vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: GA

Complaint narrative:
I am writing to formally report retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in response to my initial complaint filed against them. It appears that they have manipulated my credit collection balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not. I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by 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 explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Ive used Venmo, XXXX XXXX PayPal, XXXX and XXXX now for about 6 years. But Venmo is a regular online payment app that a lot of my customers end up paying me through. Well last week my regular customer went to send me what he owed me through Venmo and he has done that almost every single time, said it wouldnt let him sent it because my account wasnt accessible. So I looked and saw they froze my account. I got in contact with that multiple times and followed their instructions step by step and ended up sending them a copy of my legal drivers license. I was told within minutes that they received it and are reviewing it and should take long to be unfrozen. Its now been 4 days and I have had no response from them. Ive called 3 times just this morning because since they froze the account my cell phone was shut off and thats costing me an extra {$20.00} for the reinstatement fee. ( I was transferring money from my Venmo to my bank account to pay it ) and I finally got to talk to a normal human today and asked why it was frozen, ( XXXX ) told me that someone had tried to access my account, refused to tell me the region or the device used. If he would have I could either tell him, that was 100 % me personally or oh my XXXX, thank you for tracking that if it wasnt actually me. He kept interrupting me and when I told him to stop interrupting me while Im trying to explain things to you, he hung up on me. I called back and got through to another guy, ( XXXX ) tried to explain things and I asked if he could tell me why it was frozen, he says theres no possible way for us to see why it was frozen, only the account specialist can see that so I asked to have him transfer me to one and he said the specialists dont talk to the customers for any concerns so either him or XXXX XXXX straight to me. I then asked for his name towards the end of the conversation and he said Im not disclosing that, Im ending this call and hung up. Called again and got through to a lady and asked for the names of the last 2 guys I had been in contact with, she gave them to me. And I still have got no resolution for the issue they have caused me and still no email response, chat in the app response. Or anything! Absolutely 100 % HORRIBLE customer service and once its all handled I will NEVER EVER have anything in an account that involves Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.

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 2023-11-24 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: GA

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-24 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. I did not authorize these inquiries. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/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 2023-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I reject the previous response from southwest recovery service inc. they purchased this debt from a third party, and it is an illegal attempt to collect this debt. I have no obligations to pay this to XXXX XXXX, and I have no wet ink signature contract with southwest recovery services. I am informing I will have to pursue a lawsuit. It needs to be removed from my credit report immediately, and they have broken several consumer laws.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-11-24 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: OH

Complaint narrative:
After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I do not own a credit card nor have I ever in my life. I recently checked my credit score and there is a XXXX XXXX card in my name with a XXXX $ balance. I called XXXX and there saying I dont have an credit card account, based off of my name, and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.

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 2023-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am currently behind in my mortgage and I am trying to sell the home. But it is liens on the home. The house was in foreclosure so to stop the foreclosure I had to sign some papers that added XXXX more to my mortgage. I had no choice. Now I have a offer but the offer does not cover the new amount and the liens. I have asked for a short sale once before and the liens would not accept less. Here we are in the same position. I feel the mortgage company is trying to make this house go into foreclosure again so they can take the house. I have tried everything I can to sell this house. But they refuse to go down on the price of the house. Or at least honor the original price so the house can be sold. I will not get a dime out of this house. And I am okay with this. I just want the house sold. But no one wants to work with me. This house has ruined my credit since covid. It's almost year later and I can not get any assistance with selling this home

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 2023-11-24 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've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went to my TD Bank app to check my balances and it would not open to display my accounts/balances/transactions. It popped up a message instructing me to call the TD XXXX number for assistance. 

I called that number. The lady indicated both my checking and savings accounts were 'frozen ' and I would need to physically go to my local branch. I asked her what was the reason for this, and she responded with, " It does not say why ''. 

I immediately ordered an XXXX ( I do not drive ). Upon entering the branch, the teller asked how she could help me. I explained their app would not display my account information and the XXXX number lady " could not provide account information '' and told me to go to my local branch. The teller looked up my accounts and right away told me to have a seat in the waiting area. Within minutes, XXXX XXXXXXXX XXXX of the branch, called me into her office. Upon sitting at her desk, XXXX asked how she could help me. I explained the same thing, that I was unable to access either of my accounts. She looked them up and said, " Yes, TD has chosen to end its relationship with you. '' I was completely shocked and taken aback. I asked why this was happening, and yet again, XXXX said " there is no reason provided. '' I requested my money from my checking and savings accounts and XXXX told me they can not give my money back to me right now. I have over {$270000.00} in their bank between the two accounts. XXXX said TD will be mailing me a letter and, once I receive that letter, I can then request my money, which will be mailed via check. I asked XXXX how long this process will take and she indicated she did not know. 

In the meantime, I literally have NO MONEY to buy food or medicine. This occurred on XX/XX/23, the day before XXXX! Additionally, tragically, my registered emotional support animal was very sick ( I am diagnosed with severe panic disorder and XXXX  XXXX ; I asked XXXX to show her the paperwork I carry everywhere confirming my diagnosis and reliance on my pet as well as call the vet there in her office so she would know I wasn't making any of it up ; she declined to review it ). I had a vet appointment for him that very afternoon. I BEGGED XXXX for at least enough money to take him to the vet. She said there was nothing she could do. 

My pet later died in my arms, XXXX morning at XXXX. TD Bank killed my emotional support pet. It is now XX/XX/XXXX I am running out of food and I am unable to get medication refills. I literally have NO MONEY. What am I supposed to do??!! How do I get my money from TD Bank???????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid 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 called Amex gift card services numerous times regarding all of the declined transactions. I have tried to use the card at XXXX, XXXX, XXXX, XXXX and also in person at a hair salon- all have been declined. I called customer service and all they say is that all these are blocked merchants. They said to use the card in person. However, it doesn't work anywhere. I asked them to send me a new card and they said it can't be done unless I get declined. OK ... It's declined EVERWHERE, so why is Amex holding these funds? They are scamming people and blocking major retailers, therefore making the card useless. DO NOT PURCHASE AMERICAN EXPRESS GIFT CARDS. AMEX BLOCKS EVERY TRANSACTION AND THEY KEEP THESE FUNDS. HOW IS THIS LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to formally report retaliation by Columbia Debt Recovery aka Genesis Credit Management in response to my initial complaint filed against them. It appears that they have manipulated my credit balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by Columbia Debt Recovery aka Genesis Credit Management.

Company response to consumer: Closed with explanation