vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I accidentally paid my XXXX bill  from my American First Credit Union checking account instead of my usual checking account. I did not have funds in the American First Credit Union checking account to cover the amount I sent to XXXX, so I got an overdraft fee ( I am fine with the fee ), and XXXX sent the payment back to American First Credit Union. ( See document ) American First Credit Union can not accept the payment reversal from XXXX even though XXXX has sent back the money to American First Credit Union. Basically, I am not only out the overdraft fee but also the amount I paid to XXXX, the amount XXXX sent back to the American First Credit Union, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

XXXX. XXXX XXXXXXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
XXXX. XXXXXXXX XXXX Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
XXXX. XXXX Account Number : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX payment status is reporting different amount of times to each reporting agency. 
XXXX. XXXX XXXX Account Number : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
XXXX. XXXX Account Number : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over one week ago ). I was told I would receive a paid in full letter within 24 hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. 

This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within 5 days. It has been 7 with no progress. 

Until I have that letter, I'm in a constant state of XXXX waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX I received a text from someone that had a property to show me. I had entered my phone number on all these rental websites that I really do not know how he git my number. I went to the property he told me. Has to be verified through XXXX to get the access code to enter the property which I Did. Looked at the property he was on the phone with me. We agreed and sent him {$1000.00} for deposit and {$1100.00} for the rent so I can live there. Later on, he sent me the contract. It was misspelled, unprofessional and had a whole different address. I no longer wanted that property because well thats when I realized I had been scammed. He didnt answer my calls, told me he got pulled over. Disputed with my bank, told the officers, but closed case. Because They say its my fault and how do they know Im telling the truth. I got the deeds to the house from my local court house and his name is nowhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the consumer report inquiries conducted on my behalf without explicit permission. I did not authorize of any such investigation, and I request immediate deletion and clarification of this matter. I have filed a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a transfer by mistake to an account that I have never had in the Chase Bank application and that appeared there and very similar to my personal account, my personal account that ends in XXXX and to the account that was sent the amount of {$10000.00} that ends in XXXX and the Chase bank says that it can not recover said amount from the other bank and I have called them on repeated occasions and they only tell me to wait and wait, until today they tell me that they can't do anything and they can't give me No information on where the money went since they deleted the account from their system and they asked me to find a lawyer to recover the money. 
I want to know how I can claim this amount of money since Chase Bank does not want to help me solve this problem and the bank that received ( XXXXXXXX XXXX XXXX ) says that only Chase Bank can recover it. 
This happened on XX/XX/XXXX I sent {$10000.00} from the Chase Bank business account to an account that I do not recognize that was in my bank application in termination # XXXX and the name of the bank is XXXX XXXX XXXX in the name of XXXX XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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:
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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:
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPORTUN FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter dated XX/XX/ from Opportun Visa Credit Card issued by XXXX in regards to my account ending in XXXX. The letter advised my account was closed due to inactivity. The account was open 148 days. I opened the account XX/XX/3 and it was closed XX/XX/. I am demanding this account be re-opened or will pursue legal action against the creditor. They should as a courtesy send a reminder letter ( as most creditors do ) that the account will close in so many days if the account isn't used. This account wasn't even open 6 or 5 months, and now its going to be affecting me in a negative way on my credit report - will report as account closed by credit grantor ; which makes it look bad on me to other creditors and lenders. I called customer service and they say is that I can re-apply for another account when i get another invite, in which they don't know when that will be. I disagree with this whole mess they caused. I don't care what Section 32 states about closing or suspending an account. This creditor is a subprime lender that preys on customers with low credit scores and bad credit. Since I don't fit that criteria of a low credit score or bad credit, they take advantage of me by closing my account to hurt my credit by closing it with it only being not open not just 5 months. I want something done about this and the account back to the way it was. I am not, will not, and will not accept NO or there is nothing we can do as an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
wells Fargo put a hold on my accounts because of my address not being updated i went into a branch and did it on XX/XX/2023 but they needed to verify the address which they did not do until XX/XX/2023 and there is still a hold on my accounts.

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 2023-11-15 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: FL

Complaint narrative:
As of XX/XX/23 XXXX XXXX  has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 years.

15 usc 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. 

XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX They have violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 
Under 15USC 1681, Section 602 states I have the right to privacy.

Under 15USC 1681, Section 604A, Section 2 states a consumer reporting agency can not furnish an accout without my written instruction.

Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : XXXX XXXX XXXX Venmo for Inadequate Response to Fraudulent Activity Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo, a financial technology ( XXXX ) company, for their failure to take appropriate action following a scam that resulted in a personal loss of {$200.00}. This incident occurred on XX/XX/2023, when I attempted to purchase tickets for a XXXX XXXX game through the XXXX marketplace, utilizing Venmo for the payment. 

Details of the Incident : The scammer promised to electronically transfer the tickets upon payment confirmation. 
After sending the payment, I was informed that the funds were on hold for 21 days and was promised a refund, which was never received. The scammer then requested an additional payment to a different Venmo account, which I recognized as fraudulent and did not proceed with. 

Despite providing Venmo with detailed information about the scammers, they failed to take any action in returning funds. Venmo knows these are fraudulent accounts, yet does nothing to protect the general public from them. Inaction is action as Venmo is now complicate in the fraud. 

Key Issues : Venmo 's Failure in Addressing Fraud : Venmo 's lack of action in the face of clear evidence of fraud is alarming, especially considering their access to KYC information and ability to track fraudulent accounts. 

Lack of XXXX XXXX : The XXXX sector, including Venmo, operates with minimal regulatory oversight compared to traditional financial institutions, leading to a neglect of consumer protection responsibilities. 

Inadequate Privacy Policy and Terms : Venmo 's terms and privacy policy seem to prioritize their interests over consumer rights, highlighting the need for regulatory enforcement of fair business practices. 

Reference to Federal Case : I would like to bring to your attention a relevant case : On XX/XX/2023, the CFPB fined XXXXXXXX XXXX  {$9.00} XXXX for their inadequate handling of fraud disputes and denial practices. This serves as a precedent for the necessity of holding financial service providers accountable for consumer protection. 

Request for CFPB Action : I urge the CFPB to thoroughly investigate Venmo 's practices in handling fraud complaints and to evaluate their approach to consumer protection. 
This incident underscores the need for greater regulatory scrutiny and consumer protection measures in the XXXX industry. 
I am willing to provide further details and support the investigation, including signing an affidavit to verify the authenticity of my claim. 
I trust that the CFPB will address these concerns with the seriousness they deserve and initiate appropriate actions. Thank you for your attention to this urgent matter. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 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: MI

Complaint narrative:
I have contacted XXXX XXXXXXXX XXXX  XXXX for debt verification they have failed to provide. I have contacted Equifax and XXXX for any form of verification they have failed to verify. Collection activities have continued after I have notified all parties in writing that the account is in dispute. I am requesting immediate removal from my credit report

Company response to consumer: Closed with non-monetary relief