vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: OH

Complaint narrative:
Opened venmo account XX/XX/scrub>XXXX I've been making transactions for over a week. I've made transfers to my XXXX XXXX  I attempted to make a transfer and the transfer was denied and account was suspended with XXXX $ in the venmo. ID is required all of a sudden. Only I'd I have was emailed because the department does not communicate any other way. I want my money and the account to be closed. This was a huge inconvenience with me having small children at XXXX. Especially when I have been making transactions for over a week. This is not something that was required to open the account so I should not have to provide a thing to get My own money. And if that's an issue, the XXXX $ can be sent back to the original sender. I've never seen a financial institution attempt to make my own money unavailable to me. This was unnecessary and I will never use venmo again. Again, I just want to withdraw my money or return it to sender. But not being able to access my own money on XXXX really ruined my children 's XXXX and they can never get that back. And for no reason. I did not make any unusual transactions and lack of ability to rectify the situation and major over abuse of power when I contacted venmo is certainly a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding my collection on my credit report that you decline to remove. Can you please provide me with a copy of all your investigationdocuments verifyingthe debt per 15US 1681c, section 7 of the United States Code as required by law withing 15 days

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 2024-12-25 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital systems LLC won't cease contacting me after I ask Ask them to cease all contact per 15usc 1692 c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I used the XXXX XXXX credit card from Chase, and the XXXX app on my phone to reserve the XXXX XXXX XXXX in XXXX, Ohio for a 4 days stay from XX/XX/XXXX - XXXX at a rate of {$70.00}. My king room had problems upon entry so I was changed to a queen room for those nights. The queen room had issues so they sent Maintenance up to fix them. The invoice I received says the reservation rate was honored for the first XXXX nights, then raised to {$74.00} for XXXX nights, adding {$7.00} + 18 % ( XXXX ) tax to my bill charged to my card. On XXXX XXXX, I called and spoke with the hotel receptionist, then left a voice mail for General Manager XXXX XXXX. She never called me. I also filed a complaint with XXXX customer service ( ID # XXXX ) with XXXX for reservation XXXX. He said he would forward my complaint to the General Manger of the hotel and I would receive a response within XXXX hours. I have yet to receive a response. A week ago, I wrote a hotel review of the problem and submitted it to XXXX ; they informed me they published it without responding to my issue. If they can not refund me the overcharged amount of {$8.00}, then I can file a credit card complaint through Chase and XXXX for a full refund since they did not live up to the reservation of a king room. They should have moved me to another king room.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: MA

Complaint narrative:
In XXXXXXXX XXXX XXXX I was a victim of identity theft and bank fraud. As a result of the theft, the fraudster was able to create accounts using my information. After I pulled my credit reports I noticed one of the fraudulent accounts listed Upgrade , Inc. as the creditor. This was listed as an installment account in the amount of {$26000.00}. I contacted my local law enforcement and filed a report with the FTC regarding the identity theft. 

After submitting a dispute with the credit bureaus the account was initially removed my credit report. As of XXXX ( almost 4 months after the initial dispute ) it was added back to my report with the following remarks " Completed investigation of FCRA dispute-consumer disagreed ; UNPAID BALANCE CHARGED OFF ''. This false reporting resulted in a huge negative drop in my XXXX XXXX and will negatively effect my future financial endeavors. 

I contacted the company through their support channel and over the phone to remove the fraudulent account from my report. They were not able to provide reasons as to why the claim was 'unsubstantiated ' but said that they would send an email instead. I have not received any additional information from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CFPB Dear sir/madam i would like to file a complaint against Experian consumer services. The company has violated the FCRA code 15usc1681i ( a ) 1 ( A ) That clearly states " If the completeness or accuracy of any item of information in the consumer file at a Consumer Reporting Agency is disputed by the consumer the Agency shall conduct a reasonable re-investigation to determine whether the disputed information is inaccurate or DELETE the item from the file before the end of the 30 day period ". The 30-day period has ended, and Experian did not re-investigate my dispute or deleted the inaccurate personal information., from my file. 
see attached document my first dispute letter. 
XXXX XXXX XX/XX/2024

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 2024-12-25 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A Bankruptcy XXXX XXXX is being reported on my credit report file and shouldn't be reported on my credit report file.

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 2024-12-25 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: MD

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 2024-12-25 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 2024-12-25 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 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>2024, in the afternoon, I have used my checking account from Bank of America to make a XXXX payment to a friend for {$1000.00}, the limit is {$3500.00} according to the representative from Bank of America. Less than one minute from the transaction request the transaction was denied, and my friend was removed from the recipients list. I have added again my friend to the recipients list and tried to send again {$1000.00} from my checking account. The transaction was denied again, and I called Bank of America. The supervisor told me that Bank of America uses an algorithm for transactions, and I have to wait 24 hours for the transaction to be cancelled. On XX/XX/scrub> 2024, in the morning, I have tried to access my accounts at Bank of America and found out that my access online has been denied completely. The provided a phone number and the robot told me that Bank of America is closed in observance of the holiday. In the past i have requested transfers of {$500.00} and had no problem. Bank of America 's actions are abusive and unjustified especially since I am a member for more than 38 years.

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 2024-12-25 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: CO

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2024-12-25 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: CA

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing if from my credit report FCRA.

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 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run XXXX XXXX, XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I strongly disagree with your investigation response. The following incorrect items still remain on my credit report, despite your investigation. I request an immediate re-investigation of these items for valid reasons. These inaccuracies are severely damaging to my credit score. 

XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide tangible evidence that the information was verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with above, so that I can follow up. 

The date on which you contacted the individual furnishers of information. 
The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address, or DOB.

Please send me an updated credit report once you have completed your investigation and made the necessary corrections. 

Your cooperation and prompt attention are legally required. 

Sincerely, 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 2024-12-25 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: Experian Information Solutions 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. 

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 explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2024, I requested to close my Truist credit card account, ending XXXX. This was done via phone and the representative confirmed the card account would be closed and the annual fee of {$190.00} assessed on XX/XX/2024 would be refunded. 

On XX/XX/2024, an interest charge was assessed on my account- the only amount outstanding at that time was the {$190.00} annual fee, which was supposed to be refunded. 

On XX/XX/2024, a {$29.00} late payment fee was assessed on my account. As a result, my credit report will be impacted, for a closure that was failed to be processed correctly by Truist. 

Truist is failing to properly close credit card accounts, failing to properly refund annual fees, and failing to inform its customers of the deficiency of their closure process. Truist is acting in a reckless and illegal manner by doing so, causing harm to clients in the way of excessive, undue fees, and incorrect credit bureau reporting.

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 2024-12-25 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: CO

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 non-monetary relief