vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
I hosted a college graduation party for myself and a few of my friends. I was the one in charge of booking a venue and hiring a band for the event. After booking the venue and band, I was in a hole of about {$2000.00}. When the day of our event rolled around, everyone that attended venmo 'd me XXXX to cover the band and venue cost. Two days later, someone that had venmo 'd me requested a chargeback at XXXX, which I think was a response from his bank. 10 minutes later, venmo had already froze my account and locked all the funds in it without even asking any questions. Since we provided a service, this is a fraudulent chargeback and venmo didn't even try to make things right ; they just upright banned me with the money I needed to pay the venue still in my account. This money is now in limbo and I am having to tell the venue that I need more time because I don't have that kind of cash to pay for something like that. Venmo is illegally holding {$2200.00} in my account and suspended my use of the platform without any basis that I violated any rule in their TOS. All they stated is that I apparently was involved in a high-risk activity. I don't think a college graduation party is a high-risk activity. 

I also followed the steps to get my account back, such as submitting an ID photo. The email says " follow these steps to get your account reinstated- Submit an ID Photo ''. This seems a little misleading because now they have my ID picture on file, I don't know where its saved, and they are already operating with predatory practices so how am I supposed to trust them with this use of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened with XXXX XXXX XXXX opened on XX/XX/year> with the account number XXXX. This account has resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard Inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Every year since the pandemic I have been getting different collections on my credit report from XXXX and XXXX It has been 3 different collection agencies in the past XXXX XXXX reporting that I owe XXXX {$1600.00} and XXXX {$580.00} I have never had XXXX or XXXX in my life. Every year I have to call XXXX, XXXX and XXXX about these collections and it will get removed and the next year another collection company buys it and put it back on my credit report, And Im tired of having to dispute these collections every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TN

Complaint narrative:
There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of XXXX I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXXXXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXXXXXX XXXX to pull my credit several times I need this corrected and for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX 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 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
This is a follow up complaint regarding the previous complaint XXXX. The response did not address the issues and gave false information. 
The company states they record all calls and you must consent. The company refuses to all the customer to equally record the call. The company has on file each and every conversation. 
XXXX. Issue is the company representative verbally on numerous occasions in providing forbearance stated the amount would be put on the back end of the loan when the forbearances first and second were over. The company refused to do so at the end and demanded full payment. This is a bate and switch. 
XXXX. At no time did I verbally apply for a modification. I did not sign for a modification. I did not provide financial documents for a modification all required for a modification. I did not apply or request a modification. If their representative did so it was without my authorization. Any fees associated with this were without my authorization verbally or in writing. I do not owe these. 
XXXX. In writing on XXXX occasions and in multiple conversations I asked only that the forbearance amounts be put on the back end of the loan as stated by their representatives at the time of requesting the forbearances and as explained by them. 
XXXX. The company filed for foreclosure prematurely. I dispute all fees regarding the XXXX foreclosure. In the appeal response the company requested a response with more information in XXXX. Before that could be responded to they filed for foreclosure almost immediately. The company representatives in multiple conversations after the appeal was rejected verbally stated I had until the end of XXXX to pay the full amount. The next payment would be due XX/XX/XXXX. The company was advised I would make the payment before the end of XXXX which I did in full. They were advised I was filing complaints here and State agencies against their practices. Knowing this the company filed for foreclosure before the end of my deadline. This foreclosure should not have been filed and I dispute all fees. 
XXXX. The company then said the representatives were incorrect and the payment was due XX/XX/XXXX and not XX/XX/XXXX. Making a XX/XX/XXXX payment after paying nearly {$11000.00} impossible. 
XXXX. The company sent a demand for the fees supposedly in XXXX but it included an XXXX late payment. it was sent to me in XXXX but dated XXXX. 
XXXX. The company representatives have advised me I may not make my XXXX or XXXX payments since a demand has been filed and they do not accept partial payments. They are preventing me from staying current on my payments and incurring additional late fees over a demand for fees I dispute here. 
XXXX. Since the first complaint a new demand has been issued for the payments and fees I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
Formal Request for Immediate Validation or Removal of Disputed Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) I am writing to formally dispute and demand immediate validation of the XXXX XXXX  account ( Original Creditor : XXXX XXXX XXXX XXXX ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$2900.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Status : XXXX I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information you report. Additionally, the FCRA mandates that any information found to be inaccurate or unverifiable must be promptly deleted from my file. 

Furthermore, I request validation of the following : Original documentation proving that I authorized the opening of this account. 
Detailed records showing any and all payments or transactions related to this account. 
Verification from the original creditor ( XXXX XXXX XXXX XXXX ) that I am liable for this debt. 
Failure to provide this validation or a timely removal of this account is a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which prohibits the collection of debts without proper validation. Reporting unverified or inaccurate information also violates 15 U.S.C. 1681s-2 ( b ), which prohibits the continued reporting of inaccurate or unverifiable information after a dispute has been raised. 

Furthermore, the use of collection accounts is illegal if proper validation is not provided or if the debt is misreported. If you can not verify the validity of this account, I demand its immediate removal from my credit file, as is my right under the FCRA and FDCPA. 

Please provide a written response confirming the outcome of your investigation within the 30 days required by law. If this account is not removed or validated, I will be forced to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to formally submit a complaint against Credit Collection Services ( the Respondent ) regarding their refusal to validate a debt and their potential violations of various consumer protection laws. 

On XX/XX/24 I received a communication from Credit Collection Services asserting that I am liable for an alleged debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a written request for validation of this debt within the mandated 30-day period.

My request included : The exact amount of the alleged debt.

The name of the original creditor to whom the debt is allegedly owed. 
Documentation verifying the existence of the debt. 

Despite my lawful request, Credit Collection Services has failed to provide the required validation. This refusal constitutes a violation of the FDCPA and raises serious concerns regarding the accuracy of information potentially reported to consumer reporting agencies, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Additional Violations : I believe the Respondent may also be in violation of the following laws : Consumer Financial Protection Act ( CFPA ) : The Respondent 's failure to validate the debt may be considered an unfair or deceptive act, which is prohibited under this act.

Truth in Lending Act ( TILA ) : If the Respondent misrepresents the terms or conditions of the debt, this could constitute a violation of TILA.

Credit Repair Organizations Act ( CROA ) : If the Respondent is misleading consumers about their rights concerning debt validation, they may be in violation of the CROA.

State-Specific Debt Collection Laws : The Respondent may be violating applicable state regulations concerning debt collection practices, particularly in failing to provide validation.

Unfair and Deceptive Acts and Practices ( UDAP ) Statutes : If the Respondent misrepresents the debt or engages in misleading collection practices, they may be violating state UDAP laws.

Impact : The Respondent 's failure to validate the debt has caused me considerable distress and uncertainty regarding my financial obligations. Additionally, their actions may adversely affect my creditworthiness and financial standing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-10-02 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: SC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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 2024-10-02 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: SC

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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 explanation
Consumer complaint received 2024-10-02 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: AL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing 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