vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: MI

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-09 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: IL

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-09 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: TN

Complaint narrative:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX XXXX XXXX has been placed on my credit report to intentionally and fraudulently hurt me and my credit report. I have disputed this collection several times with the experian, transunion and XXXX credit agengies but it has came back as verified on tranunion and XXXX but experian deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX, XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on Transunion and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. on Transunion Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor 09 XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available. On XXXX it says Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account ID XXXX XXXX No has responded or sent me a validation letter Nothing ties me to this account. 
Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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 2023-11-09 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: NC

Complaint narrative:
I own a XXXXXX/XX/XXXXXX/XX/XXXXA customer yesterday, XX/XX/XXXX, placed an order and used PayPal to check out for the amount of {$74.00}. I received an email from PayPal to complete my business account. I completed that as requested. I then received another email from PayPal stating I need to add in my personal email address which is tied to the payment in XXXX. I did as requested. Then today, XX/XX/XXXX, I got an email stating I need to update info and my account is on hold. I logged in and it asked for my license/ ID, which was not requested during setup. I added that info. After uploading that, the very next screen said my account is suspended. No reason why. I can not access the funds that were sent to me. Customers can no longer use PayPal on my website. I called on XX/XX/XXXX and spoke with XXXX. She said she could appeal for me and could not see why this occurred. She did the appeal and said it may take 5 business days to get an email about the decision. She gave me a reference number or case number of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
XXXX XXXX for XXXX @ XXXX at XXXX XXXX XXXX XXXX , and Sentry Credit Sebit Collector. Live here since ( XXXX ), always paid my rent on time during my lease at this resident. I moved from this resident on XX/XX/XXXX and turned in keys with sign documents from Rental Office management, with proper documentation sign and date. Paid my rent for online XXXX Account and when I received a court notice for eviction after I had moved out stated that owned the amount of {$6200.00}. However, I was informed about the court letter after I had moved. But did appeared in court. Case was drop. In my account the amount was on XXXX online account had Overdue {$3700.00} which I had paid a large amount. XXXX XXXX, property Manager has been retaliating against me due to the mold I had in my apt . Before I had moved out paid my rent in full for XXXX XX/XX/XXXX, which had been paid in full which I had received final invoice with the amount of balance due {$4700.00}. Took my deposit amount {$500.00}. Which leave my balance in the amount of {$4200.00}. Which I made online payment with receipts in the amount of {$2100.00} another receipt with the amount of {$2100.00}. Since I lived at the resident several times my rent was out on another account. Then I would receive a notice of payment amount that I owned for my rent during COVID. Therefore I had go down to rental office and represent my receipts. XXXX XXXX, has been retaliating against me since I contact the XXXX Inspector and now that I had moved out he had send my debit to collection in the amount as show which I have receipts and bank statements rent was received. They send my information to Sentry Credit Debit Collector which I did provide my information of paid rent. Today, XX/XX/XXXX, I had contact them regarding my collection which I emailed them all necessary documents on XXXX, XXXX. 

XXXX at XXXX, had not responded to my disrupt for collection. XXXX XXXX need to be audit for the under handing methods that a manager has used to put this debit on my credit which I had filed bankruptcy in ( XXXX ). Charged me for not having rental insurance which I had since ( XXXX ). But yet my invoices need to be audit due to them sending this bill to the debit collection and for them texting me a message saying that I owe this debit. Never have this company any permission to txt my phone trying to collect a debit that I dont owe. IRS need to be involved with this XXXX XXXX for underhanded practices that shouldnt be allowed when I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'd like the bureau to initiate an inquiry into the accounts where I've consistently been on time with payments, yet they inaccurately label me as late. I've diligently paid off these accounts every month, and it's unjust for them to report otherwise.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'd like the bureau to initiate an inquiry into the accounts where I've consistently been on time with payments, yet they inaccurately label me as late. I've diligently paid off these accounts every month, and it's unjust for them to report otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XX/XX/XXXX & XXXX after opening acct on XX/XX/XXXX with a {$25.00} deposit. 
Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation XXXX XXXX XXXXXXXX on XX/XX/XXXX told would receive update in XXXX business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given XXXX XXXX XXXXXXXX on XXXX, its been 7 days and I still have no update.

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 2023-11-09 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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows 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 non-monetary relief
Consumer complaint received 2023-11-09 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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: 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. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased XXXX Vanilla Gift ( VISA debit ) cards last year. But these XXXX cards were stolen by someone else. I have contacted the Vanilla company for almost XXXX year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? My case numbers are XXXX and XXXX. 

I have file a complaint before. Later, the company agreed to send me the refund, but they never did. Then the complaint was closed. I have called the company several times. They said they need to further investigation and let me to wait for more days. The company is dishonest, and they lied to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I sent a check for {$20.00} to Bread as payment on my loan. Bread has several different service contracts with various merchants, and the one governing my loan prohibits check payments which are legal tender under US banking law. Bread received my check, cashed my check, and refused to credit my account for the payment they accepted. I was not notified that they would not accept the check ; I only received demands for payment. Upon contacting Bread, I was advised that they did not accept checks, that they had cashed my check and that they had issued me a refund check which had been mailed to me on XX/XX/XXXX. To this date, I have not received this refund check and Bread has refused to provide me any documentation of its existence. Bread also refuses to credit my account for the check that they cashed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 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: CT

Complaint narrative:
On XX/XX/2023 I received a Venmo transfer of {$1000.00} to my Venmo account. This {$1000.00} is child support. On XX/XX/XXXX I tried to transfer this into my bank account. It would not transfer. A couple of hours after that, ( Meaning hours in the middle of the night ) I woke to my Venmo account being suspended. I received an email from Venmo stating that my account had been frozen and that I needed to provide proof of identification. I immediately emailed a copy of my government issued driver 's license. I did not hear back from Venmo until XX/XX/2023 stating that my account has now been deactivated due to activity that is in violation of their user agreement. Upon reading through their entire user agreement policy I found nothing that demonstrated any actions by myself that was in any violation. Venmo did not provide any description of violation. I have sent numerous emails to customer service for an explanation and a request to release my child support money. I have called their customer service number which only allows you to use automated prompts but not speak to anyone. I have sent emails each and every day requesting my money as well as an explanation from Venmo. I receive the same emails from different " team members '' from Venmo stating the same " copy and paste '' responses or automated responses.. I do not use Venmo regularly and when I do it is consistent and with the same people or local community events. I have received child support through Venmo. This has created an extremely stressful situation for myself and my family. I am not certain how Venmo can hold {$1000.00} of my money. This money on all accounts is legally my money, my child support money. I am in great need of this money. After doing a tremendous amount of research on the Venmo company it has been brought to my attention that this is something they have done to thousands of customers. How is this legal? The fact that they have no means of speaking with a live customer service representative screams " scam '' to me. How is this not criminal? Venmo has created a major issue in a household. I have filed complaints with the XXXX XXXX XXXX and after seeking legal advice it was recommended that I file a complaint with CFPB. This is now my third step to retrieve my money. I have contacted legal assistance on this matter as well, Venmo needs to return my {$1000.00} immediately. This is child support!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
SAVE application was filed with Federal student aid.gov on XX/XX/2023. Application was sent to Nelnet on XX/XX/XXXX. I also applied for PSLF through XXXX. On XX/XX/XXXX, Nelnet advised that loans were being transferred to XXXX. It was then that I realized my loans were approved for PSLF. 
On XX/XX/XXXX, i received a notice of billing from XXXX. The bill did not reflect a lower billing amount from SAVE. In fact, the bill is unaffordable for me. I called XXXX, and they stated that they never received a SAVE application from Nelnet. I called Nelnet on XX/XX/XXXX. They swore that the federal SAVE application was sent to XXXX at the same time that my lowns were transferred-on XX/XX/XXXX. I called XXXX again. They stated it was not sent. Today I spoke with a high level supervisor at Nelnet. He confirmed that my SAVE application was NOT sent to XXXX at all. I asked why my SAVE application, as part of my file, was not sent with my loan transfer. I did not get an answer. So first I was lied to, then I got apologies. There was no notification from Nelnet that I had to reapply for SAVE, or that it couldn't be processed, until 3 weeks after my loans were transferred to XXXX. 
I had to reapply for SAVE on XX/XX/XXXX, making it too late to effect 2 bills from XXXX so far. These bills are unaffordable, causing me to go into forbearance. 
SAVE is a federally filed document. I should have been notified, as it was also part of my account, of anything regarding its processing.

Company response to consumer: Closed with explanation