vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I contact the company requesting for more information about collection. I tried to call them on several occasion by XX/XX/XXXX just to ask for the reason of the debt and was very frustrating that they dint want to answer in order to avoid and provide me the information requested. Then I sent a letter with the template from CFPB ( XXXX ) on XX/XX/XXXX requesting for more information about the origin of the debt and they failed to provided no any answer. And last thing that make me file this complain is because I received a call from their agents on XX/XX/XXXX saying that they does not communicate by letter and hang me out intimidatingly. and As far I read on the website I have the right to interchange written communication with them. I just wan na know why the property charge me when I was paying monthly and why the method of this company involved only phone call to negotiate the debt leaving me with no right of spoke through letters.

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: FactorTrust, Inc.
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXXXXXX XXXX Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In the past week I have been locked out of my venmo account and assets frozen. Each time I have done what they asked to unfreeze the account by sending in verification of my identity which include : drivers license, selfie holding driver 's license, pictures of debit cards linked to account, account bank statements and multiple times for each. Every time I try to transfer funds out of the venmo to my other bank it automatically suspends my account and asks for more information to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Collection Dept. at XXXX XXXX does not answer after sending last XXXX of social, birthdate then to follow up on full social. The incorrect dept. answers only to ask for social security with dogs barking in background. Told them that I didnt feel ok giving my social over the phone so she asked for my full account number at which I do not know because I received no paper work and no validation letter. The partial account numbers from XXXX, XXXX, XXXX would not work on my behalf. So I followed through giving my SS to dog lady only to be hung up on by a recording. I have left XXXX messages with XXXX with call back information that for XXXX weeks. ( Nothing )

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
The Complaint relates to Complaint Number XXXX. 

MOHELA has again issued me past-due notices in error. I paid my monthly bill of {$840.00} on the due date of XX/XX/2024. My bank information shows that my payment cleared on XX/XX/XXXX. On MOHELAs website, it shows that MOHELA is still processing this payment. Yet MOHELA sent me two past-due notices on my account and shows that I owe {$1400.00} by XX/XX/2024. 

MOHELA issued me past-due notices in error in XXXX and earlier in XXXX. While it corrected past-due status on its website, MOHELA has never sent me corrected invoices. I am very concerned that MOHELAs gross negligence and incompetence will negatively impact my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AL

Complaint narrative:
On XXXX the XXXX XXXX  direct Express let multiple transactions come off my card to a company in XXXX  XXXX, XXXX XXXX and XXXX XXXXXXXX. The XXXX was XXXX, XXXX XXXX was XXXX, and XXXX XXXX was XXXX I tried contacting direct Express multiple times finally got in touch with them and got merchants info and contacted merchants confirmed that those weren't my accounts i sent conversations to investigations dept and i was told i couldnt do anything about it so how these transactions were even able to be processed i dont know cause my physical card was in my possession the entire time and im not the only person they do these kinds of things to so in the month of XXXX i was robbed by direct express and i was almost put out of my apt and i had to do without toilet paper food couldnt pay my lights and water and direct express kept telling me it's not their fault and i couldnt do a thing about it

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: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXXXXXX XXXX Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
On XX/XX/XXXX, I was made aware that another name and identity was associated with my social security number. As a result, I contacted TransUnion 's customer service department and was advised not to dispute the unrecognized inquiries, but to call FTC and report identity theft. After contacting FTC, I was advised to file a complain with the CFPB instead. 

I am requesting that these Inquiries be removed from my credit report as they are NOT associated with my identity. The inquiries were made as a result of identity theft and do not belong on my consumer credit report. 

XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX I will provide documents to support this claim as I have been a victim of identity theft. 
It is hurting my ability to open a banking account.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX XXXX, XXXX, I paid {$5.00} to XXXX XXXX, to talk to a doctor about my brother 's XXXX XXXX. After speaking to the doctor, I then received an email that I was charged {$46.00} per month for their services. I immediately contacted XXXX, and told them I was never informed of this amount. They cancelled, and credited the amount of {$46.00}. I disputed the amount with American Express as it was still in my account on XXXX XXXX, XXXX. They said they credited my account. 
Each statement since then, still has the {$46.00} charge on it. I have always paid in full for the charges that I did owe on, minus the {$46.00}. Now as of XXXX, XXXX, I am being charged late fees on top of the {$46.00} that was supposed to be credited. I chatted with AMEX in XXXX several times. One supervisor even said he agreed that I only owed two charges that I agreed I would pay for. I called AMEX corporate headquarters XXXX XXXX, XXXX in XXXX XXXX XXXX. They transferred me to their XXXX  office where XXXX said he would take it off my account, but it's still there. XXXX XXXX, XXXX, I filed a complaint with the XXXX. For some reason nobody at American Express can get it through their heads that I don't owe {$46.00} plus late fees. Today, XXXX XXXX, XXXX, I received an email threatening to send me to the credit bureau for not paying. I have now received a letter from AMERICAN Express that they can't credit me late fees. The XXXX is NOT helping at all. I was informed today, the guy who was in charge of my account no longer works for the XXXX. If they credited my account, why is it still on my account as being owed with late fees, and taking me to the credit bureau? I have never had problems with them until now. I have always had an excellent credit rating, and I don't want this company to ruin that for me. I no longer want this card, and will not be using it again.

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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not give my consent or signature to no consumer reporting agency i demand all public records be removed from my credit report as it is a direct violation of the Fair Reporting Credit Act

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On XX/XX/24, XXXX made a direct deposit of {$56.00} into my Venmo account. I tried to withdraw the funds via transfer to my XXXX account, as my money is never safe with Venmo, but when I attempted the transfer, it was declined, and my Venmo account was frozen without cause or even notification. I called Venmo customer service only to be advised the reason for my account being frozen was unknown. I was further advised my issue would be " escalated to the account specialist '' and resolution would take 10-15 days. When I asked to speak directly to the account specialist or a manager who could help me understand this insanity, I was told there was no one that could help me, and the account specialist is unreachable, even to Venmo employees. I was advised to respond to " the email '', which I never did receive. I initiated the conversation with Support, and the response I received from Support advised my issue needed to be submitted to another team for review, but never did explain what the issue was that had frozen in my account, to which team I was being referred, or answered any other question I had as to why my account had been frozen.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.

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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this letter finds you well. I recently discovered a fraudulent account on my credit report, impacting my credit standing. The affected accounts are XXXX XXXX : XXXX and XXXX XXXX XXXX I did not open or authorize these accounts, and I suspect 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
on XX/XX/2023 I made a payment to Carrington mortgage for {$2800.00} thru my XXXX XXXX account which had a balance of {$7700.00}, I was later told by Carrington that my payment was returned, than I made a replacement payment but by that time the account. 
had gone over 30 days, I contacted XXXX XXXX to find out why the payment was returned and they stated that they stared a fraud review and froze all out going payments from my account I than sent Carrington the latter from XXXX XXXX stating such and ask them to update my account to reflect that I made my payment on time but because of a technical issue at XXXX XXXX they returned the payment, but for the last three mouths they have been giving me the run around and have not corrected this issue which has ruined my credit and reduce my score by XXXX points.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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