vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Venmo for Failure to Refund Unauthorized Transaction Dear Sir/Madam, I am writing to file a formal complaint against Venmo for their refusal to refund an unauthorized transaction, in violation of consumer protection regulations. I believe I have been a victim of a scam, and Venmo 's response to this incident has been grossly inadequate. 

**Transaction Details : ** - Transaction ID : XXXX - Amount : {$600.00} - Date and Time of Transaction : XX/XX/year>, at XXXX XXXX - Recipient : XXXX XXXX XXXX XXXX XXXX ) **Incident Description : ** On the aforementioned date, I completed a transaction using Venmo to pay for products advertised by the seller, XXXX XXXX XXXX However, immediately after transferring the funds, I realized that the offer was fraudulent. The seller blocked all forms of communication with me, making it impossible to resolve the issue directly. 

Within an hour of realizing the scam, I contacted Venmo to request a refund, explaining the fraudulent nature of the transaction. Despite my immediate action and clear evidence of a scam, Venmo has refused to refund the amount, stating that the transaction was final. 

**Argument for Refund : ** 1. **Definition of Scam and Unauthorized Transaction : ** A scam occurs when funds are obtained through deceptive practices. In this case, I was misled into sending money for non-existent products. Therefore, the transaction was unauthorized, as it was based on false pretenses. 

2. **Consumer Protection Rights : ** Under banking regulations and consumer protection laws, consumers are entitled to protection against unauthorized transactions and fraudulent activities.

3. **Failure of Service Provider 's Duty : ** Venmo, as a financial service provider, has a responsibility to protect its users from fraud and to assist in the recovery of funds in cases of clear deception and scam.

**Requested Action : ** I urge the CFPB to investigate this matter and require Venmo to : 1. Refund the full amount of {$600.00} to my account.

2. Review and improve their policies and procedures for handling scam-related disputes to better protect consumers.

I have attached relevant documentation and correspondence related to this incident. I appreciate your attention to this matter and look forward to a resolution that upholds consumer rights and justice.

Sincerely,

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: MA

Complaint narrative:
Credit Bureaus selling consumer information to all mortgage lenders after credit is pulled without their authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Credit Bureaus selling consumer information to all mortgage lenders after credit is pulled without their authorization.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing in response to a dispute I initiated for XXXX XXXX for {$360.00}. I have already tried XXXX attempts trying to solve this dispute in my favor. I have been trying to get this charge resolved in my favor since XX/XX/XXXX with Goldman Sachs Bank. Even after all the facts and evidence that supports my claim in detail I keep getting denied erroneously. My dispute was for a plane ticket that I cancelled and never used and was misled by XXXX XXXX into purchasing in the first place. I want the Financial Protection Bureau to investigate credit card account management practices. Including how the bank resolved billing errors and how it refunds cardholders for disputes initiated. 
I have an Apple card with Goldman Sachs Bank as the official business handling the transactions. I believe Goldman Sachs consumer banking has had some issues with consumer banking since XXXX from reading newspaper articles. The consumer banking does not know how to handle the complaints generated by customers and in return try to pretend they are solving the disputes but reps just end up denying the claims. These types of issues have been reported by the XXXX XXXX XXXX on many articles as early as XX/XX/XXXX. These are serious issues that need to be addressed and investigated. Apparently, the bank did not invest enough money in consumer business department operations since XXXX and this has hurt their business and how to handle customer disputes according to The XXXX XXXX XXXX. Since XXXX the Federal Reserve found problems with the banks consumer business. The Federal Reserve was concerned that Goldman did not have proper monitoring and control systems put in place to handle disputes and enough staff to work on claims. As a result, reps have been overwhelmed with disputes and claims from consumers and have no other choice but to deny the claims even if the claims are valid with substantial evidence like in my case. The joint business with Goldman Sachs and XXXX has been reported as a nightmare by the news outlets and Apple wanting out of the deal by year XXXX. I thought that by having an Apple card was going to be a benefit for purchases but it has been a nightmare with many transactions been denied by the Goldman Sachs Bank from damaged merchandise, cancelled purchases and so on. These problems continue. I want Goldman to resolve my disputes in my favor and admit wrongdoing and to reevaluate their business practices and operations so the burden does not fall on the customers like myself. 
Thank you in advance for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX years ago a company I provide services to sent me an American Express {$500.00} gift card. They have also done this for the past XXXX  years. In preparation to use these cards for a purchase, I went online to check and confirm the balance. The XXXX most recent cards were valid and balances were full, this first card was listed as inoperative. I called the American Express gift card phone number on the back of the card and have spent hours speaking with representatives giving me different informational paths. The most recent person I spoke to on XXXX XXXX said he would send a replacement card in XXXX to XXXX  days. That card has not been received, and when speaking with another agent today on XX/XX/XXXX I was told that I needed to send more documents. I have not used the card and I want them to send me a replacement {$500.00} gift card. This card shows a XX/XX/2031 expiration date. The documents that they are asking me to send include my drivers license, pictures of this card, front and back, and a receipt. No receipt is available as I received this card from a large corporate entity and the people involved in the purchase and gifting of this card are unavailable.

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is not reporting the CORRECT balances on my credit report and due to this I have been neglected several times for credit and other products. Transunion has to report information with 100 % accuracy and everything needs to be updated as it is not. Both XXXX and XXXX updated the balance on my XXXX card. They have missed both XXXX and XXXX reporting and as you can see, it is a HUGE difference in terms of my utilization. from XXXX XXXX to XXXX XXXX. this needs to be fixed now.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
When looking at my credit report, I saw a XXXX XXXX  XXXX showing a high balance ( history ). 

XXXX XXXX of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX That information is not XXXX percent accurate as indicated by FCRA. See the balance in Payment History as of XX/XX/XXXX is {$1700.00}. However, XXXX continues to say that it is accurate. Remove this account as it is not XXXX accurate.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Im am not aware of Resurgent Capital Services and Ive noticed its reported negative info on my credit report XXXX and 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/2023 for XXXX and XXXX but paid on time to Equifax XXXX 
XXXX is showing late XX/XX/2023 for Equifax but paid for XXXX, and late XX/XX/2023 on XXXX but paid for Equifax. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against XXXX Equifax and XXXX unless these accounts are made right to show paid on time.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/year> for XXXX and Experian but paid on time to XXXX XXXX 
XXXX is showing late XX/XX/year> for XXXX but paid for XXXX, and late XX/XX/year> on XXXX but paid for XXXX. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against XXXX XXXX and Experian unless these accounts are made right to show paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: PA

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 U.S.C 1681 HUNTER WARFIELD INC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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: CT

Complaint narrative:
This account is not mine. I have submitted an FTC Identity Theft report, a CFPB complaint and contacted my State Attorney general. Please remove this account ASAP from my report. 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Credit Bureaus selling consumer information to all mortgage lenders after credit is pulled without their authorization.

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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 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:
XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule XXXX. 

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.

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