vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On *date letter was sent on the dispute* 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.

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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was notified today via XXXX that a new collection had been added to my XXXX report from XXXX XXXX. I have been disputing this account with the all three bureaus since XXXX of XXXX  with the original creditor on my report Affirm I have sent a reinvestigation letter and method of verification letter to all three bureaus to verify this account only for this collection company to be added in XXXX. I had no knowledge of the debt being sold nor any communication from XXXX XXXX about the debt being sold. I do not recognize how and why this account is now reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XX/XX/2023, XXXX increased my credit card limit from $ XXXX to $ XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from $ XXXX to $ XXXX. Subsequent to this reduction, my credit score reported by Experion and other similar agencies and reported by XXXXe DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of XXXX correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with XXXX. They have done nothing regarding either complaint. 

My XXXX XXXX is now down XXXX points as a result of XXXX taking action without my request or approval and subsequently correcting it at my request. XXXX simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by XXXX of more credit card volume without having a conversation with me, their client.

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 2023-05-24 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 Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed as a result of a mistake, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. 

First and foremost, I would like to emphasize that I have been a loyal and responsible user of PayPal. Throughout my usage, I have maintained a strong commitment to complying with all the terms and conditions set forth by PayPal. I have always conducted my transactions in a lawful and ethical manner, respecting the platform 's policies and guidelines. 

Upon discovering that my account has been permanently limited, I thoroughly reviewed my recent activities to understand the reason behind this decision. To the best of my knowledge, I have not engaged in any prohibited activities, such as fraud, money laundering, or any other actions that could potentially compromise the integrity of PayPal 's services. I have always strived to maintain a positive reputation and have not received any complaints or disputes against my account. 

Considering the aforementioned points, I kindly request PayPal to re-investigate my case in detail and reconsider the permanent limitation imposed on my account. I believe that there may have been an error or misunderstanding leading to this decision, and I am confident that a thorough review will reveal my adherence to PayPal 's policies. 

Moreover, I understand that PayPal values its customers and aims to provide them with a secure and reliable platform for online transactions. As a loyal user, I kindly request the opportunity to present any additional information or evidence that may aid in the reevaluation of my account 's status. I am fully committed to cooperating with PayPal throughout this process and providing any necessary documentation to support my case. 

For your convenience, the email address associated with my PayPal account is XXXX. I kindly request that all further communication regarding this matter be directed to this email address. I appreciate your prompt attention to this appeal and hope for a fair and favorable resolution. 

Thank you for your time and consideration. I remain hopeful that PayPal will recognize my dedication to your platform and restore my account, allowing me to resume using PayPal 's services for my financial needs. 

Yours sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-24 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is 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 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My complaint is about my current mortgage service Selene, Selene took over the servicing of my mortgage loan in XX/XX/2022 from XXXX. Before the transfer took place I had a mortgage modification with XXXX and I was paying as per the agreed amount but when the loan servicer changed i only got a letter from XXXX that I should send my mortgage from XX/XX/2022 to Selene with the new address and loan number given. 
I made all payments accordingly every month but things took a different turn when I got a call in XXXX of XXXX  from my husbands bankruptcy attorney that he got a correspondence from Selene that I defaulted on my loan I was shocked and asked him to forward me the correspondence, I then contacted Selene that I wasn't privy to the change in amount that I didn't get any correspondence from them neither a phone call and the attorney they contacted was not my attorney and I wasn't why they contacted him, they told me they didn't have my contact info but I was concerned about the answer because XXXX had my updated contact info and why wasn't same transferred to them. 
They then said they will need me to file another modification which I did but the new mortgage amount was like twice the amount I agreed with XXXX and when I told them the amount was too high the agent that called me said they will begin foreclosure proceedings. 
I have attached all the evidence of the payment I sent to them in the period they said I was behind in my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: GA

Complaint narrative:
On *date letter was sent on the dispute* 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.

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 2023-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On *date letter was sent on the dispute* 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
This is not my debt. I have never had XXXXXXXX XXXX. I have been a victim of identity theft. I contacted the government and they never got back to me. Someone used my SS # to collect unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
Convergent Collections contacted me through mail, 18 months after supposed amount was due. The original company ( XXXX ) that the debt came from told me that i owed them nothing because i never used the service and i returned it before the date they set for me was up. Currently awaiting Convergent to investigate through XXXX  to see if i still owe them money, which they will probably say yes to. Total amount owed is {$82.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I was informed by a Capital One credit card fraud department representative my personal credit card ( ending in XXXX ) was closed yesterday on XX/XX/XXXX. I asked the representative why the card was closed, and the representative said because it had been used for personal use. I informed the representative I am a victim of previous identity theft, and that the card is not a business card, therefore, it can be used for personal uses. On XX/XX/XXXX my CapitalOne Spark business card ( the representative would not provide the last 4 digits of this card on the phone today ) was closed by the company due to the same fraudulent reasons, and the card had not been used at all. I informed the company I had resolved all existing issues regarding fraudulent activity on my accounts dating back to XXXX and ( XXXX ) that involved my maiden name XXXX XXXX and/or my social security number. Since then, I have been approved for business and personal credit cards for them to only be closed by someone or something ( CapOne 's system ) at the company.without good, fair, or ethical cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TX

Complaint narrative:
This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous 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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX/2022 it was a large amount tranfer from my saving account to my checking account of the total amount of {$6200.00}. My lawyer and i have contact City Bank multiple time, I also have gone sit with bank representive and it hasent been no result.They having done anything.

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 2023-05-24 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: NC

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. 

Upstart : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # 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 non-monetary relief
Consumer complaint received 2023-05-24 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: NC

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. 

Upstart : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # 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 2023-05-24 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: LEXISNEXIS
State: NC

Complaint narrative:
This credit bureauDoes not repect or follow the Laws of FCRA. 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 XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were verified for 100 percent accuracy. However I asked them how? when the filing date on each account is wrong. 

I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did. Additionally, according to 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. 

Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected. 

15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights. and according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so.

These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: NM

Complaint narrative:
I am a XXXX XXXX XXXX woman, single. I took out a title loan with Titlemax in XX/XX/XXXX. I must work to supplement my Social Security. I took a job at a local gas station and convenience store. I developed XXXX that is extremely painful and had to leave the job. I fell behind on my payments to XXXX XXXX and although there customer service mantra is they are committed to great customer service they were not willing to work with me on a settlement. The interest rate goes up daily from {$500.00} to now {$860.00}. My car is XXXX XXXX XXXX and now in danger of repossession. I can't lose my vehicle. They have closed all branches in my state as of XX/XX/XXXX due to unfair business practices. They do not ever answer their phones and I need reconciliation.

Company response to consumer: Closed with explanation