vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: KY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-31 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have tried using my AmEx gift card at multiple stores without success, i.e. XXXX, XXXX, etc. All sites have said there is a problem with the card, but when I check my balance, the money is all there. 

When contacting AmEx they said its for my protection. They declined it at XXXX and another online retailer for fraud protection. I am supposed to try other shops they said. Basically just keep trying until it works at XXXX of them! That was their solution. 

I am very frustrated by this as it feels very deceptive of AmEx to advertise saying that you can use these cards anywhere that takes AmEx yet thus far, I am unable to use these funds anywhere!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/XXXX I ask for {$59000.00} and the teller needed the manager. The manager said I have pending deposits and she can't give me that amount. I said that's cool can you let me receive what's account for. The teller, manager went inside banker office for 10-15 min. They came back and manager stated she can give me collective balance and also she mentioned XXXX XXXX the XXXX XXXX branch know you very well and if you have any issues you can speak with XXXX. I asked her what's the collective balance and she said {$210.00} in business. I asked what about personal and she said {$35000.00}. I told her cut the check for {$35000.00} and she said no. It hurt me to the heart that I knew I had more money in my account if the pending deposits wasn't available. The account had {$73000.00} total as well. She called security and security called the police on me. I just wanted explanation on why I can't get my money out and clarification on what collective balance is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XX/XX/XXXX I was contacted via XXXX XXXX for an offer to purchase an engagement ring I had listed that day. The buyer reached out and said they would come by the next day to pick it up and would send payment right away. However once that was established, I received an email from, supposedly, VENMO pay services, stating my business account needed to be verified and in order to do that, I would need to send {$500.00} to the buyer and then Venmo would release the {$1700.00} back to me, {$500.00} for my deposit and {$1200.00} for the price of the ring. I set up the account and sent the payment not realizing I had been scammed. I sent a screenshot of the transfer to the buyer as instructed by VENMO, and then received another request for an additional {$500.00}. That is when I went back and checked the domain name from the emails and it was clearly NOT VENMO. It was XXXX. I immediately told the buyer I wanted my money back, obviously they didn't comply. I reached out to VENMO and reported the instance and they said they'd be getting me the money back but need 10 business days to do so. However I received a follow-up email from Venmo stating I would not be getting my money back. I called today and told them, they need to backtrack the wired funds to the fraudulent account and contact the banking institution where the funds ended up and report those as fraudulent funds so they could send the money back. However they said they can't do this and no refund to me. I expressed that they should absolutely be able to refund this money since it was obvious Fraud, but they said they don't do that. That means, they are supporting fraudulent transactions to occur on their platform without any recourse to rectify the situation for the consumer. I am asking for an investigation into this situation and would hope this will encourage them to refund the money. They allowed this fraudster to set up an account on their platform, yet they can't do anything when it's brought to their attention. I don't buy it. They should have XXXX XXXX in place and fraud insurance to cover situations like these. I also filed a complaint with XXXX, XXXX, and my local police. If you need any further information I would be more than happy to oblige. 

XX/XX/XXXX - XXXX, MO. Case # XXXX XX/XX/XXXX Venmo Case # XXXX and XX/XX/XXXX case # XXXX XX/XX/XXXX XXXX XXXX # XXXX Thank you for your assistance with this matter. This was the last of our money and was devastating to me and my daughter. It was her money we sent them, thinking I would get it back. Anything you can do to help me get this money back is truly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
We purchased a XXXX  XXXX mattress from XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$4400.00} which was described to us as a mattress that a customer didn't like in their trial period. This mattress was supposed to be no more than XXXX  days old. When the mattress arrived, the tag on the mattress was more than XXXX XXXX XXXX and was not a factory XXXX. It was very obviously a very used and shot mattress. I tried to get the company/ XXXX to pick up the mattress and refund and they would not. I disputed this with Charles Schwab and today received notice without any explanation the bank didn't not resolve in our favor. Clearly Charles Schwab didn't do a good investigation into this. If this isn't fraud, then nothing is! We have no idea how this is possible with this mattress clearly being fraudulently sent as a XXXX XXXXXXXX when really it is over XXXX XXXX XXXX. We have the mattress Tag! They even tried scripting out the date to make the mattress show 2 years newer than it is. 

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-31 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: QuickClick Loans of Illinois, LLC
State: NY

Complaint narrative:
Last year while I was in between homes I took out a title loan with EasyDollarLoans XXXX XXXX XXXX XXXX in XXXX using my car title that I owned free and clear and paid XXXX for. The loan was for {$2500.00}. I no longer can see my loan documents because they disconnected my loan from the online account when they repossessed my car from my residence in XXXX, NY on XX/XX/XXXX. XXXX XXXXXXXX XXXX  XXXX came to my new address and took my car and its in XXXX, NY. I have attached my XXXX letter from my doctor and I am currently in XXXX XXXX XXXX XXXX  and suddenly not having my car has drastically affected my XXXX and my ability to make money. I have never received any notice stating that they were taking my car or offered a workout agreement. I received a notice of repossession by mail after my car was taken. I didnt know I had the option to lower my payments or renegotiate my loan terms. XXXX XXXX from XXXX XXXX XXXX emailed me on XX/XX/XXXX and we discussed me trying to make payment. I never received any notice after that exchange with her via email. I have been in college full time and I am self employed doing deliveries. I was going to use my next tuition refund and tax return to pay the total of {$3300.00} I was told I owed when I called in XX/XX/XXXX. When I spoke with XXXX from XXXX on XX/XX/XXXX she told me yes they took my car and that I needed to pay {$6900.00} in 15 days or my car would be sold at the auction. She wouldnt negotiate anything and she wouldnt email me my loan documents or give me access to the online account. They were extremely vague about when the car was sold in the letter stating that it would be sold sometime after XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. I have seen many inconsistencies and inaccurate on my credit report. Please have these items deleted permanently

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 2024-01-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-01-31 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
It was XX/XX/XXXX when I wake up and looked in my account. Next thing I notice I heard ding ding Realized it was a fraud transaction so I immediately call Venmo. To stop them but they told me they cant do anything until its completed. I had XXXX now only XXXX. Bc of the fraud transaction. Put in a dispute now denied.. 
let them know it 18 transactions .. they decided to refund 12 transactions out of 6 transactions. Just trying to get my funding back in full. Now the last 6 transactions they owe me is still denied. 

Venmo debit card fraud transaction

Company response to consumer: Closed with explanation