vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX a transfer was initiated via the online merchant money center known as Venmo. The transfer was sent willingly and knowingly from XXXX XXXX and XXXX XXXX. The amount of the transfer was {$370.00}. During the period of this transfer my Venmo account had just been made. I am a divorced woman in my XXXX XXXX and have very little knowledge of these types of technology however it was the only option to receive the funds from the employer of XXXX XXXX XXXX XXXX XXXX XXXX I verified my identification with no isssues on the first day of the account being created, XX/XX/XXXX. Successfully. I uploaded sensitive info along with photographed documentation of said sensitive info to prove my identification. Now, as I mentioned- I am not particularly tech savvy. Whilst attempting to enter info regarding my bank and where I needed MY funds to be transferred out of this service- I received an error message. I am human. It appears I accidentally entered my daughters bank info instead of mine as I have all of this info in a notebook I keep for records for our family in case of an emergency and an app fails, etc needless to say I can not explain to you in the best detail the horrific experience I have gone through since this has happened. I have had corresponded with Venmo on the following dates : pleading and pathetically begging for money that is MINE : XXXX XXXX twice XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX twice ( todays date ) over TWO months after what was meant to be a simple and swift exchange and sorely needed throughout this time. I have submitted every single document you can imagine that would prove my identification, multiple times, FRONT AND BACK and today, the pies de resistance I received a final email stating that even after all of my tireless efforts to retrieve MY funds- VENMO PERMANENTLY DEACTIVATED MY ACCOUNT!! They have arbitrarily held my money for almost 100 days now. Money my family needs. I am recently divorced and this added stress has admitted me to the XXXX where I was diagnosed with XXXX XXXX XXXX. I explained this to Venmo. They are inhumane and do not care about their consumers. I was told that from TODAYS DATE XXXX they are allowed to hold my money for an additional XXXX at which SHOULD THEY DECIDE I am allowed to have it they will contact me via email..?????? How is this legal????? Please help me. Complaint also filed with FCC as well as Federal Trade Commission. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some Collections reported on my credit report : XXXX XXXX XXXX XXXXXXXX : {$1000.00} Date : XX/XX/2022 XXXX XXXX XXXX Bal : {$250.00} Date : XX/XX/2022 Your company is in clear violation of the law. Under IS USC 1681CXXXX Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.

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 2022-09-27 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: CA

Complaint narrative:
I have been a victim of identity theft. Please see the attached documents for reference.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
There is a medical collection on my credit report that I do not believe I owe. I have disputed the debt with the credit bureaus, and the only response received was that the debt met FCRA guidelines. I then sent a HIPAA request for validation of the debt to Account Resolution Services XX/XX/XXXX and I have yet to receive a response. 

I have no idea what this debt is for, and I have no knowledge of the service provider. This misreporting is hurting my credit, and the collection agency is not providing me with validation of this debt. 

Collection Agency : Account Resolution Services Provider : ARS XXXX XXXX XXXX Date of collection : XX/XX/XXXX Account Number : XXXX Amount of Debt : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy, 15 USC 1681 section 604 A section XXXX also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
. I received a letter today from Wells Fargo saying I am approve for a short sale. I have to le them know by XX/XX/XXXX which is only a week away. I dont feel that is enough time to decide. First off we have no place to live. We are seniors and have been trying to get into affordable housing but there are waiting list 2-3 years long. My husband is disable and is home bound. I will have to pay a service to get him out of the house. My main problem is the length of time Wells Fargo gave me to decide for a short sale or not. A short sale is a life changing event. I will like to file a complaint about the short sale time line.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I disputed XXXX  XXXX since it appeared again on my credit report again as a charge off and late payments, this is fraud, XXXX XXXX personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since XXXX XXXX is fraud and I didnt sign up for it and as they see on there records it was indeed removed and XXXX XXXX did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo

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 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX has confirmed multiple times that the bill for the non-return router of {$780.00} has been disputed. ticket number : # XXXX and # XXXX however MRS BPO, L.L.C debt collector refused to dispute debt and insist that I have to pay it off. XXXX has done a 3 way call to explain to them that I am no longer responsible for {$780.00}, but MRS BPO, L.L.C sent my " debt '' to my XXXX, XXXX, XXXX and made my credit dropped XXXX points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
please remove these fraudulent/unauthorized inquiries from XXXX XXXX  XXXX  XX/XX/2021 and XX/XX/2021 or provide proof in writing within 30days.

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 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I contact the company via mail on the following dates XXXX, XX/XX/XXXX to let them know that debt of {$1600.00} is not my debt, due to identity theft and to provide proof that I sign and/or agreed to the debt. 

The Midland Credit Management continuously sent letters harassing me about paying the debt of {$1600.00}. Dates I received letters are XX/XX/XXXX XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-27 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i received an email from XXXX XXXX about an unknown credit card from Pentagon FCU added to my accout with unexpected amount on XX/XX/XXXX, XXXX this is when i came to know about this fraudulent card added to my report. ive filed a dispute with XXXX XXXX and XXXX to investigate and fix the error. 
i would like this to be investigated and fix the issue as soon as possible. i am a victim of identity theft.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some Collections reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IL

Complaint narrative:
I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some Collections reported on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.

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 2022-09-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
XXXX XXXX constantly call me and threatening me with reporting me to the credit bureau for none payment of my loan. I have been consistently enrolled in school for the past two years, however, I keep getting statements saying that I'm past due and a failure to pay would result in bad marks on my credit. 

The terms on my loan stated that while enrolled I do not have to pay on my loan. XXXX has ignored the fact that I send {$50.00} a month for over a year and none of those payments has been reflected in any statement. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello - I recently ran a Credit Report on XXXX and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello - I recently ran a Credit Report on XXXX  and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


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

Company response to consumer: Closed with explanation