vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please Investigated the following accounts as I don't believe the information to be accurate. Please remove the following address from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please verify these accounts. XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Attorney General. I also noticed you are reporting multiple late payments on my credit history. I believe these to be accurate. please check your records and verify the accuracy of each late payment being by your company, XXXX XXXX # XXXX Please verify this account.

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 2024-10-28 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: MO

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 ( XXXX ), 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. 

XXXX XXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MO

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 ( XXXX ), 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. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX MTG XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/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 2024-10-28 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: MO

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. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: CA

Complaint narrative:
I go threw the card company way2go threw child support and the last time I was aware of any deposits was back in the middle of XXXX and I haven't got any deposits for a while and I thought I had my card in my storage and didn't think nothing of it because I haven't got a deposit for a long time well they was supposed to be sending me bank statements every month and I haven't got one since the middle of XXXX and XX/XX/XXXX I received a statement for XXXX of XXXX and as soon as I got it I called the same day and told them I was not aware of any deposit on XX/XX/XXXX of XXXX and I was not aware of any transactions after that date they said they could file a dispute and I would get my money back now they are giving me the run around now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a human trafficking survivor/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

Lvnv funding ( I never had a credit card in my life ) XXXX XXXX XXXX XXXX XXXXXXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an XXXX came to do the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NJ

Complaint narrative:
This vehicle was totaled and removed from my insurance policy on XX/XX/year>. XXXX has since notified XXXX who has been in possession of the leased vehicle. There would be no payment due after XX/XX/year> yet XXXX has not returned my full security deposit, corrected the credit report as it should have been current and no payments due after XX/XX/year> 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 2024-10-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This vehicle was totaled and removed from my insurance policy on XX/XX/year>. XXXX has since notified XXXX who has been in possession of the leased vehicle. There would be no payment due after XX/XX/year> yet XXXX has not returned my full security deposit, corrected the credit report as it should have been current and no payments due after XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NJ

Complaint narrative:
This vehicle was totaled and removed from my insurance policy on XX/XX/year>. XXXX has since notified XXXX who has been in possession of the leased vehicle. There would be no payment due after XX/XX/year> yet XXXX has not returned my full security deposit, corrected the credit report as it should have been current and no payments due after XX/XX/year> 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 2024-10-28 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, Experian, and 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One now has Kohl 's credit card. I already had a Capital One through Walmart. Now, I can not get through the automated system to create, check or confirm payment status. If I call their automated system, I it does not recognize the card I am calling about. It says that it can not understand or hear me, even though I am using the keypad. When I ask to speak to a representative, it repeats the request for me to ask for a representative or enter any number. Then it tells me it can't hear me and there must be a problem with the connection and, instead of shifting to a representative, hangs up. The phone number on the back of the credit card no longer works. I try to get into the computerized system, it doesn't recognize the information and wants the security code to a credit card number that isn't mine, even though I have already verified my identity with my name, social security number, and date of birth and address. This not only happens on my Capital One/Walmart card , it also happens on my Capital One/Kohl 's card. This is happening every time I try to go into the card and began when Capital One took over Kohl 's credit cards. Note, I did not ask Kohl 's to sell their credit services and had I been asked if I wanted to remain as a store only card OR have another Capital One, I would have said no to a second Capital One linked to Kohl 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am filing a complaint regarding ongoing unresolved issues with Venmo that have led to undue stress, restricted access to funds, and inadequate responses from their customer support team. 

Summary of Issues : Transaction Holds and Refunds : Venmo flagged certain transactions on my account as " goods and services, '' even though they were sent in error and subsequently refunded. Despite this, these transactions continue to show as " on-hold '' on my account. This has led to unnecessary requests for my tax identification information, which Venmo has repeatedly threatened to send to the IRS if I do not provide it. These threats persist, despite the fact that I have clarified these transactions were refunded and not intended as taxable goods or services payments. 

Inconsistent and Ineffective Customer Support : I have submitted multiple screenshots, emails, and follow-up messages explaining the error and requesting resolution. In each response, I am met with a generic response and troubleshooting steps that do not resolve the technical issue ( e.g., uninstalling and reinstalling the app, restarting the device ), all of which I have attempted to no avail. Venmo support continues to ignore or dismiss the specifics of my complaint, including the fact that these transactions were refunded and should not affect my account. 

Request for Transaction Records : I requested a XXXX file of my transaction history to review all account activity in detail. Venmo has failed to provide this file, despite my repeated requests. This has hampered my ability to verify and resolve the issue independently, as I lack the comprehensive transaction records that Venmo could easily provide in XXXX format. 

Impact of Issues : These unresolved technical and support issues have caused significant stress and inconvenience, restricting my access to funds and creating uncertainty around my financial records. 

I request that Venmo : Correct the technical issue displaying these refunded transactions as on hold in my account, which affects my app experience and causes further confusion. 
Cease unnecessary tax information requests and threats to report my information to the IRS for transactions that were refunded and not intended as goods and services payments. 
Provide a XXXX file of my complete transaction history so that I can review my account activities accurately. 
Thank you for your time and assistance. I hope to see a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today is XXXX XXXX I went to my online Bank of America account I use for business to send a wire to XXXX XXXX XXXX XXXXXXXX for Product they delivered to our business expecting to receive a same day wire for payment in full {$11000.00}. There was not a hold on any monies in this account this is a new business partner and this is the first wire we sent so they called me to validate the wire. I confirmed all of my account information log into their system with all my passwords and they sent a separate code to my phone. 

My identity was certainly validated however they said I would have to pay another way cash or check. This has caused a grievance with a new business partner and those are my monies to access how I chose. This should be against the law!

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 2024-10-28 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have bought approximately {$15000.00} of American Express prepaid gift for personal and business use, as well as gifts for the holiday season. I bought this amount because of American Express promotion being currently run to promote purchases of these gift cards. 

These gift cards are marketed as being usable ANYWHERE that American Express credit cards are accepted.

Since buying them and attempting to use these gift cards, I have found that American Express restricts their use for many, if not most vendors. 
These are restrictions placed by American Express and not the vendors, as I have confirmed in each case. 

These vendors include very mainstream vendors, such as XXXX, XXXX XXXX ( utilities ), XXXX XXXX, and healthcare providers. In fact, anecdotally, the cards fail more than they succeed.

I have attached one screenshot from the American Express website showing multiple failed usage attempts despite the balance being available. I have printouts of other cards showing attempted usage at the other vendors if you require them. 

After doing some research, I note that the Internet is filled with hundreds of stories about the difficulties in using American Express gift cards, spanning back years. See this XXXX thread from 4 years ago and 1 year ago, respectively, outlining effectively the same problem. 

https : XXXX https : XXXX I have attempted to reach out to someone live in the past weeks at American Express gift cards . Their phone number is 100 % automated, as far as I can tell, and I can not reach a live person. The general American Express line just redirects me back to the gift card line, which is automated.

As I found that these cards are unusable, I have stopped my original plans to gift them and they are unusable. 

I would like to refund these and I believe American Express needs to stop marketing these as usable anywhere where American Express credit cards are used. That is clearly a false statement and it is influencing consumers to purchase these gift cards, despite being false.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 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: Mercedes Benz Financial Services
State: PA

Complaint narrative:
The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I or my mortgage lenders are unable to pull up my file, for the past 3 months of trying to get them to clear the issue they have not been able to, I was told twice to send in my DL and SSN with cover letter, to address they provided, using certified mail which I did and both time they say they have not received the documents, even though the tracking says they were picked up both times, they are now asking I send for a third time, this in unacceptable, we were trying to purchase a home but cant even get the pre-approval because of this

Company response to consumer: Closed with explanation