vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: TX

Complaint narrative:
The account numbers are not the same which is inaccurate information. Please have inaccurate accounts deleted from my credit report. 

I'm requesting the following accounts be deleted immediately, because the account numbers and other details are not matching between XXXX and Experian credit bureaus. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX, my friend need an emergency loan of {$800.00}. Since I have been a Venmo customer for years, I suggested we use Venmo to get him his money. 
I only had a {$300.00} balance in my Venmo, so I transferred {$800.00} in from my checking account. He had a freind of his set up an account that night since he didn't have an account prior to this. Venmo charged a fee for the transfer AND they wouldn't allow him immediate access to the funds, so he had his friend return the {$780.00} and had me send another {$800.00} to his girlfriend. Rather than use the {$1100.00} in my account, Venmo initiated another {$800.00} withdrawal from my link bank account. When his girlfriend received the funds, she realized that there was a XXXX to 5 day waiting period before the funds would be available. She returned the {$800.00} top my Venmo, and we ended up using PayPal which went through instantly and was a breeze. I used Venmo 's chat feature to get the {$16.00} back, and the representative said it wasn't a problem and that he would return the {$16.00} to me. 

On Friday, XX/XX/XXXX I tried to transfer the {$1600.00} from my Venmo back to my checking account so I could pay my bills. It was at this point I discovered that Venmo had frozen my account due to suspicious activity. Ok, no problem, I'll call them. The representative I got informed me that customer service can't unfreeze an account and to refer to an email, which I did and that email referred me to customer service. I was then told that I would need to send an e-mail to submit a ticket and that a representative would be in touch with me in 3 to 4 business days. At this point they have MY funds, which came from MY bank account, which I need returned to MY bank account and they are refusing to do this for me. I must wait four days for a representative to contact me to unfreeze my funds, at which time it will still take XXXX to 5 days to receive my money. They then tell me that the {$16.00} was returned to the random person I don't even know. I send {$800.00}, they receive {$780.00}, they reverse {$780.00} back to me, why on Earth would you credit them the {$16.00} and not me? How this is legal is beyond me. They are clearly using my funds to earn carry by reinvesting them and simply don't want to unwind their cash reinvestment. They weren't kidding when they said my account was being frozen for suspicious activity, only Venmo is behind the suspicious activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I began a mortgage application with Wells Fargo ( with XXXX XXXX mortgage banker ) back in XXXX ( XX/XX/22 ) and was upfront with them that my property is under litigation and that it may be difficult for loan approval. The team requested many documents from me over the span of 2 months, from my own personal financial documents to XXXX documents and legal documents relating to the litigation. After much back and forth and communication with the mortgage team, I was given instruction to obtain an appraisal of my property. I specifically stated I do not want to obtain an appraisal unless the loan would be approved and that the litigation would not be a problem. The team confirmed that I had conditional approval from the project approval team and that we were in the final steps of escrow closing. I was charged {$690.00} for the appraisal and yet after the appraisal was told that the project was too high risk and that it was rejected by the project approval team. Essentially I was in this drawn out process with Wells Fargo for 2 months while interest rates were doubling. Only to be led to believe my application would be approved but was actually rejected last minute. I want at least a refund of the appraisal fee but at this rate I will not be able to find a mortgage with the rate of 3.125 % that I was quoted from Wells Fargo and that is a huge loss to me as well. They wasted my time and money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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 2022-05-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a message from XXXX saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with chase bank I have never had a chase bank account I called Chase bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called XXXX and requested a fraud prevention as well as it to be removed from my XXXX credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
n 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

has violated all 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 2022-05-13 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: WA

Complaint narrative:
We submitted the document to the courts and institutions but they did not remove the bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: MD

Complaint narrative:
submitted a dispute with Experian for inaccurate information being reported about me on my credit report i have ask on numerous occasions to investigate and correct they have yet to do so or fix the issue with the inaccurate incorrect item being reported on my report they claimed to verify the incorrect bankruptcy with XXXX received a copy of my report which shows no bankruptcy being reported and yet the refuse to correct the inaccurate unverified information being reported

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 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Area Collection Service, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I noticed a new and unknown debt collection on my credit report for {$3400.00} - XXXX XXXX XXXX ( Original creditor, opened XX/XX/XXXX ) that had been added in XX/XX/XXXX. I immediately wrote a debt verification letter to the named collector, XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ) requesting a debt validation letter as I had not had any prior contact ( call, letter, bills, etc ) for this agency or original creditor. They have failed to respond to the debt validation letter. I also filed two disputes with the credit bureaus but those have not resolved anything. Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. The debt was last reported to the credit bureaus XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MS

Complaint narrative:
NELNET , INC. reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I moved out of the apartment XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX # XXXX at the agreed time and paid all my rent and utility bills on time, leaving the apartment cleaned. I never received any notice of any unpaid bills since then. I never received any security deposit back with itemization of deduction either. 7 months later, suddenly my credit score was negatively impact by a collection agency without any warning or notice of any kind. The collection agency indicated I owed {$450.00} on top of my security deposit {$200.00}. They have never sent me any itemization of deduction and never sent me any owed debt bills. Cleaning the already cleaned apartment shouldn't have cost {$640.00}. Also, the collection agency should've contacted me to verify the debt and negotiate a resolution before sending me directly to the credit report agency thus unfairly and wrongfully hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
Saw a payment in my account from Avail Blue. 
Called and told them I never applied for a loan. They said they had an online agreement that was from me. I asked for the XXXXXXXX XXXX so I can see if it was from my computer. 
They would not say or give me any other information. 
They kept saying they had my information. 
They said I had 2 business days to return the money with no fees after I told them I did not want it. I was instructed to call my bank and have them reverse it. My bank said they could not do that once the money was in the account. 
I called back asked how I could resolve this and they said by paying the money back with Debit Card. I asked the specific amount. They quoted me the {$400.00} which was exactly what was deposited. I paid and when I checked the withdrawal it was {$400.00}. 
When I called back to ask about this they put me on hold and was then disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Kikoff Inc.
State: CA

Complaint narrative:
I noticed and unfamiliar account was opened in my name contacted my bank and opened a fraud investigation with the unfamiliar account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
In accordance with the fair credit reporting at XXXX XXXX XXXX  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 2. It also states a customer reporting agency can not furnish a account without my written instructions.
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 2022-05-13 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:
New Updated information in regard to CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Equifax account number XXXX

has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached is a dispute letter with accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email from PayPal saying I owed {$960.00} which they needed to take out of my account for cryptocurrency. I do not have a PayPal account that I have used in the last year or so and I did not purchase any XXXX account. When I tried calling the number they became abusive and wanted to log into my computer and get my personal information to stop the payment. I contacted XXXX and PayPal because the email came from XXXX and PayPal. They have both been made aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/2022 I was informed that XXXXXXXX XXXX XXXX XXXX, a Senior Loan Originator with Cardinal Financial Company , Limited Partnership | NMLS XXXX that my driver 's license was required in order to extend a loan to my father, who goes by the same name, when I was not involved in the loan transaction. XXXX XXXX indicated that because my father had briefly used my address to receive mail, CFC 's underwriters assumed that the property I own was my father 's property. On the call with XXXX, I informed him that I believed that asking information of a family member not related to the loan transaction and threatening to cancel the loan over it, did not seem correct. Due to the large number of potential damages my dad faced if the loan was cancelled, I, under duress, provided private information, such as my license, to XXXX XXXX via e-mail. 

It is my belief that CFC 's underwriters or XXXX XXXX would not have asked the information of a landlord of the same name, and only requested the information based my familial connection to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a bank account with CITI bank two weeks ago and I immediately ran into issues with XXXX XXXX so I gave them a call. I was getting an XXXX error. I was transferred between people for XXXX hours just for them to tell me that its not gon na work. I then put money into the account so itll be active. On Saturday I tried to XXXX someone to pay a bill and they immediately froze my account so I called them so it can get unfrozen and the agent asked me one of my security questions and I answered it and he said it was wrong. He then asked me for my phone number and I said it and said that it was wrong and then said that he will be locking my account until further notice and hung up. After that I was kicked out of my banking app and I cant log in or use my debit card. Its been 6 days now and Ive been told that Id get a call back in XXXX and they theyd email their specialty department. I have yet to receive any sort of callback. I was told that my card would work by two agents and when I try the card it doesnt work. I was told to call the customer service department so I can reset my pin and they cant verify me with my phone number. Its been a never ending battle with them and Ive called close to 20 times at this point and Im told that Im gon na have to wait for a letter to show up but I dont believe that for a second.

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 2022-05-13 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: MO

Complaint narrative:
Got an alert that someone tried to open a credit card in my name XXXX XXXXXXXX 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