vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Starting more than a year ago, I began contacting Venmo to notify Venmo that someone is using my email address on a Venmo account that is not mine. I HAVE NEVER OPENED A VENMO ACCOUNT, and I am 100 percent positive about this. Venmo supposedly looked into it, froze the fraudulent account, then notified me that it was unfrozen. I continue to receive emails from Venmo about quarterly statements being ready. 

I have attempted to log in to this fraudlent account and close it, but Venmo 's system does not allow me to change the password because I can not provide the fraudster 's phone number or bank account. Well, of course I can't, because I did not open the account. 

The emails I receive from Venmo say this fraudster has been a Venmo user since XX/XX/year>, which coincides with the time when someone made an unauthorized purchase using my PayPal account! Venmo and PayPal are owned by the same company, so I am sure this is how the criminal was able to use my PayPal account. 

I am caught in an endless loop of probably AI bots, so no human being probably ever has taken a look at this. I can not make Venmo understand that THIS IS NOT MY ACCOUNT. I have never had a Venmo account and do not want a Venmo account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-28 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 XXXX XXXX XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you because Mercedes Benz of XXXX XXXX, violated so many of my rights and then denied me extension of credit. Mercedes Benz of XXXX XXXX, stated that their decision is not based on my credit score, then later stated that they made their decision based on my credit score and that is why they denied me and according to 15 U.S Code 1681b, They did not get authorization from me to pull my credit more than once, even after I asked was it mandatory. Mercedes Benz also violated 15 U.S. Code 1662 ( 2 ), that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments. The guy that was assisting me said that my downpayment and monthly payment will change according to my credit score. which ties into the next violation, 15 U.S. Code 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. I did not want to put a downpayment or agree to a co-signer so they denied me. Also, according to 15 U.S. Code 1611, Whoever willfully and knowingly gives false or inaccurate information or fails to provide information shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Even after I explained this to Mercedes Benz XXXX XXXX XXXX employees they still insisted to tell me I am wrong and kept trying to pursuade me to get a different car than I picked. I was told that I was not denied or approved, I asked the young lady for my Truth and Lending act while I was at the dealership and she told me that in order for me to receive a copy of my truth and lending, I would have to be approved and sign the contract. So nothing was explained to me all the way. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NC

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. 
Account : XXXX XXXX XXXX : # XXXX Account : XXXX : # XXXX Account XXXX : # XXXX Account : XXXX : # XXXX 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. 

I have already submitted several complaints through Equifax, XXXX, and XXXX and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the three. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
XXXX XXXX XXXXXXXX Reporting different dates in which account was open across Equifax, XXXX, and XXXX. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NJ

Complaint narrative:
XXXX XXXX and Experian are reporting unverifiable accounts on my consumer reports and I demand that they are deleted.

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 2024-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been charged for fees since XXXX of XXXX $ for not having any declaration of home insurance when I have always had home insurance. I also have been sending letters and asking to cancel my escrow account but nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received notice that an account was sold to a third party however I never received information about who the account was sold to. Please provide me with information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Relieved a letter stating they are suing for unpaid balance belonging to XXXX. A laptop bought in 2021 while residing the state of Texas. I now live colorado and have been sued and have my wages garnished. The court hearing was expected on the thought it was only a scare tactic and not a real court document. Did not know how to check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: KY

Complaint narrative:
I noticed that I had something negative show on my credit report for more than 30 days from XXXX XXXX. 

I suspected fraud on a card that I had for just 4 months. I called to report it and close the account. I closed my account due to suspected fraud. 

So, I called to find out why they didnt remove the charge. They claimed that they have been sending me a bill but they werent.. they had an email address from my XXXXXXXX XXXX  and that is no longer my email address and no one there was able to help me get it changed. 

I disputed again XXXX more times and each time, the bank credited my account until the dispute was complete. They removed XXXX of the XXXX dollars and left me accountable for XXXX dollars that I paid at that point. 

Now, I have on over due payment 6 months not being paid on TransUnion. I have filed multiple disputes with them. They only respond that the information on the credit report is accurate. I have been denied home loans over this XXXX dollar charge. I would have let them rip me off on XXXX dollars if I knew this was going to impact my credit rating. This just seems unethical since it wasnt like ignoring my bill. I was trying to do the right thing and now I am paying for it. 

I also spoke with the manager and she told me that she was filing a dispute on behalf of XXXX XXXXXXXX to TransUnion. That apparently didnt help either.

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 2024-07-28 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: TX

Complaint narrative:
In XXXX and XXXX I submitted a request for verifying my personal information and provided my correct personal identifying information. In return, the necessary changes were not made to my Experian and XXXX credit accounts. In fact, additional information was added regarding employment histories and an address in which are reported inaccurately and incorrectly.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Two things with TransUnion : 1 ) TransUnion fraudulently has an upload documents button on their site that fails to allow consumers to submit supporting documents. TransUnion also allows companies to upload damaging documents on consumers ' reports without the company OR TransUnion following FDCPA, violating consumer rights. 
2 ) After LXXXX [ they are the same company ]. They failed to validate a debt, however, XXXX and XXXX removed the collection from my credit report after the company failed to validate. TransUnion initially removed the debt but then allowed XXXX to resubmit the debt under XXXX. XXXX failed to validate the debt and the fact they rebranded as XXXX, the failure to validate the debt within 30 timelines is still valid [ the original validation letter sent to the company is attached ]. 

This is a violation of my rights as a consumer and I want TransUnion to immediately remove this debt AGAIN, and not allow it on my report again. If TransUnion does not comply, I will be filing a complaint up the chain.

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 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Took out an XXXX XXXX loan in XXXX during the pandemic. The funds were released from the XXXX to capital one spark business account. The account was then closed and suspected fraud was the reason given. Capital one then said they returned the funds to the XXXX and the XXXX says they have no record of it. I have tried numerous times to get a transaction history or some sort of tracking from capital one with the same 'nothing we can do ' response. I have tried having sba trace it but of course they only see the deposit to the business account. I have been having to pay on this sba loan to keep it from affecting my credit but at a dead end with both companies on finding where the money went.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NY

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 2024-07-28 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: NY

Complaint narrative:
My identity has been compromised since the year 2019. The thieves used my stolen information to open a credit card with XXXX XXXX XXXX. I have never had any financial relationship with XXXXXXXX XXXX  This negative information is drastically hindering my ability to obtain credit.

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 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I cant do anything without calling a XXXX numbers to get an authorization code, which they wont give me. Its going on XXXX weeks now if this happening to me. I cant login to my mobile banking, cant use my debit card. Cant do anything without being forced to call and try to get an authorization code. Which the XXXX number refused to give me. I cant buy my medication, groceries or anything. Without going into a branch and pulling cash out using my drivers license.

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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I just XXXX out of the XXXX XXXX  and im trying to build my credit. I got a credit report back saying that I have XXXX maxed out capital one credit cards, XXXX from XXXX years ago and another from XXXX. I was underage at the time and dont know who couldve opened them in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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 debt bondage, which falls under XXXX  according to TXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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 debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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:
I have multiple attempts to amicably deal with this with Experian, but to no avail. I am making one last attempt before I sue or abritrate.

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 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
After beinga customer with XXXX banking issues iver 30 years same account, they locked the online access and digital banking KNOWING inwas traveling with XXXX XXXX XXXX  in XXXX and the other very ill, they offered only XXXX solutions and refused the normal process of XXXX  ... would not give any info how to fix it except to go to a branch OR any foreign bank and get a letterhead with XXXX ID and obviously XXXX go to a branch isn't available, and when I went to XXXX banks overseas NOT ONE has letterhead, they also didn't understand it and thought I was trying to confuse them. It is ala9 reprehensible that PNC knows this is my deposit account for pensions and they don't care. 

So in short they are after 30 years preventing me from being paid by XXXX and I am also locked from the help of bank reps since I can only talk to the fraud department. 

I told them the overseas bank doesn't fax, it is archaic to expect foreign banks whom I'm not a customer of to put on letterhead that does not exist and to fax which they don't use and PNC is like " oh well, that's our process ''. 


XXXX is my contact info XXXX Attached is from my XXXX bank XXXX and even they don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
I have made multiple attempts to rectify this matter with equifax. My next step is litigation if they do not comply and continue to break the law,

Company response to consumer: Closed with non-monetary relief