vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: KS

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 2024-11-07 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: EQUIFAX, INC.
State: KS

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax would not allow me to put a freeze on my credit report after I was alerted to a Data breach. Their website after logging in will not let you place a temporary freeze, their customer service would not verify my ID, even after sending a photograph of my valid drivers license and a photograph of myself. After which I was locked out of the website entirely, including links from other credit sites, XXXX XXXX and XXXX. Their links to Equifax are dead links.I believe that as a for-profit company, it does not behoove them to allow credit freezes and therefore they intentionally make it impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jeffcapsys debt collector has my information and posting it to my credit saying I owe them money. I never had a XXXX  phone they said the open date on my credit they said XX/XX/XXXX but then they sent me information to my house a letter to my house saying that the account was open and XXXX of XXXX the original date so that means that theyre lying about the actual date and they have the wrong address and phone number that I never had before the amount for {$700.00} and this is messing up my credit 15 USC 1692G they can not post or have or buy my credit information to harass me or send me mail to my property without my permission and the address that I have theyre saying that the address that I am at now is the address where the phone bill came from but on the letter it says something different on my credit file it says XX/XX/XXXX and it says balance updated XX/XX/XXXX. This is fraudulent. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My car loan got charged off in XXXX which i wasnt even aware until they tried to repo my car. i never received any letters or emails stating how dangerously past due my account was- this was late XX/XX/XXXX into XX/XX/XXXX, i was struggling with a job since everything was going back to normal. I was unclear with some of the terms of the loan, as loans were very new to me at that point unfortunately. Had I known the outcome then i would have done something differently. I have talked to WellsFargo XXXX times in regard to trying to get my account in good standing again & all options presented to me just arent realistic. The loan amount that i have left to pay off is almost {$12000.00} so when Im given the option to pay that off in 5 payments, its just not feasible. I have tried asking them to reinstate my account, I have talked to other vendors & they told me theres a hold on my account so they cant release any information to financial vendors. 

Im just very confused & would so appreciate some help with this. Thank you in advance.

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 2024-11-07 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: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DL : XXXX Formal Complaint Regarding Inaccurate information To Whom It May Concern, Upon checking my credit report I called the creditors to verify information on my credit file and Ive noticed inaccurate information that needs some attention. 
XXXX Account and number XXXX The highest balance is incorrect. If you cant verify and update this information please delete the account. 
The past-due amount is incorrect. If you cant verify and update this information, please delete the account. 
The date when the account was closed is incorrect. If you cant verify and update this information please delete the account. 

XXXX XXXX  and Account number XXXX The Late payment date and charge-off date are incorrect. If you cant verify and update this information, please delete the account. 

XXXX and Account number XXXX The charge-off date is incorrect and the last payment date is different than what is shown in the summary. If you cant verify and update this information please delete the account. 

If these accounts can not be verified, you must delete them under the FCRA. If the accounts dont get resolved, the next step is to file a lawsuit. 
Thanks for your time.

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
My venmo account was randomly locked or Frozen. I submitted a ticket to unlock the account and gain access to my funds. This was denied and they responded by telling me my account is permanently Frozen now. I have no way of accessing the money in there please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CO

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach that compromised my personal information. As a result of this breach, fraudulent accounts have been opened in my name, and I am requesting that these accounts be blocked and permanently deleted from my credit report as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts are the subject of this request : 1. XXXX Account # : XXXX XX/XX/XXXX {$19000.00} 2. XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00}

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
There is a company calling with different numbers saying they are a tax debt relief service. I currently work directly with the IRS and HAVE REPEATEDLY told them to stop contacting me. Sometimes they call me 3 times in a row without fail. When I tell them to stop they just ignore me and keep doing it. Please help me. My number has been registered several times including all the way back to 2004. I would like these calls to stop immediately. 
They use numbers like XXXX and XXXX and so many more. 

Thank you for your help with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I sent a letter to these company telling them I was a victim of fraud someone tried to get something in my name and had my credit pull and know there are inquires reporting on my credit that is nor accurate or belong to me. I request them to remove it from my credit. I also mail a letter to Experian explaining that there are inaccurate information 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 2024-11-07 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: NC

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-11-07 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: NC

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Re : Dispute of Charge at XXXX XXXX and Venmos CASE # : XXXX EMAIL : XXXX To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute with Venmo, a digital payment service, that has been ongoing since XXXX XXXX XXXX  Despite multiple attempts to resolve this issue directly with Venmo, they have repeatedly denied my claim without providing satisfactory explanation or action. 

On XX/XX/year>, I visited XXXX XXXX in XXXX XXXX and attempted to get a cash advance of {$2100.00}. I presented my card and entered my PIN, but due to unforeseen circumstances, I was unable to receive the cash. The casino manager provided me with a receipt, confirming the transaction had been authorized, though no cash was received. This receipt also indicated that the funds were processed by XXXX XXXX, the entity handling XXXX transaction processing. 

Since then, I have disputed this transaction with Venmo a total of XXXX times. Despite my persistent efforts and documentation, Venmo has denied each dispute, directing me to XXXX XXXX for verification. Upon contacting XXXX XXXX, they provided written proof that they attempted to return the funds to Venmo twice, only for Venmo to block the reversal on both occasions. 

On XX/XX/year>, I received a letter from XXXX XXXX confirming these reversal attempts, which I promptly shared with Venmo. Despite providing this proof multiple times and conducting three-way calls between Venmo and XXXX XXXX where XXXX representatives explained the situation, Venmo has repeatedly refused to resolve the matter, often requesting the same documentation that I have already provided. 

This ongoing issue has created significant stress and inconvenience, and XXXX lack of responsiveness leaves me with no alternative but to seek assistance from the CFPB. I am prepared to provide copies of all related documentation, including : 1.The initial receipt from XXXX XXXX 2.Correspondence from XXXX XXXX confirming attempted reversals 3.Records of my communications with Venmo, including submitted dispute forms and responses If this issue is not resolved promptly, I may also be forced to seek legal recourse, as this situation has led to an unjustified withholding of funds. 

Thank you for your attention to this matter. I appreciate any assistance the CFPB can provide in helping me recover these funds from Venmo. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Debt Validation Request Dear XXXX, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe.

Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CO

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$2800.00}

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 non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2024-11-07 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: GA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2024-11-07 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: OH

Complaint narrative:
XXXX XXXX  Opened XX/XX/XXXX {$26000.00} XXXX XXXX Opened XX/XX/XXXX {$380.00} I dont know where these accounts are coming from these are fraudulent accounts My information may have been impacted by the Equifax , XXXXXXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 




Respectfully XXXX XXXX

Company response to consumer: Closed with non-monetary relief