vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-12 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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:
I purchased bitcoin on my Venmo account several weeks ago. After the purchase a XXXX XXXXXXXX dollars got transferred without my knowledge. Venmo froze my account on XX/XX/ and have done nothing to investigate, refund, or even let me to at least continue to use my account. I use this account to collect and pay rent, and have been unable to do so. Working with their customer service as well as their total neglect to the situation has been more criminal than the fraud that happened. This company needs to have a large scale oversight change and it's literally beyond shocking how a financial company this size is allowed to operate this way in todays world.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
About XX/XX/2022 shortly after having a loan with Fay Servicing and Fay Financial Services I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how XXXX, XXXX, and XXXX are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage Account # XXXX I escrow property tax and homeowners insurance. I changed to XXXX homeowners insurance XXXX XXXX Policy effective XXXXXXXX XXXXXXXX XXXX Annual premium sent to XXXX XX/XX/XXXX XXXX 
I had a fire loss on XXXX. I called to report the claim to XXXX and was told i do not have coverage as of XX/XX/XXXX XXXX 

From XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Rocket Mortgage showed on the rocket mortgage website for my account i had an XXXX XXXXXXXX XXXX. 
Rocket failed to notify me XXXX cancelled me home owners policy resulting in an uninsured loss on my property at XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

XXXX has now placed insurance on my home effective XXXX XXXX  present.This policy does not cover personal property nor temporary housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2024-01-12 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: IL

Complaint narrative:
I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize any above mentioned.

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 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC
State: CA

Complaint narrative:
Good day, my Client Id : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. I was to receive {$1700.00} from CELSIUS NETWORKS, LLC, I receive a email from XXXXcelsiusXXXX to withdraw funds and I did as instructed only to receive an error message, no funds were withdrawn. I replied to CELSIUS NETWORKS, LLC email and it returned undeliverable and I reached out to the helpdesk as stated in the email and it was an invalid link. The email ( see attached ) also states the withdrawal is only valid 24hours, but CELSIUS NETWORKS, LLC is not able to be contacted in case any issue with withdrawing funds. This is not right that CELSIUS NETWORKS, LLC does not give the customer a chance to withdraw funds or contact them in event of error. So CELSIUS NETWORKS, LLC is holding {$1700.00} funds. How can I get my funds withdrawn? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Reported account as 30 days delinquent for XX/XX/2024. Payment was made and received to Santander on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I mailed in a 3rd party check to pay down my credit card ( Macy 's Amex/CBNA ) in the amount of {$10000.00} on XX/XX/XXXX. I received an email on XX/XX/XXXX 'Confirming your Billing Dispute '. I did not create a billing dispute so I called and spoke with someone who kept claiming I had created the dispute. I escalated to a " supervisor '' who told me the dispute was created in their back office but she was not sure why and that they shouldn't have used the wording. The dispute created stated the following : Mailed Payment is Missing, amount {$10000.00}. I had not called to let them know of the payment and had not checked to see if the check had cleared my account prior to this dispute being made. The person I spoke with said that they would look into it and for me to give it a couple days and then call back. Which I did on the XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. All calls that resulted in the same thing, they didn't know anything about the payment and could not tell me why the dispute was created. On XX/XX/XXXX I spoke with another " supervisor '' who advised that she would send a letter to their back line team to find out why they created the dispute and they would have 5-7 business days to respond. I called the third party who wrote the check and the check cleared on XX/XX/XXXX. I had to make a payment on XX/XX/XXXX in the amount of {$380.00} as to not incur a late fee, a payment that was on the total amount of the bill even though I had already made a {$10000.00} payment that they have somehow misplaced. As of today XX/XX/XXXX, the payment is still not showing applied in my account but I verified that the check did clear on XX/XX/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 monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
We are going through XXXX XXXX XXXX to help us with our high interest credit cards and the private Navient loan we took out for my husband 's school over 15 years ago. 

We lived in XXXX  when taking out the loan, but have since relocated to XXXX  XXXX. Navient first called me and had our XXXX address on file, so I updated it to our address in XXXX. They were then informed by both me and my husband that we would not be making a payment at that time since we were doing XXXX. 

Since then, they call us both every morning between XXXX and XXXX. We have both told them that we live on the XXXX XXXX and to not call us before XXXX PST, but they ignore us and continue to do so. They also call XXXX times a day to each of us ( for a total of XXXX calls a day for the household ). 

We just want them to stop calling us so early. Asking them not to call us so early has not worked at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: OH

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-01-12 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: OH

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX XXXX # XXXX THE XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
My bank is XXXX and it is connected to my Venmo account. I paid another person on Venmo {$650.00} in XX/XX/XXXX. I later disputed the charge as I incorrectly thought it went through twice. When I submitted the dispute through my bank they alerted Venmo and Venmo took the money back from the other user I had originally sent the payment to. Later, I received a letter from my bank stating the fraud investigation is done and Venmo proved the transfer was legitimate and legal so the dispute was denied. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and Venmo multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact Venmo. When I contact Venmo I get a different answer every time but they always say to call my bank. The original receiver and myself have since received multiple responses from Venmo/Paypal that the investigation done by XXXX was done and found to be in my favor but I did not get the money. The investigation that XXXX conducted was not found to be in my favor, so that is a lie from Venmo. I received a call from XXXX today XX/XX/XXXX from someone with the CEOs office stating that when they conducted their investigation and found that I was liable for the money, at that time the money was sent back to Venmo. Which makes sense because thats how disputes work. Venmo refuses to provide the money or contact me back to settle this. So now Venmo needs to either send that {$650.00} to the person I sent it to or send it back to me so I can send it to her through a better money transfer service. I will not be letting this go until Venmo gives me the money and provides detailed documentation showing all of the moneys movement including after the dispute was investigated and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Grain Technology, Inc.
State: AL

Complaint narrative:
I have been having problems with this company as of XX/XX/XXXX when it unlinked my auto pay account from the application. This then causes a late payment on my account. Since the app did not allow me to log in to pay. Eventually fed up with this company I paid the balance in full and requested that my security deposit be returned XX/XX/XXXX. Ever since I have been unable to login in the application to request my account to be closed. Its as if I am being punished for paying my balance

Company response to consumer: Closed with explanation