vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I opened a Venmo account, provided the profile information ( email, XXXX, XXXX, phone number ) and attempted to add payment information but they froze my account. This is before any transactions were made. I opened a support case with them and was told " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. '' I have not had any activity with them but now they are saying I have to upload a picture of my government ID to unfreeze the account. I think this is disparate treatment when other Venmo users do not have to provide such information. And I think its a security risk to provided them with a copy of my documents with no assurances that they will properly safeguard the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by JEFFERSON CAPITAL SYSTEMS The inquiry was initiated without my authorization, and it has negatively impacted my credit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX JEFFERSON CAPITAL SYSTEMS Contact info Phone number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Address at the Time of Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX  XXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

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 for the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against PNC Bank for Violation of Regulation CC and Potential Discriminatory Banking Practices Dear Sir/Madam, I am writing to file a formal complaint against PNC Bank for violating Regulation CC and to request an investigation into potential discriminatory banking practices. Below are the details of my complaint : Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Bank : PNC Bank Branch Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Details of the Violation : On XX/XX/2024, I deposited a check issued by the United States Treasury in the amount of {$10000.00} into my account at PNC Bank. Subsequently, I received a letter from PNC Bank dated XX/XX/2024, informing me that the funds from this check would be delayed for 10 days. This action by PNC Bank is a clear violation of Regulation CC, which mandates timely availability of funds, particularly for U.S. Treasury checks. 

The letter from PNC Bank cited the following reason for the delay : " We believe a check ( s ) you deposited may not be paid for the following reasons : During analysis of the check, we determined that we need to verify that the check will be paid. '' Although I was able to make PNC Bank release the funds eventually, their initial action was in direct violation of federal regulations. This delay could have caused significant inconvenience and financial hardship. 

Request for Investigation into Discriminatory Practices : Given the blatant violation of Regulation CC, I am concerned that PNC Bank may be engaging in discriminatory banking practices. I request that the CFPB conduct a thorough investigation into the following : The frequency of 10-day holds placed by PNC Bank on checks issued by the Federal Government XXXX 
A breakdown of these occurrences by race and ethnicity of the account holders. 
An analysis of whether minority customers are disproportionately affected by such holds. 
Requested Resolution : I request that the CFPB investigate this matter and ensure that PNC Bank complies with Regulation CC to prevent future violations. Additionally, I seek compensation for the financial losses and inconvenience caused by this delay. It is essential for PNC Bank to adhere to the regulations to protect consumer rights and to ensure that all customers are treated fairly and without discrimination. 

Enclosed are copies of the relevant documents, including the letter from PNC Bank and the deposit receipt for the U.S. Treasury check.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Letter from PNC Bank Deposit Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 XXXX 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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my claim Claim # : XXXX to be reopen or appeal or dispute again or reinvestigated because I got a email today saying this Information about your online fraud claim Inbox XXXX Wells Fargo Online to me XXXX hours agoDetails Claim # : XXXX Dear XXXX XXXX, We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

Please call us at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. Well be able to answer any questions you have at that time. We also offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, Claims Assistance Center Online Fraud Claims And when I called them some agents didnt want to help me or or didnt understand what I saying and when I call back another agent didnt help me he say it was closed and when its not closed I need to add this information to the claim I didnt unauthorized the payments when yall reopen the claim up if it is closed it closed yall closed it out for no reason when I got a false email asking me to call yall for more information and I did that and reopen my claim up and investigate it again or give me a one time credit for the total amount and also add this to my claim I didnt authorized the payment its is fraudulent and send me the information yall requested from me so yall can use that information yall get from me later to add on to my claim later and he also unblock my login XXXX but he didnt unblock my XXXX access I need it to be unblocked too still it say this As youve requested, weve removed your access to XXXX. 

If you have questions, were available XXXX at XXXX.My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username 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 2024-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent someone {$2500.00} through my capital one bank account 's XXXX extension, and the money has disappeared. I sent the money on XX/XX/XXXX, and the person showed me a screenshot of the amount pending in her bank account a couple of days later. The same person then contacted me again a few days after that and let me know that the money had disappeared entirely, and she sent her statement as proof. If I dont have the money and she doesnt have the money, then where did it go???? I have attached screenshots of everything I am referencing. 

Anyways, I called my bank, and, when I spoke with the initial bank representative and informed her about the issue, she said that she put a stop payment on the transaction. This means that I should have the money back in my account. It is okay if they want to conduct an independent investigation outside of that to try and figure out why what happened has happened ; however, they are ripping me off for {$2500.00} and refusing to honor what they said they did. 

Again : a STOP PAYMENT was put to the transaction ( that's what I was told by their representative ), so the money should be back in my bank account. I want them to put {$2500.00} in my bank account immediately. The bank will have the call that I am referring to recorded and stored. I want my money. 

This is a lot of money to me. It is tuition money. It is a deposit for rent so that I can have shelter and not be homeless. I am a XXXX struggling to make it here in XXXX  and these wealthy financial institutions are taking advantage of me. {$2500.00} is nothing to them, yet, to me, it represents my ability to not be homeless, my ability to feed myself, my ability to pursue a higher education. And they could care less. They are greedy and corrupt and have stolen my money. 

And, again, they said they put a stop payment to the transaction. Even if that lady misspoke or was unable to do so, she did not indicate it. She did not say " I will put a stop payment to the transaction ''. She did not say " I'll try to put a stop payment to the transaction. '' No. She said : " I put a stop payment to the transaction. '' If a mattress store puts an ad in the paper and advertises an {$800.00} mattress mistakenly at {$80.00}, they are required to honor the listed deal. I expect this bank to honor their word. Period. I want my money back now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TN

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TN

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Best Buy/CNA notified me they would be closing the credit card account for non-use, since I didn't need the card and it had not been used in a transaction in over a couple of years, I allowed them to just close it. They reported it as account forcibly closed and my credit score dropped XXXX points. It should not impact my credit score to have a closed account when it had no balance owed. There are other companies doing the same thing, I have XXXX others also when paid in full and/or paid off early reporting so it shows negatively on my and my daughter-in-law 's credit too. XXXX and other credit reporting should know how to correct when disputing.

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 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 
This collection not mines I have address in which I have never lived on file and this collection has never reached out to me to my address that is my credit this not verifiable and needs to removed 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 2024-08-01 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: TN

Complaint narrative:
There are multiple unauthorized hard inquires in my consumer reports that I did not authorize, multiple names that are inaccurate and not me, and multiple address that are inaccurate and that is not the correct address. Please block and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My correct name is XXXX XXXX and my only correct address is 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 non-monetary relief
Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  ACCOUNT NAME : XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.

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 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
A dent collector got a judgement against me and claimed I signed for the legal documents notifying me of the lawsuit. I never received such documents and now they are going to try and garnish my wages. When I contacted they circuit court they said there was a signature on file as XXXX. This is not my signature and I do not have XXXX as my initials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2024-08-01 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:
FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT.

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by XXXX XXXX XXXX The inquiry was initiated without my authorization, and it has negatively impacted my credit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX My Social SecurityXXXX XXXX XXXX My Address at the Time of Inquiry : XXXXXXXX XXXX XXXXXXXX XXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX XXXXXXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation