vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This complaint concerns Venmo support ticket XXXX, filed in response to a {$1000.00} transaction on XX/XX/2023 from my account ( XXXX ) to user @ XXXX. I was the victim of an employment scam, and this account fraudulently collected money from me. When I contacted Venmo, they said they take it seriously but would not reverse the charges not provide me any further information, citing privacy like a shibboleth that magically excused their failures. 

The account contacted me claiming to be XXXX XXXX XXXX XXXX XXXX ( they were not ) and offered me employment. After a fairly normal interview process, they sent me a check to buy equipment for my home office. That check then proved bad after I paid their alleged vendor, and I am out {$1000.00}. I acknowledge that I made a serious mistake in not doing better due diligence. I also acknowledge that the criminal here is the root of the problem. However, I allege the following against Venmo : XXXX ) There must be some way to challenge fraudulent payments. Venmo flatly refuses to provide any remediation path whatsoever, and they won't even talk about it. 
XXXX ) Venmo failed to verify the identity of their customer @ XXXX, and this resulted in a fraudster using their network and their inability to track them. 
XXXX ) Venmo failed to take adequate steps to make sure those using their platform were doing so in an honest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a letter dated XX/XX/ from Citizens Bank saying that they were unable to approve my recent application for a credit card account. The letter said the reason they weren't able to open an account was that they were unable to verify information provided on the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, called and requested during XX/XX/XXXX for EQUIFAX to release the credit freeze placed on my account as well as send an updated copy of my current credit score. A EQUIFAX representative assured me that this was done however TODAY, XX/XX/XXXX, I go to finance a phone that I desperately require and deserve only to to find that EQUIFAX still has a freeze placed on my consumer report without my consent so I am unable to exercise my federal right to credit as a U.S. Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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:
I am writing to formally register a complaint regarding what appears to be many numerous attempts to remove fraudulent items from my credit report. I have observed multiple suspicious activities that suggest a potential compromise of my credit information, and I am deeply concerned about the integrity and accuracy of my credit file. 

Despite these removal attempts, I have not been contacted by your agency for verification purposes. It is disconcerting that such significant changes to my credit report have been initiated without proper authentication. 

Given the nature of these activities, I am highly alarmed about the possibility of identity theft. I have taken steps to secure my personal information, and I expect your agency to investigate these matters thoroughly. 

I kindly request that you initiate an immediate and comprehensive investigation into these incidents. Additionally, I would appreciate regular updates on the progress of the investigation, including any findings and actions taken to rectify the situation. 

To assist with your investigation, I have attached relevant documents. 

I understand the importance of maintaining accurate and secure credit information, and I trust that your agency will take the necessary steps to address this matter promptly. I am also prepared to take further legal action if the issue persists without resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX  Balance {$4100.00} XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX Inquiry : 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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Conatcted XXXX XXXX, XXXX XXXX and disputed witb transunion so XXXX XXXX got one loan started paying back lost contact it went into collections i got a letter a year ago stating that it was no longer owed i was given a good will forgivenss and its no longer there well on credit report it still shows and now it says i owe it twice when i only did once and it was forgiven!!! Then XXXX XXXX says i got a loan in XXXX of 2022 in north carolina i libe in ky conatcted them they tried to say its legit i kmow its identity theft for i have never eveb traveled to north carolina same disputed with transunion and once again NOTHING THIS IS DAMAGING MY CREDIT and idk what to do please help me!!!!

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 2023-12-06 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We believe that we were tricked into obtaining a Chase mortgage to purchase our home in XX/XX/ XXXX Chase advertised a " 21-day Closing Guarantee '' on its website promising to pay new home buyers {$20000.00} if closing does not occur within three weeks of the mortgage application. We completed our application on XX/XX/. They sent us a rejection letter claiming we closed 18 days after XX/XX/XXXX but we closed 26 days ( XX/XX/XXXX ) and that they needed 3 days after a Chase approved inspection. Our home inspection was on XX/XX/XXXX ( 25 days before we closed ). We were never asked about an inspection or notified if our inspection was " approved or not approved ''. The two excuses are inaccurate and not correct. They have given us about 5 different excuses now through emails and through our rejection letter that are all Chases fault. They are lying and not being honest. We have all the emails and documentation to prove that it was Chase 's fault for our delay in not closing within 21 days. We believe they are falsely advertising this guarantee. I would be very curious if Chase has even paid anyone for the " Closing guarantee ''. Chase has made up a lot of excuses as to why they won't pay us.

We had a lawyer send a demand letter and Chase sent a rejection letter to us, which is how we found out the information above. The two excuses in our rejection letter were false and not accurate. Chase is refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened an American Express XXXX XXXX card on XX/XX/XXXX to earn a welcome bonus of XXXX membership points after spending {$15000.00} on my card within the first 3 months. I got the card and met the minimum spending requirement. I checked with the American Express customer service team on XX/XX/XXXX to confirm that my spending requirements were completed to earn the welcome bonus. I was given a response that Treasury payment to IRS did not count towards earning welcome bonus. I chatted with American Express customer service on XX/XX/XXXX again and I requested him to open a case to his supervisor investigate my issue. The representative denied my request and said that IRS payment was not eligible for welcome bonus points, however they were eligible to earn regular membership points. IRS tax payment is XXXX of the ways, I had planned to meet minimum spending requirement on my Amex card. I do not see any specific disclosure from American express that IRS tax payment will not earn welcome bonus. This card has a hefty fee of {$690.00} and I request Amex to research the issue and help me out. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Since XXXX of 2023 I have been sending Caine and Weiner letters to validate the debt they say I owe to them. They have not provided me anything that validates the debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct.

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6 ) The purchase agreement.

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt.

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct.

9 ) Master Bill of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the past year, I have written multiple letters to Equifax Information Services LLC and XXXX Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent Equifax and XXXX my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, Equifax have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that Equifax and XXXX have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Equifax and XXXX should be penalized for not following FCRA laws. Also, including that my personal information was impacted by Equifax XXXX XXXX back in 2017. Equifax and XXXX have failed me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im requesting that all fraud alerts be removed from my consumer reports, as of today please remove all fraud alerts from all consumer reporting agencies. And notify all furnishers.

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 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
XXXX XXXX charged me {$320.00} on XX/XX/XXXX and {$91.00} on XX/XX/XXXXXXXX XXXX XXXX set the wrong insurance ( XXXX XXXX XXXXXXXX ) and never contacted me for the correct insurance XXXX XXXX XXXX XXXX XXXX XXXX ) or with a bill via phone, mail, or email. XXXX XXXX sold the debt in XXXX to Receivable Management Systems. Receivable Management Systems never sent me a letter to the address provided to them by XXXX XXXX. I have never received documentation from Receivable Management Systems, even after requesting it once I checked my credit and saw the collections account. I called XX/XX/XXXX and was told the account has been accruing interest since XXXX, and the amount owed is {$900.00}. I was unaware of this collection account, and Receivable Management Systems never reached out to me and has an address on file they pulled from some unknown source. Receivable Management Systems have never reached out to the address they have on file. 

Receivable Management Systems XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Toll-Free Hours of operation : Mon. XXXXXXXX XXXX XXXX XXXX XXXX Friday XXXXXXXX XXXX XXXX XXXX Saturday XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2023-12-06 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: CAVALRY INVESTMENTS, LLC
State: DC

Complaint narrative:
CAVALRY Bank is still reporting on my XXXX credit account. 

I do not have any recent existing bank with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-12-06 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: MO

Complaint narrative:
My money is being held for no reason. Ive been using this platform for over and year with no issues as far as my business goes. Now all of a sudden they want to hold my money the first of the month when bills are due. Im unable to properly service my customers due to funds needed for service being held for no reason by PayPal. I would like access to my money and closure of my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Since XXXX of 2023 I have been sending Capital One letters to validate the debt they say I owe to them. They have not provided me anything that validates my debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance. 

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct. 

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported. 

4 ) The Agreement that grants you authority to collect on this alleged debt. 

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

6 ) The purchase agreement. 

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt. 

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct. 

9 ) Master Bill of Sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im requesting that all fraud alerts be removed from my consumer reports, as of today please remove all fraud alerts from all consumer reporting agencies. And notify all furnishers.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im requesting that all fraud alerts be removed from my consumer reports, as of today please remove all fraud alerts from all consumer reporting agencies. And notify all furnishers.

Company response to consumer: Closed with explanation