vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: VT

Complaint narrative:
The issue that I am having is with Venmo. 
I had an issue with an old account because I accidentally used it for a small fundraiser because people didn't have cash. I didn't know that wasn't allowed, I apologized and closed that account. 

I then opened another account and everything has been fine for 2 years. A few weeks ago, I couldn't remember the e-mail associated with my current account, so I reached out to Venmo for help. 
I then receive an e-mail stating that my account was been permanently deactivated! 

I e-mailed back and said if my account is being permanently deactivated, then I want the balance that was in my Venmo account put back into my XXXX XXXX account. 

I followed every request that they asked ( send a photo of my drivers license and a photo of me holding my drivers license ) Venmo has refused to give me my information so I can access my money, and told me that I will need to wait 8 weeks for a check to be mailed to me. 

I really need help getting my money back and I am truly hurt at the way Venmo has treated me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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 did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXXXXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer

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 2024-06-23 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 did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
When I got my vehicle the amount I had to pay was {$34000.00}. When Credit Acceptance got the contract they added another {$34000.00} to it. I had called them and asked them why another {$34000.00} was added and they said because the bought the contract. I asked them how they could do that and they just told me they could.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries 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

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 2024-06-23 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: GA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-23 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:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX # XXXXXXXX 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  ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/XXXX and XX/XX/XXXX. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XX/XX/XXXX but I received no response to the same. 

I filed a complaint with CFPB on XX/XX/XXXX regarding this under case id XXXX. On XX/XX/XXXX, Upgrade responded with the following " Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/XXXX. In your letter you mentioned you failed to receive your monthly cashback rewards. On XX/XX/XXXX, you received email correspondence from Upgrade indicating that {$80.00} in cashback rewards was posted to your account. After reviewing your account we found that due to a system oversight that you did not receive your cashback rewards. We would like to apologize for this inconvenience and as a gesture of goodwill, we have provided an additional {$50.00} credit to your account on file with us. If you have any additional questions, please contact our Customer Advocacy team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX, or email XXXX XXXX XXXX Sincerely, Upgrade, Inc. '' It has been more than 2 years since Upgrade 's response. But I still havent received the missing cashback nor the goodwill adjustment. Upgrade has openly accepted the issue was on account of " oversight '' but has failed to resolve the issue causing financial hardship to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX I was sent to XXXX XXXX XXXX. I had no phone or internet to communicate with anyone. I was sent a bill which i didnt receive. I graduated XX/XX/XXXX. I was then sent to XXXX XXXX XXXX XX/XX/XXXX. When I got my phone and went through my email, I saw that a bill from IQ Data International IN. This account was placed on my credit report on XX/XX/XXXX for {$10000.00} without my knowledge. While in Advanced Individual Training, I received a call from IQ Data International IN that this account was opened and I need to pay. I explained to them that I was in Basic Combat Training while this bill was sent and I am requesting the account be delivered off my credit report as it will affect my ability to get an apartment when I leave training. Now XXXX homeless as an XXXX XXXX military member and unable to get an apartment or house to live because of this issue. I was told by IQ Data International IN that the account can not be deleted with full payment. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
Credence Resource Management violated the Fair Credit Reporting Act by sending negative credit report information to XXXX without notifying me of collection efforts, or giving me an opportunity to dispute the claim. 

The amount that Credence Resource Management claims that I owe accumulated after the cancellation of XXXX XXXX XXXX for the phone number ( XXXX ) XXXX on XX/XX/year>. Per XXXX customer service chat ID XXXX, XXXX XXXX XXXX  have been cancelled and the phone number ( XXXX ) XXXX is not in use. Please note the " XXXX GB of XXXX used '' as well as " XXXX  calls / XXXX  texts '' on both itemized statements they provided, the billing cycles of which are from after the date I cancelled XXXX XXXX XXXX. I did not use mobile data, did not send any texts, and did not make any calls, because I had cancelled XXXX XXXX XXXX XXXX  with customer support on XX/XX/year>. Any charges after this date are fraudulent and incorrect. 

This is the third instance I have experienced of XXXX XXXX failing to cancel mobile services after I contacted customer support, continuing to charge me for cancelled services which customer support verified were cancelled, and then selling a debt I do not owe to Credence Resource Management. I am not liable for XXXX XXXXXXXX XXXX recordkeeping errors and I will not under any circumstances pay any balance accumulated after I cancelled services. 

I am extremely upset that Credence Resource Management forwarded this information to credit reporting agencies without providing me an opportunity to dispute this third fraudulent claim. Credence Resource Management is in frequent violation of my written request for them to cease efforts to collection on debts with XXXX XXXX account XXXX, which debts are fraudulent and I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was checking my credit and saw that there's a hard inquiry from a furniture store but I haven't taken anything out or even been to a furniture location so im confused on what this is about

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 2024-06-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I relied my credit report and found inquiries I did not authorized. 

the inquires will be the following : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX, XXXX. Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My case is with XXXX XXXX case number Case # XXXX In 2017 my personal information was exposed during the XXXX XXXX breach, and ever since, Ive been struggling with identity theft issues. An account was fraudulently opened in my name with citibank and has been reported negatively on my credit report. 
Ive tried to fix this by disputing the account multiple times with the credit bureaus, but every time they come back sayin that the company has verified the account. Ive never had any dealings with Citibank and I didnt authorize this account to be open in my name, or authorize my Social Security number to be used.. The address they have on the account XXXX XXXX XXXX XXXX doesnt belong to me, my home address is XXXX XXXX XXXX XXXX XXXX Fl with the mailing address of XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX Fl XXXX XXXX a victim of identity theft and trying to recover my identity.. This has been affecting my daily life and my ability to get credit when I need it. I feel stuck and dont know what else to do.

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 2024-06-23 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: KY

Complaint narrative:
This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account:XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account 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 2024-06-23 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: KY

Complaint narrative:
This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
My auto insurance was raised from about $ XXXX to over XXXX because Lexis Nexis reported incorrectly to progressive that I had received a XXXX  in XXXX OH. I have never had a XXXX  in my life, and have demanded this information be corrected multiple times over the past 2 months only to be turned away on every occasion. Ive called, stated my issue and been turned down. Ive sent multiple emails, asked to open a case, all denied. They just keep sending me back the same email saying they need to verify my identity first before going through with a request, but I dont want them to have my information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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:
my credit was pulled to many times for a car loan at XXXX they cant do that more than once with out my permission 15 u.s.c 1681 section 602 A.states i have the right to privacy also credit karma wants me to pay them money ive never spent other than my own 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation 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 2024-06-23 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:
my credit was pulled to many times for a car loan at XXXX they cant do that more than once with out my permission 15 u.s.c 1681 section 602 A.states i have the right to privacy also credit karma wants me to pay them money ive never spent other than my own 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation 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