vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
I am writing to file a formal complaint regarding XXXX handling of my account under the email address XXXX and associated with phone number ( XXXX ) XXXX. 

I opened a Venmo account in XX/XX/XXXX. Shortly after opening the account, I attempted to send a small amount of money ( approximately {$20.00} or so ) to a friend. The transaction failed, and upon retrying, my account was frozen without warning. I was not requesting or receiving money only trying to send my own funds. Despite this, I received a message on XX/XX/XXXX stating that my account was permanently deactivated due to suspicious activity, but no specific reason was ever provided. 

Since that time, I have made multiple attempts to resolve the issue. I submitted a photo of my drivers license to verify my identity and requested either a reactivation or at least the deletion of the account so that I could reclaim my phone number. My requests were consistently denied. 

Most recently, on Friday, XX/XX/XXXX, I reached out again and was asked to resubmit my ID. I complied. After a short review, I was informed by a different department that my account would remain permanently deactivated and the case is closed again, without providing any explanation or option to delete my data or phone number. 

This is highly concerning for several reasons : I have been given no transparency about the reason for the suspension. 
Venmo has refused to delete my personal data, including my phone number. 
I am effectively blocked from creating a new account or using Venmo services due to data they refuse to release or remove. 

I believe this practice is unjust and violates basic consumer protection principles, possibly infringing on data privacy rights under state or federal law ( such as the XXXX, if applicable ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am the beneficiary of the account currently held under the name of XXXX XXXX. I am now XXXX XXXX XXXX and legally an adult. I am requesting that all funds withdrawn from this account be returned and that the account be transferred into my name. I have hired an attorney and will be issuing a subpoena for all bank statements associated with this account. The most recent address linked to the account, as of XXXX weeks ago, is : XXXX XXXX XXXX, XXXX, XXXX  XXXX Please treat this matter with urgency and respond accordingly. Sincerely, XXXX 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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERVICES has contacted me repeatedly by phone and text, often during inappropriate hours. One call occurred on a Sunday at XXXX XXXX, and Ive received multiple early morning messages before XXXXXXXX XXXX Despite asking them to stop contacting me, they have continued to reach out from different numbers after I blocked their previous ones. 

This communication is harassing and XXXX XXXX especially considering it occurred during a difficult time while I was undergoing XXXX. Additionally, they attempted to collect on medical bills that were already paid in full, which added further confusion and XXXX 

I want this company to stop all forms of contact immediately and ensure that no further attempts are made to collect on debts that were already resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
While checking my credit, I noticed that my score had drop drastically due to student loans that I did not authorize nor agree upon. The student loans are from a company called XXXX XXXX. I have never taken out a student loan with XXXX XXXX and have no idea what XXXX XXXX is. I would have never taken out a student loan with XXXX XXXX, because I don't agree upon their terms, conditions, nor payment requirements ; So I know for a fact that I never took, nor signed for a student loan with XXXX XXXX. 

XXXX XXXXXX/XX/year> {$2300.00} XXXX XX/XX/year> {$3700.00}

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
While checking my credit, I noticed that my score had drop drastically due to XXXX loans that I did not authorize nor agree upon. The XXXX loans are from a company called XXXX XXXX. I have never taken out a XXXX loan with XXXX XXXX and have no idea what XXXX XXXX is. I would have never taken out a XXXX loan with XXXX XXXX, because I don't agree upon their terms, conditions, nor payment requirements ; So I know for a fact that I never took, nor signed for a XXXX loan with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I was a victim of a " Job Scam. '' I was told to upload a check to my account and the check was fraudulent. i did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-12 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
I checked my credit report and theres a collection on my account from XXXX XXXX XXXXXXXX XXXX XXXX. I looked this company up online and its a leasing office for a XXXXt living residence called the cottages at XXXX XXXX. Never have I moved here or sign any documents from or to this company, I never lived here or anything!. There saying I owe {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I called because I never got any information from this debt that I owed because I was told by the hospital that is was covered when I went. Two years later now I get {$1000.00} bill in collection Im confused I dont know whos this is from so I call the collections its under they say they need my social security number to verify what the debt is from and I was XXXX enough to give it and they told me I need to pay a hospital bill from two years ago but wouldnt give me any other information on what it was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I Purchased a VIP membership in an online gaming site, that was supposed to provide me with 24 hour redemption of winnings. This was never the case. Initially I was able to redeem some winnings, but then there was delay upon delay upon delay, until finally the merchant abruptly closed my account, while he still owed me {$25000.00}, changed its rules regarding redemptions, absconded with the rest of my money in the account, closed their customer service phone line, and website to any further communication. I reported this in a timely fashion to Citibank, my credit card company, and they have all the documents related to this dispute, and for some strange reason ( that was never explained ) decided to give me only a provisional credit for a total on {$990.00}, instead of the full amount charged {$29000.00}. When I contacted citicard dispute department, they said simply that they were reversing the provisional credit, but couldn't tell me why they did not pursue the matter with the merchant. To my knowledge, the merchant chose to ignore their inquiries, just like the merchant has ignored me. The merchant is known as XXXX and from what I have been able to tell from an online chat forum, I am not the only person that this happened to. In other words, there is widespread fraud regarding this merchant, and Citibank refuses to pursue it. If CFPB would like these documents, please provide a fax number that I can send them to.

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 2025-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of Unauthorized Credit Inquiries Business Name : XXXX XXXX XXXX XXXX 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 Nature of Dispute : This inquiry was not authorized by me. I did not apply for credit or give permission for this company to access my credit report. 

Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of Dispute : This inquiry was not authorized by me. I did not apply for credit or give permission for this company to access my credit report. 

Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Nature of Dispute : This inquiry was not authorized by me. I did not apply for credit or give permission for this company to access my credit report. 

Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of Dispute : This inquiry was not authorized by me. I did not apply for credit or give permission for this company to access my credit report. 

Business Name : 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 Nature of Dispute : This inquiry was not authorized by me. I did not apply for credit or give permission for this company to access 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ALCAR INC.
State: VA

Complaint narrative:
I took out a personal loan from XXXX, which was funded by DR Bank, in the amount of {$5700.00}. The loan was issued with an APR of approximately 30.53 % and requires monthly payments of {$240.00} over a 36-month term. The loan was issued around XX/XX/year>, with the first payment due in XX/XX/year>. 

At the time I agreed to the loan, I understood that the rate was high but did not fully understand how expensive the loan would be over time. I have since learned that XXXX  law imposes strict limits on interest rates for consumer loans, and I am concerned that the terms of this loan may exceed the legal maximum for a loan issued to a XXXX  resident. 

The lender is a XXXX bank, but I live in XXXX  and believe state law should protect borrowers from this kind of high-cost lending. I am submitting this complaint to have the CFPB review whether this loan violates applicable laws and what relief, if any, I may be entitled to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/year>, KeyBank adjusted a deposit that was made on XX/XX/year>. I had done a mobile deposit and failed to recognize that the numerical amount was different than the written amount. The paycheck was for {$1900.00} in the numerical portion and the written was one thousand seventy dollars. I showed my employer that they had taken {$900.00} out of my account and my employer made me whole by giving me a {$900.00} check. 
Later my employer told me that her bank had honored the check for {$1900.00}. 

I had called Keybank to ask if they were going to send the overpayment of {$900.00} back to my employer 's bank. They told I had to pay it. I tried to explain to them that they had already taken the {$900.00} from my account. My husband got on the phone and was yelling, not threatening or cussing, they put us on hold and came back and said this matter is closed. 
We deposited {$600.00} on the following Friday to cover check that were automatic payments. Keybank returned all the automatic payments and kept the {$600.00} which left us a balance of {$940.00}. They are returning deposits from social security. 
We recieved a letter 3 days after this incident saying we had committed fraud and they would take up to XXXX days to review, I have been a customer at Keybank for over XXXX years. I did once before make a mistake on a mobile deposit. I am almost XXXX XXXX XXXX and I clicked a zero twice. I called to fix it and tell them what happened but Keybank told me they had to let it go through the process. I never received any extra money. They are using this incident to say I have a pattern. 
Can you please help me.

Company response to consumer: Closed with monetary relief