vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: AL

Complaint narrative:
On XX/XX/year>, I initiated a bank transfer from my bank to my Venmo account in the amount of {$1600.00}, with a clear date of Tuesday XX/XX/XXXX. At XXXX on XX/XX/XXXX a direct deposit in the amount of {$1100.00} was deposited into my Venmo account ( a biweekly deposit for over a year ). At XXXX my account was frozen due to suspicious activity. I noticed Friday XX/XX/XXXX that my account my frozen and submitted the requested id verification to Venmo. On XX/XX/XXXX I received an email from Venmo that I was in violation of the user agreement and my account was permanently suspended. I was also informed that all money in the account would be held for up to 180 days for security reasons. When I inquired as to what i violated, they wouldnt tell me. I explained this was my rent money and then inquired about my pending bank transfer of {$1600.00} into Venmo. At that point on XX/XX/XXXX, there was only the {$1100.00} in the account. I called customer support twice and was told that given my account status that the pending bank transfer would be rejected from Venmo and would be sent back to my bank ( discover ) on XX/XX/XXXX and would receive it by Friday. At XXXX on XX/XX/XXXX Venmo allowed the bank transfer to go through even though they permanently deactivated my account the day before. I sent several emails to the account specialist as to why the transfer from my bank to Venmo was allowed after being told it would not be. Venmo never answered my question and proceeded to inform me again that my money was going to be held for up to 180 days and they were not going to respond any further and the case is considered closed. I offered to submit bank statements and whatever else they needed to release my {$2700.00} in my Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-30 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: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-30 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-30 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file immediately : Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2900.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file immediately : Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2900.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast credit union, 2020, I XXXX XXXX XXXX. It left me XXXX and unable to return to work. I voluntarily returned the car to the credit union. I could not afford the car any longer. I would like to please ask if you can remove this from my credit report. THANK YOU, GOD BLESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: OH

Complaint narrative:
I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX ACCOUNT NUMBER : XXXX ( TRANSUNION ), XXXX ACCOUNT NUMBER : XXXX ( TRANSUNION ). Credit Bureaus : TransUnion, XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX, and XXXX ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Account name JEFFERSON CAPITAL SYST Account number XXXX Original creditor XXXX  This account is being reported to all 3 bureaus by jefferson capital but it is incorrect. the debt has been paid and it needs to be deleted immediately i was given a payment confirmation number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-30 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have had several issues with MOHELA since signing up for autopay, but this issue has been the most disheartening and disappointing. I have found charges from previous months with three discrepancies and one payment that has not registered at all. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement has a payment of XXXX reported. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. 

Lastly, I had two charges of XXXX that came out this month, in addition to additional charges ( those have registered on my account, thankfully ), but one payment, the one on XX/XX/XXXX, has not registered on my account at all.

In total, my student loan account is missing XXXX, in addition to whatever I paid on interest that didn't calculate the correct amount that I actually paid.

When I called about the issue, I was put on hold for 2 hours after speaking to someone who redirected me to customer service. I never was able to speak to them and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-30 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: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2024-11-30 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach and identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have all fraudulent information removed from my credit file.

The following accounts have been fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$250.00} XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$760.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$6000.00} XXXX  - Account # XXXX - Opened : XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$230.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$590.00} 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-30 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: KY

Complaint narrative:
I just reviewed my Transunion credit report and found that it is inaccurately reporting the following accounts as being late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These late payments are damaging my credit, and I demand that these late payments be removed from my credit report immediately. This violates my consumer rights according to the FCRA. The FCRA law 15 U.S. Code 1681a ( 2 ) ( i ) - Exclusions : States that Transactions ( late payments ) are not to be reported on credit reports. Another violation is 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, these accounts are not reporting with 100 % accuracy and must be deleted immediately. Please Delete these late payments and update my Payment History to PAANL status immediately. Also, mail me a corrected copy of my credit report as soon as possible. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.

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 2024-11-30 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach and identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have all fraudulent information removed from my credit file.

The following accounts have been fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$250.00} XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$760.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$6000.00} XXXX  - Account # XXXX - Opened : XX/XX/XXXX - {$25000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$230.00} XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - {$590.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation