vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
This is illegal. Venmo will not release me my funds and is wrongly holding my funds and not releasing my money to me when i have not violated 1 term and condition. I received money from family and friends for the holidays. I owe rent and a car payment i can't wait 180 days for MY money i promise i will never use Venmo again after this poor service with customers. I have been back and forth with support team and specialist and no one will unfreeze my funds so i can transfer them out of my account to my bank. I'm done with the back and forth this needs to be resolved immediately this is very scam like activity from Venmo. I can't wait 180 days i have not done anything wrong i will end up homeless and not able to pay my bills because of venmo. They are holding {$2500.00} from me sent as a gift from my father. Help please. They stopped replying to me all together now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX my family booked a vacation on my citi card with XXXX / after arriving at the destination it was not as described and infested with roaches. We called XXXX XXXX  several times, they did not answer. We took our toddlers and fled the property. We then contacted Citi because XXXX wouldnt acknowledge us and we left well before our pre paid stay was over due to uninhabitable conditions. Citi card never asked me for further proof ( I have photos, screen shots and endless proof that citi could have had had they asked ). Citi maintains they heard back from the merchant ( XXXX ) closed it and ruled in their favor- without so much as reaching out and asking us for more info. This was a $ XXXX issue. Citibank is consistently handling things like this. I have the proof we are in the right, citi never reaches out and asks- they always side with the merchant.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they initiated a 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a Citi Bank account with my name on that account. I have no association with the Citi bank account and do not have a XXXX account with Citi Bank. The thief was able to link my name and cell phone number to their account. The Citibank website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with Citi. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your Citi.com or Citi Mobile profile. I do not have a Citibank checking account. I contacted Citibanks fraud department on XX/XX/2021 to report this fraudulent transaction. The Citibank agent stated that they would start a claim and conduct an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
BRIDGECREST FORMERLY XXXX is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. BRIDGECREST FORMERLY XXXX has taken adverse information reflecting on my consumer report due to none payment for medical related complications. BRIDGECREST FORMERLY XXXX went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( BRIDGECREST FORMERLY XXXX ) making the report. Congress says that transactions or experiences between the consumer and the person making the report is not included in your consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 explanation
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX 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
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

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 2022-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information

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 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: ND

Complaint narrative:
I was in jail from XXXX til XXXX after I got I found out my ex roommate had gotten ahold of my card and stolen {$2700.00} from my NetSpend account. Also she stole from my XXXX account too. Now I talked to NetSpend and the corporate office they kept denying my dispute then they said they needed something stating I was in jail. Well I was in the XXXX jail on the reservation and right now they have limited staff and are even letting people out of jail because of this new coronavirus. Well I called the jail and explained and they told me that my probation officer should be able to get something saying how long I was in jail for as they are understaffed right now so I called my probation officer and she said she can get a generic jail release form for me and send it to XXXX and NetSpend. Well NetSpend wouldn't take it because it as they put it official well my probation officer left her number if they had questions but they still denied me and XXXX well they kept denying me til I got a email the other day stating my account with them is frozen and then a couple hours later a email stating it's suspended. And with XXXX they denied me because it said it had been over 180 days and I had two statement cycles to have had reviewed the transactions well I couldn't I was in jail. I filed complaints with these companies on XX/XX/XXXX. Now i don't know what to do NetSpend and XXXX denied my claim I'm a single mother i went to jail for my 6th driving under suspension and I have no money. My ex roommate wanted me out. My 5 yr old daughter got a chocolate bar for XXXX since I couldn't afford anything else. It's not right or fair that someone can rob a person and then have their so called banks deny any claims filed. XXXX told me to get a lawyer if I wanted well I can't afford one. Both XXXX and NetSpend customer service gave me trouble hanging up on me and bring rude. I need help with getting my money back please. Also NetSpend said because they wasn't changed and all the transactions were in the same town and stores I've used my card at before that's why it was denied well my ex roommate knew my pin I had in the past sent her to store or whatever to get me somethings so that's how she knew my pin and of course it's in the same town we lived together and there isn't a whole lot of stores there so yea kinda messed up but I'm hoping you guys can help me out please and thank you

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 2022-01-04 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: NY

Complaint narrative:
The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

Experian responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
hello my name is XXXX. This is about my account I had with venmo. in XXXX, I last sent money to a friend of mine. After that venmo froze my account with my {$200.00} and requesting my ID. I told them at the time I didn't feel comfortable, and questioned why they froze my account. They kept saying the same thing to send my ID before unfreezing my account. Really impersonal. ive had issues with my ID and the internet and the past, and I felt unsure about sending my ID over to these random virtual agenrs, with their prerecorded messages requesting my ID. after about a week or so, I desperately need the rest of my money so I asked if I could close my account and just get my money out. They denied me. So finally I sent my ID as requested. I didn't hear from them for a few days, so I went on the live chat to see if I could send it over to them and they could possibl just accept my ID and unfreeze my funds. After talking online to their live chat they informed me that I need a different department for that and if I send my ID in chat they would forward it and make sure they receive my ID at the appropriate dept. I waited a few days and FINALLY I got a response. NOW they wanted me to verifymy debit cards by sending my transactions from 2 of my debit cards and one of a debit card that wasn't even mine??? First of a of all, they said my account would be unfroze as soon as I sent my ID. they repeatedly asked me for it, so when I finally sent it they didn't even acknowledge it and wanted me to send more personal data! I don't know what they are doing with my ID but after questing why I needed to send more data, they permenatley terminated my account and kept my {$200.00}! They said any decision they made was finally and not done lightly and they are going to keep my money for XXXX $ days in which they'll possibly reach out to me to return! And any email I reply after will be ignored and deleted! They STOLE my ID and stole my money! My account is not part of any money laundering or fraud that was my money! I can't reach anyone at Venmo and I'm really upset! Please help me venmo is stealing my money!!! if you can help i would most appreciate I got scammed! Thank you My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA Venmo acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

XXXX responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.

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