I am missing {$160.00} that I have no guarantee to ever see back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CITIZENS BANCSHARES, INC.
State: PA

Complaint narrative:
I had taken out a loan for a two behind equipment trailer. At the time of the loan I was told ( over the phone ) I would be billed XXXX XXXX for insurance. I told them I already had insurance and they ( XXXX ) told me to just email him the insurance card and he would remove it. I emailed him the same or next day and he even responded acknowledging the receipt of the document. Because this was a paperless automatic bank transfer loan I never really know what all the chargers were. For 20 months they billed me the additional {$39.00} per month until I realized it was for insurance. I made them aware and they had me resend the information. They are now only crediting me with 6 months of reimbursement rather than the full 20 months I was over changed. I had given them ALL of the information they needed but they are refusing the reimbursement of the remaining amount and have actually only refund a partial amount of the 6 months as promised. They refunded {$190.00} of the {$230.00} they said they would refund. So they still owe me a total of {$600.00}. 

They are claiming that the contract states 6 months and I agreed to the contract. My argument is I obviously ( proof by sending the agent the info he told me to and him acknowledging it ) thought that in sending him the information he told me to is that the insurance charge would be removed as that is what he stated would happen. I was told one thing and another happened. Bait and switch so that they can sell more insurance policies and get even more money out of the consumer. 

Attached is additional evidence has been found from XXXX stating that, on XX/XX/XXXX, the amount that they would be drawing via ETF was correct at $ XXXX. At some point they changed it without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to obtain my credit scores from XXXX or XXXX but Equifax have an internal block on my personal information, resulting in me not being able to obtain either reports or scores from third party. XXXX is a representative I'd just talk to and she said the only way for them to remove the block is for me to send the ID and ssn card, which I have sent twice and now they are lost somewhere because Equifax never received them. Equifax don't have any other way for me to submit the information requested. I have uploaded my ID and ssn card to myequifax.com to no avail, im out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> Subject : Request for Immediate Removal of Erroneous Account from TransUnion Credit File. A copy of the judgment is attached, indicating that the case was dismissed without prejudice. I DONT OWE! 
Transunion File Number : XXXX Dear CFPB Representative 's, I am writing to request the immediate removal of XXXX XXXX XXXX  account XXXX, in the amount of {$14000.00}, from my TransUnion credit file. Enclosed with this correspondence is a copy of the order and consent, clearly indicating that I have no obligation to XXXX XXXX XXXX XXXX, trading as XXXX XXXX XXXX, and therefore, no outstanding debt to this entity. The attached judgment confirms that the case was dismissed without prejudice. 
The case in question, number XXXX, was resolved on XX/XX/year>, by The XXXX XXXXXXXX XXXX, a XXXX XXXX judge for XXXX XXXX. The Consent Judgment verifies that no amount was imposed on me by XXXX XXXX XXXX XXXX. Consequently, there is no valid reason for this account to persist on my credit report. 
( b ) Disputed debts READ : If the consumer notifies the debt collector in writing within the XXXX days described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I kindly request that you conduct a thorough investigation into this matter and promptly delete the aforementioned account from my TransUnion credit file. This information is part of the public record and readily accessible, confirming that I do not owe any debt to 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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-16 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: AR

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 U.S.C. 1681. 
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 15 U.S.C 1681 602 A states that I have the right to privacy. 
15 U.S.C. 1681 604 ( a ) ( XXXX ) It also stats that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 C ( a ) ( XXXX ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 2 ( A ) ( XXXX ) 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 2024-04-16 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: Experian Information Solutions Inc.
State: AR

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 U.S.C. 1681. 
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 15 U.S.C 1681 602 A states that I have the right to privacy. 
15 U.S.C. 1681 604 ( a ) ( XXXX ) It also stats that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 C ( a ) ( XXXX ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed this inaccurate incorrect accounts on XX/XX/2024, despite my efforts to get these violations corrected the companies has continue to disregard my complaints. According to the FCRA 15 USC 1681 E ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These companies are in direct violation.

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 2024-04-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING [ 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, If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681e ( b ) - Accuracy of report 15 U.S. Code 1681a ( XXXX ) -Definitions XXXX rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to XXXX of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.

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 2024-04-16 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: ME

Complaint narrative:
I am filing this dispute against a credit reporting company. I've been trying to dispute XXXX large accounts that are on my credit report that are not mine. I've tried to dispute online, It doesn't allow me. I mailed in the dispute and they haven't done it. I called to do the dispute, they do it through text on your phone. They're rude they lie to you and they just don't help you at all. So I feel that I need to do this dispute with you to make them comply because I've done everything I can. These XXXX accounts are ruining my credit, they're not even mine. I am homeless I can not get an apartment, because of my credit score. I definitely need help. I do have the copies of the text and the paperwork I mailed in. I can prove that they're not my accounts Please help me to get this credit recording company to remove these 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 2024-04-16 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: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving 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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX I reviewed my credit report and noticed this collection reporting inaccurate information on my credit profile which is a violation of my consumer rights. 

XXXX XXXX XXXX is reporting XXXX  days late payment. How is this possible when I've never entered into a payment agreement or contractual agreement with them, furthermore, reporting the payment status as XXXX  days late when by default collections are past due. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been married to XXXX XXXX since XXXX. I came to the XXXX in XXXX and faced extreme XXXX XXXX XXXX XXXX  abuse by my husband. He used my information without my permission and took out many credit cards and also took a car loan. He left me in XX/XX/XXXX and stopped paying for any of the cards. 
XXXXXXXX XXXX  Took out in XXXX XXXX XXXX XXXX XXXX XXXX  bank>Took out in XXXX XXXX XXXX XXXX. XXXX Credit card? Took out in XXXX XXXX XXXX US Bank loan for car? Took out XXXX? Loan number XXXX He used to force me to deposit my paycheck in a joint account and used the money for making minimum payments.

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 2024-04-16 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: GA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I bought 2 XXXX XXXX pre paid debit cards. Each for {$150.00}, total XXXX dollars from my local XXXX. I have tried one of those cards. I went to XXXX XXXX as listed on my card. checked on that card. Input pin #. Site stated the card was active and had a balance of {$150.00}. Tried to use it unable. Waited more than 24 hrs. Tried again still unable. Today I Went to the site again and it shows a transaction on XX/XX/XXXX for {$150.00} which I did not do. Balance of {$0.00}. I went to check the balance of the 2nd card and after putting in the card info the site the site stated it was not working to come back later. I expect I have lost all {$300.00}. 
Customer service on the card is just automatic response unable to contact a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Currently have XXXX active personal loans with Pentagon Federal Credit Union, I call to make payments over the phone. 

Call center representatives of the creditor have repeatedly provided me with incorrect due dates for payments that are weeks or months in the future, leaving me to believe my account will remain in good standing and will not accrue any late fees. 

Pentagon Federal Credit Union has repeatedly charged me late fees, reported my account as late to the credit boroughs and will not respond to repeated emails, letters or inquires concerning the matter. 

Customer associates have also failed to fully process payments and have admitted to their mistakes. 


The most recent payment on XX/XX/year> a call center representative informed me that my accounts Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is obviously inaccurate information, I would like the creditor to refund late fees charged to my account and reverse late payments. 

Funds were drafted from my banking account as payments yet fees are still charged and account are still reported as late.

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