vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I transferred {$3800.00} of XXXX from my investment wallet ( XXXX XXXX  ) to my Venmo XXXX Wallet. The next day, XX/XX/XXXX, I transferred another {$3900.00} from my same Trust XXXX wallet to my Venmo XXXX wallet. The purpose was to eventually sell the XXXX, now in Venmo, and use the funds to pay for a cruise and additional expenses. I did not plan on selling the XXXX until Monday, XX/XX/XXXX, and then pay for the cost of my cruise using my Venmo debit card. After transferring the XXXX to Venmo, the value had increase by over 6 %. I decided it was best to go ahead and sell the XXXX after making enough to cover the sales fee of {$90.00}. This is nothing new. I have transferred Crypto funds to Venmo in the past, large amounts as well. All the sales and transfers were instant. Crypto sales are immediately available after clearing the XXXX usually within an hour. This time on XX/XX/XXXX, the XXXX sale was processed, and Venmo placed a seven day hold on the funds " pending settlement of the funds ''. This is a misleading statement as there is no such thing as XXXX sales taking that long to settle. Venmo likes to make up rules and use them to their advantage, never having concern about the immediate needs of their customers. I expected and was lead to believe, based on all other sales and transfers, that my XXXX sale cash would be available immediately and not seven days later. I've been trading XXXX for over three years, and never have I had a hold placed on the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: TX

Complaint narrative:
I have requested from : Equifax, XXXX XXXX XXXX to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and disability thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX, XXXX  XXXX acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX acct XXXX ending in XXXX, unknown account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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:
I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are 15 unauthorized accounts and 15 inquiries that were placed on my report without my knowledge or consent. 

Fraudulent Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of 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 2024-08-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-26 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: FL

Complaint narrative:
I recently reviewed my XXXX XXXX and noticed several late payments on an account I was never late for. The account is for XXXX XXXX and XXXX account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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
Consumer complaint received 2024-08-24 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: NV

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 2024-08-24 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: Chime Financial Inc
State: CA

Complaint narrative:
On my credit builder account with the company chimes bank I overdrafted my account by {$21.00}. I have tried to pay the account but chimes has stated I am unable to do that because the account is closed. I asked them how would I pay it off because I do not want it on my credit report. They had told me I cant. Ive been dealing with them since they closed my account which happened in XXXX, 2022. After so many calls on asking what can I do they had brought my account statement to {$0.00} which means it was paid in full. It still shows on my credit report that I owe them {$21.00}. I went to the XXXX credit bureaus, XXXX, XXXX, XXXX, and filed MULTIPLE disputes on regards to incorrect information on my credit report with chimes banking. Every single dispute was denied by chimes. I would call chimes asking why would they deny my dispute and they stated they cant do anything about it. I asked for bank statements and also a letter stating I dont owe them anything. I was able to receive that from chimes. I resubmitted my dispute with the documents I received and still was having my dispute denied. No changed to my credit report and still shows I have XXXX XXXXXXXX with chimes. I will provide the documents needed to help my case, please help, I dont know what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: TX

Complaint narrative:
Since I registered my Venmo they always keep suspending my account and asking me to provide my information everytime which I always did but and they will unfreeze it but on XX/XX/year>XXXX  my Venmo account was permanently deactivated with my balance of {$600.00}, they didnt give me my money back and I cant have access to it. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
In XXXX of 2023 I received my income tax funds however Chime Credit Builder immediately froze my account and asked me to submit and verify all of my tax information and documents. A week later they proceeded to unlock my account. Literally 2 days later I realized my account had been locked again. To this day ( exactly a year later ) I still cant get access to my account or funds. Ive tried several of times to get this issue resolved however every time I contact them for them to unblock my account they ask for more and more proof or paper for them to verify and keep telling me to send them the same proof Ive already submitted numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NY

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Good Day, Upon Checking My XXXX XXXX XXXX XXXX in XXXX, I realized that I had a " Collection '' from a Company by the Name of : Transworld Systems Inc. who apparently has " Several '' XXXX XXXX XXXX and or Addresses as I have seen over this time period via XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Addresses for this Company is/are as follows : XXXX XXXX XXXX XXXX XXXX PA XXXX And : XXXX XXXX XXXX, XXXX DE XXXX XXXX And : XXXX XXXX XXXX XXXX DE XXXX And Whose Contact Number ( XXXX ) is/are as Stated on My Credit Reports is XXXX XXXX all XXXX  XXXX  Credit Bureaus XXXX This XXXX XXXX Transworld Systems Inc., a Company that I have No Contractual Obligation to, listed, with varying Account Numbers, along with My name, the following account as being owed to them as a Debt/Collection : RE : COLLECTIONS ACCOUNT # XXXX ( Partial Account # ) Which is illegal as per FCRA {$360.00} Past Due I then proceeded to Send Various Correspondences to this Company via the varying Address ( s ) that they have provided via each pull of My credit reports, seeking Validation, Proof of Ownership and Written Proof of Contractual Obligation to them . 

The First Certified Letter of Dispute and Validation was Sent on XX/XX/year> and I received proof of signed receipt by an Agent of said Company. I received NO Response as per My request. 

I followed up with Two More Requests Dated, Respectively on XX/XX/year> and Finally on XX/XX/year> requesting validation as per FCRA law and I have still to receive a response from this Collection Company and this Derogatory still remains of My Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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:
This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. These include : Account Name : XXXX XXXX & Account Number : XXXX  ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX & Account Number : XXXX  ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX & Account Number : XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX & Account Number : XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX & Account Number : XXXX ; Credit Limit {$400.00} Account Name XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) & Account Number XXXX XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX & Account Number : XXXX ; Charge Off ; Date Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I request that TransUnion, XXXX, and XXXX block and delete these items from my credit report within four ( 4 ) business days.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that XXXX, XXXX, and Equifax block and delete these items from my credit report within four ( 4 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that XXXX, Experian, and XXXX block and delete these items from my credit report within four ( 4 ) business days.

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