vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XX/XX/2024 I requested two separate transfers, one for {$940.00} ( Attachment " Paypal1.pdf '' ) and one for {$1200.00} ( Attachment " Paypal2.pdf '' ) from my Paypal account to my XXXX XXXX  account, and the transfers were completed, according to the above attachments, on XXXX XX/XX/2024, further confirmed by my online bank history ( Attachment " XXXX '' ). 

As you will see on the attached online bank history ( Attachment " Paypal3.pdf '' ), on XXXX XX/XX/2024 the above-referenced transfers were " reversed '' by Paypal and those funds are now missing from my account. I called XXXX XXXX  and the representative I spoke with indicated that the transfer was " reversed '' or " cancelled '' by the merchant, Paypal. 

I have unsuccessfully attempted numerous times to reach a live person to speak with at Paypal and I have only been able to " chat '' with different representatives who tell me there is no record of the transaction being reversed or cancelled and that Paypal does not have my funds. The last statement I have from Paypal, 5 days after their reversal or cancelation, indicates, " XXXX XXXX. Your conversation is now escalated to XXXX Desk and my name is XXXX. Upon checking your account, I can see that we have requested that the funds be returned. This does not guarantee that the funds will be returned by the bank. If the request is successful ( if funds removed from your bank account ), the transaction will be reversed, and the funds will be made available in your PayPal balance in XXXX  days at the earliest. I really appreciate your patience and understanding in this matter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: MA

Complaint narrative:
In XX/XX/2022 I took out a credit builder loan with money Lion. I then became jobless and couldn't keep up with payments and the loan was sent to collections. I had tried to resume payments before then but the app was glitching and telling me the loan was paid off. Once in collections, I keep getting dings on my credit report ( including one in XXXX of this year ) saying I'm 30 days late on a payment. How can I be 30 days late on a loan that will not allow me to pay and is showing as paid off? I tried contacting customer service but they were absolutely no help and basically told me I needed to pay the loan ( that has already gone to collections ) without giving me a physical option to do that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AL

Complaint narrative:
The Credit Bureaus are determined to keep me from my high credit scores. In Particular Experian. On XX/XX/year> Experian took XXXX points off my credit score which was at XXXX at the time. I contested it and exchanged emails with them multiple times but they would not explain why they took off the points. Then on XX/XX/year> they took off XXXX points off my score and said it was because of a collection account. I disputed it and then aske CFPB for help. A few days later they took the collections account off my record and restored the XXXX points. Then they also gave me back my XXXX points on about XX/XX/year>. This took me back to my original score of XXXX. Then just a few moments agon, today on XX/XX/year> they have taken XXXX points back off my score again without providing any reasons except a note that states " Scores Change. '' I have not done anything negative to cause this! No negative items have been added to my credit file. They are just determined to beat down my high score which I have fought so hard for and sacrificed so much for. Can you please help me to put a stop to them just taking points from my score with providing a reasonable explanation? Surely there should be some law that prevents Experian from doing this??? I need your help.

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 2024-03-13 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:
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 : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights XXXX Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I had received a email from XXXX XXXX that my credit score has changed and when I went to check it dropped quite a bit from where I was at. I searched to see what the issue was and I seen that Jefferson Capital Systems has put a collections on my account for {$2900.00} and some change, from where? I have no clue at all. I don't recall me owing that kind of money to anybody. No information has been sent at all, somehow they have my social security number but when I went on their website to try and see what mess this is, there isn't even an account when I look it up with my last name, lat 4 of my social and my phone number, but when I call the automated system and I put in my full SSN, that is when the amount of {$2900.00} was said. No customer service, no actual line to speak to someone... nothing. This " company '' has poor reviews of doing the same thing to other people pulling debt from years ago making it into a collections account as of present day which is highly illegal. I have no clue what this debt is for, I tried to reach out 5 times and nothing yet. I can't buy my new house or car yet thanks to this lovely " debt collector ''. I want this collection removed ASAP! or I will sue if I don't get answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: MI

Complaint narrative:
Im writing this letter to inform all credit bureau, transition, XXXX, XXXX to update the follow account on my credit report known as XXXX XXXX open on XX/XX/2021 the balance of XXXX is incorrect, this account is paid in full as agreed and remains in good standing with lender which I have spoken to lender to provide the verification letter stating this account is pay & full as agreed in closed at a XXXX balence, of excellent payment history on my credit report, which they had stated they will provide this letter and update the account but still hasnt provide the letter or updated the account status. please update this account immediately to its correct balance which is XXXX, pay in full as agreed account on my credit report. If not immediately changed is a direct violation of 15 USC 1681 under my FCRA rights, if this inconvenience is not corrected can cause damages to my credit report or call cast judgement on my credit worthiness with future lenders, if information is not update correctly showing its paid in full and good payment history, please correct and update status 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im writing this letter to inform all credit bureau, XXXX XXXX, Experian to update the follow account on my credit report known as XXXX XXXX open on XX/XX/2021 the balance of XXXX is incorrect, this account is paid in full as agreed and remains in good standing with lender which I have spoken to lender to provide the verification letter stating this account is pay & full as agreed in closed at a XXXX balence, of excellent payment history on my credit report, which they had stated they will provide this letter and update the account but still hasnt provide the letter or updated the account status. please update this account immediately to its correct balance which is XXXX, pay in full as agreed account on my credit report. If not immediately changed is a direct violation of 15 USC 1681 under my FCRA rights, if this inconvenience is not corrected can cause damages to my credit report or call cast judgement on my credit worthiness with future lenders, if information is not update correctly showing its paid in full and good payment history, please correct and update status 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-03-13 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: NJ

Complaint narrative:
TRANSUNION is reporting inaccurate information on my consumer report. This is defaming my character and hurting my reputation. It is doing harm to my credit worthiness and Im losing out on credit opportunities. Please delete these items XXXX. XXXX XXXX credit card account number 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

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2023 I paid in full one of my accounts. I paid XXXX XXXX, XXXX {$21000.00}. XXXX XXXX XXXX telephone number is XXXX. Transunion updated the account appropriately, then changed it back that I still owed the company money. I telephoned XXXX XXXX and confirmed twice that the account is paid in full and asked they notify Transunion. They stated they did notify Transunion. I then filed two separate complaints with Transunion trying to get the account updated appropriately. I asked they contact XXXX XXXX and verify the account has been paid in full. Both times, Transunion responded with a letter to me stating that I still owe the company and their records are correct. All of the other credit bureaus have the correct information reflected regarding the XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-13 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: GA

Complaint narrative:
I am only able to call to dispute any information on my credit report. XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; I requesting an immediate Fraud Alert and for a Freeze of my credit report as unauthorized inquiries continue to happen. Under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which I am requesting the stated inquiries below be removed immediately as they were not authorized by me and you have been notified I am a victim of Identity Theft. The following unauthorized inquiries remain on my credit report and they are damaging my credit worthiness because it lowers my credit score resulting in higher interest rates and denial of credit services. 

Inquiry from XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX  XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XX/XX/XXXX I also requested the incorrect statement be removed as the information in the statement is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and bring attention to the inaccuracies present in my consumer credit report. Listed below are fraudulent/inaccurate and or unauthorized hard inquiries on my credit report that I will like to be thoroughly investigated and removed. 

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 XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX It has come to my attention, through a thorough review of my Fair Credit Report, that there are hard inquiries listed on my report that I believe to be fraudulent and inaccurately attributed to my credit profile. I demand a comprehensive and rigorous investigation by the credit buries to substantiate the validity of each hard inquiry they have recorded. Furthermore I request that the credit bureaus provide documented proof for any hard inquiry deemed to be accurate. I am committed to maintaining the accuracy and integrity of my credit report, and it is imperative that these discrepancies are rectified promptly. Your cooperation in conducting a thorough investigation and providing a clear documentation will be instrumental in resolving this matter promptly and ensuring the veracity of my credit report. Please investigate and remove these hard inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I am writing to formally dispute and bring attention to the inaccuracies present in my consumer credit report. Listed below are fraudulent/inaccurate and or unauthorized hard inquiries on my credit report that I will like to be thoroughly investigated and removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention, through a thorough review of my Fair Credit Report, that there are hard inquiries listed on my report that I believe to be fraudulent and inaccurately attributed to my credit profile. I demand a comprehensive and rigorous investigation by the credit buries to substantiate the validity of each hard inquiry they have recorded. Furthermore I request that the credit bureaus provide documented proof for any hard inquiry deemed to be accurate. I am committed to maintaining the accuracy and integrity of my credit report, and it is imperative that these discrepancies are rectified promptly. Your cooperation in conducting a thorough investigation and providing a clear documentation will be instrumental in resolving this matter promptly and ensuring the veracity of my credit report. Please investigate and remove these hard inquiries from 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : 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 - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Tax preparer input incorrect account number on my tax refund. 
IRS sent my tax refund to that incorrect account number. 
The tax refund direct deposit should have been reversed back to IRS because name of direct deposit and account name does not match.

Company response to consumer: Closed with explanation