vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was sent money to venmo to pay some bills because me and my family are on Hard Times I usually don't use venmo but I decided to make one but in the midst of that somehow my account was connected to my brother 's although I had never made one before so in light of that my brother decided to make a new venmo and let me have that one so I put in my cash app card and my bank information as well as a picture and changing of names on the account the people sent me over the money and I was trying to transfer to my bank account when the account was frozen I first tried on the XXXX XXXX  XXXX in which I did send my expired ID when they asked for photo identification but even then I did not receive a response I then begin to call on XX/XX/XXXX in which I did not get a clear answer all I knew was they would send it to venmo XXXX I did try to explain all of this in an email to the venmo XXXX but it seemed like the email was automated and that they were not receiving my full emails I had been calling them on XX/XX/XXXX XXXX and then on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I have not been able to resolve this issue I have explained in great detail and I do believe it's a system error and have asked them to please check it as well as their system has mistakenly made the legal name of the account a nickname and me nor my brother who is the original account holder has that nickname for an ID so he can not verify but only through his email who he is. I am willing to do whatever it takes to cooperate but I do feel and know that I am not being heard it is a big misunderstanding via their system and the app itself the dollar amount that is in the venmo account is {$390.00} of which I have been trying to get a hold of since the mid beginning ofXX/XX/XXXXI also want to make clear that XXXX is my nickname and so if that does come up it's because of that I also changed the venmo account name back to my brothers but again keep in mind that venmo 's files says his legal name is XXXX XXXX but his real name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-10 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: OR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-10 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-10 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: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX acquired a collection from XXXX. They stopped calling because I informed them this was included in the bankruptcy which is already reported on my credit report. I've disputed it numerous times via Experian and XXXX but they are not correcting things. This is a violation for this company to be reporting this collection when it was included in my bankruptcy.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
My data was stolen and I've been trying to fight for my life back and this company is a third party collection service that will not provide me with the original data given so that I can further pursue legal actions. I've requested on three separate occasions for this company to provide me with the original contract and signature provided so I can pinpoint whom exactly I am going after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> my debit card was charged a amount that overdrafted my account. I had got behind on a personal loan at Toledo Finance in XXXX, TX. Neither MYSELF or my wife had spoken with them prior to give them the card information nor have i given permission to have this card used for auto draft but some how on that date the card was charged. I have placed a unauthorized charge complaint with my card company and they are investigating this as well.

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 2025-01-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Monday, XX/XX/year>, I went to deposit funds in my account at Bank of America to pay rent. I deposited {$1500.00}, only to find out that the machine consume the funds, but would not credit my account and would not process the transaction. Since Monday night, I have been calling and fighting with BOA to get them to deal with the problem and they have done nothing. Theyve claimed they have no relationship to the ATM company and would get someone out there by Wednesday XX/XX/year> only to find out. They did nothing and have done nothing and I still am without my funds and my rent is still not paid. They refuse to respond. I have to call constantly and tomorrow have to now go there again because theyre doing nothing and claiming ignorance and a lack of responsibility and accountability. Theyre claiming now it could take XXXX to XXXX business days. THIS IS WHOLY UNACCEPTABLE. Landlords arent gon na put up with a XXXX much less a XXXX delay. Are they on drugs? What give them the right to XXXX every day consumers and yet think its perfectly acceptable to say this stuff??? How XXXX Bank of America get away with screwing me out of my money for XXXX months. NOT acceptable. Furthermore, I want every day that a late fee is imposed on me paid for by Bank of America. Lastly, Bank of America needs to be penalized for this XXXX. They have no right to pretend they have no relationship with an ATM thats sitting outside their facility that is on their property! This is outrageous. Unacceptable and CFPB, do the job you were put in position to do. Go after that actors like Bank of America. It is not acceptable in any shape or form!!!

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 monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, thisn account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, thisn account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( II ) promptly notify the furniture of that information that the information has been deleted from the file of the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was having terrible tooth pain and had to go to a dentist which I had not done in about XXXX  years. I called around to see where I could get in and XXXX, at XXXX XXXX, Mt XXXX, XXXX  took the time to talk to me and I thought was being upfront and honest with me which turned out to be so far from the truth. I went in to see what could be done and they said I would require a deep cleaning first and then a root canal in a couple weeks, but I would be given an antibiotic as well as XXXX XXXX  for the pain and then come back for the root canal in XXXX. The day of the root canal was very long, and they were very behind schedule and closed at XXXX XXXX. I did not leave there until almost XXXX XXXX. but did not get to get x-rays which are required after the root canal to see how it went. I also did not get the temporary crown as I was told by XXXX, that it would most likely fall out anyway, but I was fitted for a mold of my permanent crown and scheduled to come back for it when it was ready. I went in on the scheduled day for the permanent crown and again they were running very behind. After waiting for an hour or so I was taken to the back for the x-rays that I had not received after the root canal. Then I met with the surgeon who told me that the root canal was a failure, and they would have to extract the tooth- there was no saving it. At this point I had already made payments on the account and paid what was due, but now I have not received the temporary crown, the permanent crown or any of the items on the receipt that were to be done on XXXX  because I did not show up for the appointment- I was all set with dentists once again after this. I have disputed this with Synchrony twice and it has been denied both times with no explanation as to why. So, I stopped paying at services were never completed.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
on XX/XX/XXXX I contacted Venmo/Synchrony bank to inquire again if my bank check that was to be cashed XX/XX/XXXX an electronic check sent from my banking institution XXXX XXXX  XXXX The answer from XXXX individuals ( XXXX and XXXX ) was to stop the check and send an ACH by XXXX XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX I spoke with a supervisor at Venmo/Synchrony to see if they received the check as it still did not clear my account, supervisor, XXXX said no I said I will call my bank XXXX issue a stop and do the ACH XX/XX/XXXX called XXXX XXXX XXXX stopped lost check XX/XX/XXXX XXXX AM called back Venmo/Synchrony to confirm receipt of ACH and informed XXXX the check was stopped Everything was ok XX/XX/XXXX I went to fill a prescription I have XXXX and my card was denied ( knowing I was in a credit balance I thought perhaps it was just a card reader issue ) Came home and signed on and my account was closed. Venmo/Synchrony has told me several excuses why my account was closed : credit bureaus told them to ; non payment ; they will review it and get back to me in XXXX days and my refund can take up to XXXX days. 
I contacted XXXX all three credit bureaus they were unaware of any wrong doing on my behalf and I have everything fully documented and they didn't direct the credit card company to close my 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