vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
A friend and colleague posted a message on their personal XXXX account involving an estate sale. I started corresponding with them about a car for sale. They sent pictures and additional information. I sent payment via Venmo. They then gave me an address locally as to where the car was stored. I looked up the location and thought it was too small of a property for the estate sale. I started to get concerned at that point and wrote to another friend who was tagged in the post. She told me my colleague 's account had been hacked. I asked the hacker to call me directly, so I could ask a few more questions about the car. They stopped replying. I knew then that I had been scammed. I immediately tried to contact Venmo, but couldn't find a way to do so. I called my bank and stopped the transaction. When I did get ahold of someone at Venmo, they told me we could likely resolve this issue. The following week I received an email from Venmo saying the money had been posted and I owed Venmo {$800.00}. I contacted Venmo again and offered to send all correspondence regarding the scam and asked for resolution. They declined my offer and have continued to send requests for payment. My concern is that Venmo is asking me to vet a purchase from what I thought was a friend, as though they have no responsibility regarding transactions. Presumably, if they can see that all of my transaction history has been local from local accounts to local banks, if this was international, it should flag the transaction as a potential scam. As it stands, scammers have the upper hand, and that is not ethical. I would like Venmo to resolve this issue and I think they have a responsibility to increase efforts to stop fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: AZ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: SD

Complaint narrative:
Hello there, I hope all is well. 

I have banked with Regions for about seven years and recently started having issues with overdraft fees. When I am low on funds or have none in my account, my account is overdrawn at {$36.00} for every transaction. In some cases, the cost can be more than {$200.00}. It is frustrating because my thought when banking with banks is that they are here to protect their consumers and help grow their money rather than take advantage. 
Sadly, banks are using that because we are signing a subscription " acting '' as a contract for them to pay the balance and later charge a fee to the consumer. Rather than decline the transaction when there are not enough or insufficient funds. If banks want to be technical, the subscription or recurring transactions state that I pay a certain amount for the subscription monthly. If I don't have the amount, how can I pay? I can't is the point.

Granted, I did sign up for a subscription, and sometimes, I become forgetful, as most subscriptions do not send an alert on upcoming balances. Before I can cancel, they have already charged my account. 

It's borderline stealing and distasteful. Especially when I have asked to opt out of any overdraft coverage protection. Yet I am being told to come personally to opt out of all coverages. I am not a state resident with Regions branches to go to, and I do not want to end my banking with them due to relationships and credit lines. I wish not to be charged for funds I do not have. It makes it harder for me to pay the subscription or recurring transaction and the overdraft fee, making it more costly for me in the end. Banks used to block transactions when consumers did not have the funds. Now, it is all a money grab. 

In the end, it is frustrating to deal with this because I have a family to support, and I have to pay them the money, or it goes on my credit, which is hard to build and easy to destroy. It is a double-edged sword ; more branches should protect their consumers instead of filling their pockets. 

Thank you for your time, and I hope my story can help pass laws or acts protecting consumers from overdraft fees. 

XXXX {$100.00} XXXX {$72.00} XXXX {$36.00} XXXX {$72.00}

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 monetary relief
Consumer complaint received 2024-12-05 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: AR

Complaint narrative:
NEW AFFIDAVIT ATTACHED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AR XXXX XXXX : XXXX Sos : XXXX TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : XXXX, XXXX Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX ), regarding this issue. 

Fraudulent Accounts : XXXX. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXX. XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, AR XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AR XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-12-05 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: AR

Complaint narrative:
NEW AFFIDAVIT ATTACHED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AR XXXX Dob : XXXX Sos : XXXX TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : XXXX, XXXX Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX ), regarding this issue. 

Fraudulent Accounts : 1. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX  Address : XXXX XXXX  XXXX XXXX, XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AR XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  Address : XXXX Highway XXXX XXXX, XXXX, AR XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, AR XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-12-05 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request that compromised information be removed to protect my identity and credit standing. 
Accounts to Block and Delete 1. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} 2. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$430.00} 3. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Inquiries to Block and Delete 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXXXX/XX/XXXX 21. XXXX XXXX XXXXXX/XX/XXXX 22. XXXX XXXX XXXX XXXXXX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: IN

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request that compromised information be removed to protect my identity and credit standing. 
Accounts to Block and Delete 1. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Inquiries to Block and Delete 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 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 explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
i have identified information on my report that are a result of identity theft these accounts and inquiries does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-05 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-05 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: FL

Complaint narrative:
My identity has been stolen. I am not familiar with the accounts that are showing on my report. I recently received a copy of my report and noticed their were fraudulent accounts reporting. At this time, I am not aware of who's responsible for these fraudulent accounts but it needs to be erased from my report it is affecting in a horrible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-12-05 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : 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 2024-12-05 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:
I provided Experian all documents they requested to remove a collection on my report that resulted from identity theft. I have been a victim off several data breaches and there was an account opened fraudulently in my name. I provided my FTC case number, a copy of my ID, and a utility bill ( not sure why Experian would want a utility bill ), but I sent it anyway. Experian refuses to delete this fraudulent collection that is not mine. All the other credit Bureau 's had no issue and worked with me and deleted it immediately. I'm not sure what else a consumer can do. All they do is verify the info with original creditor and say everything checks out. Its ridiculous.

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 2024-12-05 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these accounts and inquiries were opened without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this inaccurate information removed from my credit file. 
Fraudulent Accounts : XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2300.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1300.00} XXXX  Account XXXX XXXX Opened XX/XX/XXXXXXXX  Balance : {$740.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these accounts and inquiries were opened without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this inaccurate information removed from my credit file. 
Fraudulent Accounts : XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXXAccount # XXXX Opened XX/XX/XXXX Balance : {$1300.00} XX/XX/XXXXAccount XXXX XXXX Opened XX/XX/XXXX Balance : {$740.00} Unauthorized Inquiries : XX/XX/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 explanation