vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: VA

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX CO : XXXX, XXXX XXXX XXXX : 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 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: UnBanked
State: AZ

Complaint narrative:
XXXX XXXX  ran a debit card called Unbanked ( unbanked.com ), which claimed to be a SEC-regulated platform that bridges traditional banks with crypto. 

However, their debit card in the US has ceased to exist. It doesn't work! Now, instead of giving people a refund on the balance they have on their debit cards, Unbanked/XXXX is charging a 2 % fee to withdraw this asset.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal, I am writing to submit a formal complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX I believe that this limitation has been placed in error, as I have not violated any of PayPal 's policies. 

I respectfully request that you re-investigate my case and restore my account if possible. I understand that PayPal has strict policies in place to protect the security of its users and prevent fraudulent activity, but I can assure you that I have not engaged in any such activity. 

I have been a loyal PayPal user for several years, and I rely on the platform for both personal and business transactions. The loss of my account has caused significant inconvenience and financial hardship, and I would greatly appreciate the opportunity to have my account reinstated. 

I understand that this process may take time and that PayPal has a thorough investigation process to ensure the safety and security of all its users. However, I would like to request that you expedite this process as much as possible, as the limitation has already caused significant disruption to my daily life and financial activities. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} and written off balance of XXXX on XXXX and Transunion just show written off as bad debt XXXX Apps, opened XX/XX/XXXX the account also reflects multiple balance with is incomplete inconsistent and inaccurate This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately Transunion shows no payment history within the last 24 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Accounts first delinquency date is XX/XX/XXXX. 
Account was to be removed on XX/XX/XXXX according to Experian report as well as the customer service representative I spoke with in XX/XX/XXXX. Now account removal date has been removed the date of first delinquency is still listed as XX/XX/XXXX but the historical column show date of first delinquency as XX/XX/XXXX. Wen I called Experian back on XX/XX/XXXX to inquire about this and request the account be removed in accordance with the reporting rules and the statement of the Experian representative in XXXX, the representative said that the account will now be removed in XXXX of XXXX because the first date of delinquency is XXXX of XXXX which is factually incorrect. The date of first delinquency clearly is and is listed listed as XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was told by a friend that you helped that has a similar situation. I was convicted of aiding and abetting my parents loans. Yet the court ordered restitution against only me. Approximately $ XXXX between Chase Bank and XXXX XXXX  XXXX Yet under XXXX. It clearly states that unless they were the direct or proximate victim. They are not entitled to a windfall. Given that XXXX was awarded XXXX assets for less than a XXXX on the dollar. Yet they already made over a XXXX dollars on the loans in question. This is a case that went to the Supreme Court, Robers v. US. I have the same problem with a minor loan that was with XXXX XXXX, taken over by XXXX XXXX. I have argued this on my XXXX XXXX. Yet the court refused to rule on this. So my friend said that you helped him on a similar problem and suggested I contact you. I would be very happy if you could be of help, as this burden is keeping me from moving on with my life. I have finished my sentence and was released. Sadly my XXXX XXXX XXXX attorney failed to ask for a forensic analysis to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
I am writing to follow up on a letter that I sent to Experian on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I use Cashapp to make my purchases for XXXX grocery delivery. I load the funds that I am going to use on my card, make the purchase, make sure the funds were withdrawn and then lock my card. I was double charged for 4 orders back from XXXX and XXXX the other day. I 100 % know I was charged the day of the purchase. I contacted Cashapp and they told me there was a technical error where the funds were not received or processed so they money was taken out later. I know that was not the case and I have been double charged and XXXX confirmed it. Cashapp denied my dispute claims and will not help me. The charges are : XX/XX/XXXX {$23.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$39.00} They can not provide me with any kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} and written off balance of XXXX on Experian and XXXX just show written off as bad debt XXXX  Apps, opened XX/XX/XXXX the account also reflects multiple balance with is incomplete inconsistent and inaccurate This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately XXXX shows no payment history within the last 24 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I applied to Bethpage credit union for a line of credit. I could not get into sign documents. I emailed them 3 times about this. No reply. So I never signed the documents, yet they somehow checked my credit report, with no written authorization. We could not come to an agreement on a payoff item. So I ended up canceling my request. They wanted me to pay at at closing an unsecured loan that was at least 2.5 point lower then their rate, and would not substitute payments to Higher rate credit cards. no I worry that they would say denied when it was I who cancelled. And how do you check credit, which was good anyway, before you get authorization. I found their behavior very unprofessional. people should be aware of how they operate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose.

Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for several years, and I have always abided by the terms and conditions outlined by PayPal. I have never engaged in any suspicious or fraudulent activities, nor have I ever violated any of PayPal 's policies. 

Therefore, I was shocked and dismayed to receive notice that my account had been permanently limited. I strongly believe that this limitation has been placed by error and I would like to ask PayPal to re-investigate my case. 

I respectfully request that PayPal takes a closer look at my account and any associated transactions to verify that I have not violated any policies. I am confident that upon review, you will find that I have acted in good faith and that there has been no wrongdoing on my part. 

Furthermore, I would like to kindly request that if PayPal finds no evidence of any wrongdoing, that my account be reinstated as soon as possible. I rely on my PayPal account for my day-to-day transactions and it is important for me to be able to use it without any restrictions. 

Thank you for taking the time to review my case. I hope that PayPal will reconsider the limitation that has been placed on my account and that I will be able to continue to use my PayPal account without any further issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We tried to refinance our home and also tried to get a HELOC and were denied.

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