vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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:
In accordance with fair credit reporting act has violated my rights. 

XXXX XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Lease Term Solutions Unverified Account 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX sent a letter addressed to me. It says I owed on a PayPal account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022. 

This is NOT my PayPal account, nor did I have a purchase of this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: AL

Complaint narrative:
I have filed several disputes with the transunion and XXXX  about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and Transunion by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: AL

Complaint narrative:
I have filed several disputes with the XXXX  and experian about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted Experian and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: KY

Complaint narrative:
My wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 

15 U.S.C 1618 s-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 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has be reordering my transaction in order to accrue more overdraft fees on multiple dates. After raising the issue with them, they stated it was because of the clearing date but the transactions are not even chronological order. I have attached photos of the dates of the transactions and screenshots my bank account showing the order doesnt match. I will include their proper order below. In addition, another occurrence an incorrect overdraft put a hold on my account putting it negative resulting in multiple overdraft fees. The original fee was refunded but the hold putting my account negative remained. 

In the first case on XX/XX/XXXX, they reordered transaction including a loan deposit ( not a wire, the loan company said it is a direct deposit and takes 24-48hrs tops ) in order to obtain fees. On XX/XX/XXXX I was charged an overdraft fee that was refunded and put a hold on my account making it appear negative when it wasn't. The correct order of the transaction is XXXX XXXX  was made XX/XX/XXXX ( attached ) and the XXXX XXXX loan was issued the XX/XX/XXXX and should have cleared XX/XX/XXXX resulting in a positive balance. In addition the order of the transactions is XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, then XXXX XXXX ( in less than 24 hrs from the XXXX XXXX which would not result in a overdrsft. But the loan was not accepted until XX/XX/XXXX at which another automatic payment came out on XX/XX/XXXX resulting in a third overdraft fee. I've attached all bills and the loan deposit receipt showing the payment date which matches the deposit date. It also shows that the loan owner says it should be 1-2 days tops. I called the loan company and they said it was cleared on their side and showed deposited. The bank however held it. In addition, to saying my account was negative for " hold '' for a overdraft fee that was refunded. 

The second occurrence was the weekend of XX/XX/XXXX. The transactions correct order is XX/XX/XXXX XXXX, after-party XX/XX/XXXX and then XXXX  XX/XX/XXXX. I have attached the bills to verify this. The transactions were reordered in order to charge fees and a " hold '' was put on funds for transactions that occurred before the payment even ordered. I was also told my an additional {$36.00} fee or more depending on the interpretation of the account. You can see from rhe screenshots they've notated tons of transactions that the account was negative because a transaction that occurred after the transactions being called negative. I've attached everything I can to prove these. This is the just most recent incidence of transaction reordering to obtain more overdraft fees from me as a long time customer and state employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
In accordance with the Fair Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX. No account number given. On XX/XX/2021 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 without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
I literally just had to deal with this same problem!! About a month and a half ago Venmo decided to freeze my acct for reasons they could not tell me. Finally yesterday I get a phone call that venmo had NO evidence on why they froze my account. So they reopened it with my money still in it. Ok good right, NO! My thing was u was going to transfer my money onto something else that I've never had problems with while I had it. And that for over 2 years. Ok well I go to the app try to transfer my money and it tells me I can't and my account is frozen again!!!! I called venmo customer service and speak directly to a supervisor. I explained the whole situation how they froze it before and they reopened it because I didn't do anything wrong. And explained exactly what I was doing and how it froze my account again and it was like she didn't even care. Excuse my language no XXXX given. I explained how there is no way I can go any longer with NO money when I'm a single mother of XXXX. I explained how I just wanted to get my money off so I can close the account because of that issue. Response was she couldn't tell me anything and I would have to speak to the analysis specialist because they are the ones who handle that. I then asked for a phone number to speak with someone. Then told they do not have a phone number that I would have to speak to them via email. So I have to email someone to get my situation fixed via email but I have to wait for them to respond whenever they feel like it??? No way, I refuse to sit here again and let them do this for the 2nd time back to back. This company is a fraud and so unorganized I want out. I want my money right now. I do not want to wait. I have all the proof of everything and for this to happen a 2nd time I'm on the verge to find out if I can sue them for this and their process of business and their lack of anything to help someone. All I want is.my money off the card so that I can close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are 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 2022-04-27 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

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  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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