vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The purpose of this complaint was to bring to your attention the fact that Bank of America has been behaving inappropriately toward me as their customer. It was made clear that I was the victim of fraud, which resulted in me losing a large amount of my hard earned savings in the amount of XXXXXXXX XXXX 

The main reason I continue to insist on due process in my case is because I understand that Bank of America has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. The only thing they do in fraud cases is to deliberately exploit a gap in current regulations in order not to admit their mistakes and negligence, which cost their customers a lot of money.

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 2023-05-02 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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 appeal the permanent limitation on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed by mistake, and I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any fraudulent activity. I have been a loyal and honest PayPal customer for many years, and I have always strived to comply with all of your policies and regulations. 

Secondly, I was taken aback when I received the notification that my account had been permanently limited. I have reviewed my account activity and can not identify any reason for such action. Therefore, I kindly request that you provide me with specific details on the reason for the limitation, as well as the evidence that was used to justify this decision. 

Thirdly, I understand that PayPal takes compliance with its policies very seriously, and I share this commitment to ensuring the integrity of the platform. However, I respectfully request that you consider my appeal and provide me with an opportunity to resolve any issues or misunderstandings that may have led to this limitation.

Finally, I would like to express my sincere hope that we can resolve this matter quickly and amicably. I value my relationship with PayPal, and I would be grateful for any assistance you can provide in resolving this issue. 

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 2023-05-02 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: LA

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

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: OH

Complaint narrative:
I have complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with 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 explanation
Consumer complaint received 2023-05-02 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: NY

Complaint narrative:
Experian is not removing the inserted theft off my credit report

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 2023-05-02 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company 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 2023-05-02 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:
XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a checking account with Bamk of America and last night they decided to completely shut my account down with no warning. 
I have bills to pay and I am receiving my IRS refund on this account. Also. The money i had in the account will be mailed in 5 to 7 days. 
Please help 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 explanation
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
On XX/XX/23, Experian was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XXXX I asked Experian to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information including the name XXXX XXXX XXXX that is listed on the report ( see attached ). I have provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring 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 explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: South River Mortgage, LLC
State: FL

Complaint narrative:
We went through South River Mortgage for a Reverse Mortgage, we were dealing with XXXX XXXX his phone # is XXXX. It took a year to get through this and we mainly went for the Loan so that we can get out of debt and to fix up our house. Well when it came to closing they rushed us through the signing. We were told to get Air Conditioner done and also to paint the house, that was suppose to be paid at the closing. The paper work even said if they asked you to fix something that it was suppose to be paid at closing and they did not pay, I am paying payments to the Air condition Company, and trying to pay the painters off. The Air Conditioner owner was very angry also and would talk to XXXX and he kept telling him we were closing soon and that he would get paid, then towards the end he wouldn't even answer his calls, we need a new roof, new electric Box, then repairs in the home, We received {$2800.00} I had to get the rest of the money to make it {$3000.00} down to start paying off the air conditioner man and we have to pay him {$500.00} a month, we shouldn't have to pay anything, I tried calling XXXX so many times and he would not answer the phone, it went from South River Mortgage to Open Mortgage to XXXX, we didn't know what was going on, very confusing, we have money in Escrow and they told me I would get money next year now XXXX says I'm not getting any money, so what is the purpose of us doing this if we have to pay for everything our self 's. Please help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NY

Complaint narrative:
Dear PayPal Customer Support, I am writing to appeal the permanent limitation that was placed on my PayPal account with the email address XXXX. I believe that this decision was made in error, and I have not violated any of PayPal 's policies. 

Firstly, I would like to emphasize that I have been a loyal PayPal user for several years and have always complied with the terms and conditions set forth by the company. I am confident that I have not engaged in any activity that would warrant a permanent limitation of my account. 

I believe that there XXXX have been a mistake in the review process, leading to the permanent limitation of my account. I would like to request that PayPal re-investigate my case and consider restoring my account, as I believe this action was taken unjustly. 

As a PayPal user, I understand the importance of adhering to PayPal 's policies and regulations. I have always taken this responsibility seriously and would like the opportunity to continue using PayPal to conduct my financial transactions. 

I appreciate your attention to this matter and respectfully request that you review my case with utmost care. If there is any further information that I can provide to assist in this process, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to Bull City Financial Solutions. Bull City has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds Yours very truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently reviewed my TransUnion credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 

TransUnion has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ).

I am writing to you to ensure TransUnion update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for TransUnions negligence to comply with duties imposed by the FCRA willful noncompliance. 

Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent.

Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information.

In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 

There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-05-02 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: GA

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

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
They were asking for closing cost even before I found the house. I was just trying to get a pre approval

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