vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
This is related to my Venmo account. Name on account is XXXX XXXX ( my married last name ). My Venmo Customer Support Ticket number is XXXX. 

For the past couple of months, I am unable to transfer money from my linked XXXX checking account into venmo. However, Venmo allows me to link my XXXX account and allows me to pay people as long as it's link. But won't allow me to transfer funds into Venmo- a feature I have successfully used before. I attempted to transfer money again and received a message that says I should contact customer service. 

On XX/XX/XXXX, around XXXX XXXX, I called Venmo. The agent could see I had multiple attempts to transfer fund that were declined. 

They said their XXXX referenced a risk rule and to wait XXXX hours for things to reset so I could make the transfer. 

HOWEVER, the agent noted that they could see I had many other attempts where days or weeks went by and nothing in 'their system reset '. 

I asked her to escalate this to their XXXX  or XXXX  team to look into it. She said they couldn't do that and there was no other option to address this. 

I notified her that I am making a formal complaint and wanted her to raise this. She said they didn't have a complaints resolution process. 

I asked to talk to a Supervisor. At first, she said I couldn't but upon pressuring for resolution, she transferred me to a supervisor named XXXX. XXXX basically told me the same thing and mentioned I could get a Venmo debit card as a way to solve for this. 

I found this SUPER problematic. I also notified them that I believe UDAAP has been breached for not having any way to address this. They wanted me to have a subpar product experience and use their product to solve the issue I'm having instead of finding a way to fix it so I could get equal access to all their services and features like all venmo customers. 

At the end of the call, XXXX said she would raise it but did not give any clarity and said she wanted to set my expectation that nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings.

3. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist.

Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law. 

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed from 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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-09-07 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against Innovis for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and for non-compliance with federal regulations regarding the accuracy and verification of information on my credit report.These inaccuracies I have repeatedly disputed with Innovis on two separate occasions, over 75 days and 40 days ago, with no corrective action or response : Started XX/XX/year> The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/scrub>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 2024-09-07 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: OH

Complaint narrative:
These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/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 2024-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: SOUTHSTATE BANK CORPORATION
State: CT

Complaint narrative:
i received a letter from south state bank stating they would charge me {$10.00} per transaction starting XX/XX/year>. but they stated taking out funds since XX/XX/year>. totaling over {$800.00}. i did receive one months refund of {$260.00}. the refused to refund the other {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon recently checking my credit report. I noticed many account ( XXXX ) to which do not belong to me. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! YOU ARE IN NONCOMPLIANCE WITH THE PRIVACY OF CONSUMER FINANCIAL INFORMATION RULE OF THE GRAMM LEACH BLILEY ACT FOR SHARING MY NONPUBLIC PERSONAL INFORMATION TO THIRD PARTIES AND NOT PROVIDING ME A NOTICE THAT COMPLIES WITH SECTION 6803 AND GIVING ME THE OPPORTUNITY TO OPT OUT PURSUANT TO 15 USC 6802. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint against TransUnion for permitting the re-addition of deleted accounts, improper re-aging of accounts, and the inclusion of discharged bankruptcy accounts without proper verification. These accounts were previously removed from my credit report after disputes but have been re-added without proper investigation or documentation. Additionally, there is evidence that certain accounts have been re-aged to make them appear more recent than they actually are.

The practice of re-aging and re-reporting discharged bankruptcy accounts contradicts both Fair Credit Reporting Act ( FCRA ) standards and bankruptcy protection laws, and it has caused continued harm to my credit report. 

Specific Issues : XXXX. Failure to Verify Accounts Properly : TransUnion allowed accounts to be re-added after being deleted, without requiring any further verification or investigation from the original creditors or debt buyers. There is no proof that these accounts have been properly validated in terms of transaction history to allow me to examine and verify, balances, dates, or my liability as I was on end of life care during the time period in question. 



XXXX. Re-Aging of Accounts : I have observed re-aging of multiple accounts, where the dates of last activity have been altered to reflect more recent dates, making these debts appear more current than they are. This tactic extends the reporting period for accounts that should no longer be listed or should be closer to expiring on my credit report under statute of limitations. 



XXXX. Reporting of Discharged Bankruptcy Accounts : TransUnion has allowed the re-reporting of accounts that were included and discharged in my bankruptcy case. These accounts were wiped out in bankruptcy and should no longer be reported. TransUnion has failed to verify that these accounts are no longer collectable and should not be appearing as adverse items. 



XXXX. Circumventing Legal Verification Requirements : The re-addition and re-aging of accounts appear to be a tactic used by debt collectors and creditors to bypass FCRA requirements, avoiding the proper steps of verification. TransUnion has failed to hold these furnishers accountable, thus violating my consumer rights.

5. Negative Impact on My Credit and Health : The continued re-reporting and re-aging of these accounts, along with the wrongful inclusion of discharged debts, has significantly harmed my credit score and increased stress, negatively impacting my health.

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 2024-09-07 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: OH

Complaint narrative:
These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXXRequired by 12CFR 1006.34 ( b ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify accuracy of the debt they claim that I owe. 
XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.

Capital One has resorted to false, misleading and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By Capital One neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Capital One is flagrantly disrespecting consumer protection statues.

I demand that the Consumer Financial Protection Bureau investigate these egregious reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
My name is XXXX, XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. XXXX XXXX also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Apple implied im using a lost card as a reason for a decline, which is illogically incorrect. Clearly systematically something is off with the system algorithmically. Why make the implication versus using critical thinking, outside the normal scope of the narrative?! It not only was embarrassing being declined at the point of sale. It was very offensive to imply im using a lost card, as if im illiterate. I had repeatedly stated im using the brand new card out the box and asked for solutions! I now have to have a replacement card sent that doesnt appear to even have been processed! Which theres NO guarantee would work, or that id be in the same predicament again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

XXXXXXXX XXXX XXXXXXXX Equifax-XXXXXXXX XXXX XXXXXXXXXXXX As stated in the FCRA All information contained in my report must be 100 % correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

Experian- DOLP- XXXX XXXX-DOLP-XXXX XXXX XXXX-DOLP-XXXX As stated in the FCRA All information contained in my report must be 100 % correct.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Re : Dispute of Inaccurate Information LVNV Funding LLC Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

Dear LVNV, I am writing to formally dispute the inaccurate information that has appeared on my credit report regarding a debt that was allegedly transferred to LVNV Funding LLC. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> Account Status : Collection account with {$650.00} past due as of XX/XX/year> Balance : {$650.00} Original Balance : {$650.00} Dispute Points : Unauthorized Transfer of Debt : I have never agreed to or signed any contract allowing the transfer of my debt from XXXX XXXXXXXX XXXX XXXX. to LVNV Funding LLC. Furthermore, I was not notified of this transfer, which is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Privacy Violations : This unauthorized transfer and reporting of my personal financial information to LVNV Funding LLC is a violation of the Gramm-Leach-Bliley Act ( GLBA ), which protects my financial privacy. The handling and sharing of my information without my consent is illegal. 

Fair Credit Reporting Violations : The reporting of this collection account by LVNV Funding LLC is inaccurate and unlawful. LVNV Funding LLC is acting as a debt buyer and is required by the Fair Credit Reporting Act ( FCRA ) to ensure that the information they report is accurate and verifiable. Since I have not received any verifiable proof of the debt transfer or the legality of their collection efforts, this account must be removed.

Action Requested : I demand the immediate removal of this collection account from my credit report. 
I request that you provide proof of the debts accuracy and documentation verifying that LVNV Funding LLC has the legal right to collect this debt. 
If this issue is not resolved, I will escalate the matter with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other appropriate government agencies for further legal action. 
Please complete this investigation promptly and notify me of the results in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation