vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I had a Venmo account that got closed back in XXXX  They told me NOTHING about why. They basically said we arent gon na divulge why we shut your account down & also not gon na reply to your emails Im almost certain I had money left in there too. 

Fast forward, I end up creating a new Venmo a few months later. Ive been using this Venmo for FOUR years now. ZERO ISSUES. Money going in & out. Im verified. Social is attached. Photo ID. Etc.

Well today, FOUR YEARS LATER, they suspend it. I check my email to see an email from someone saying they arent giving it back bc they already told me in XXXX I was banned. 

What Im gathering is bc Im using the same email that was associated with said account from 4 years ago, theyre reopening that ticket. 

I honestly dont know but once again, I was told nothing & told they would not be responding back to me about it or why. 

Regardless, you mean Ive had this account for 4 years & today you are tying this account back to one you banned 4 years ago. 

Not to mention, I forgot my password to it & CALLED SUPPORT yesterday to unlock it & they did. With no problems. 

Only to 24 hours later ban it & for what??? I havent done anything dude. At all. 

How do they get to just pick & choose who they ban & then not even tell you why????? 

So I said XXXX it, I went ahead & closed the account they suspended today bc I already knew it was gon na be the SAME BS from 4 years ago & I created a new one but this time with a different email so they wouldnt confuse my new account with the XXXX from XXXX again. 

IMMEDIATELY after making it, I was suspended AGAIN! 

This is insanity. 

Ive had the best experience with their customer service team via phone the last few days bc Ive been setting my husband up one & also getting mine squared away, only to within hours have the worst experience with them. 

All of this to say the ONLY reason I even want/need a Venmo is because I am running a XXXXXXXX XXXX XXXX XXXX. Its called XXXX XXXX XXXX We put a random mom up every week, as our mom of the week & all the moms in the group have the opportunity to bless her with {$1.00} if they choose to. 

In the last 12 weeks we have total as a group XXXX XXXX with over {$100000.00}!!!!! Our last mom received {$14000.00}. 

We truly do NEED access to Venmo so we can continue making this happen. I dont necessarily need mine bc I dont put myself up as mom but its the point. How am I supposed to feel comfortable telling other moms to utilize Venmo if theyre being god awful for me?????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX I purchased two racing experiences from XXXX XXXX XXXX  each costing {$320.00} One for my husband XXXX and my son XXXX. We had a scheduled race on XX/XX/XXXX. XXXX had a rain event and the race was cancelled. A new race was then scheduled for XX/XX/XXXX by the company. Just shortly before that race we were informed it was cancelled due to the tracks race schedule. They sent an email that said our booking was secure through XXXX. Yesterday we checked the schedule for fall. They only come to XXXX twice a year. Our search revealed they shut down operations in XXXX and did not inform us in anyway. My husband found the information on XXXX. All communications are now unavailable. We immediately call our credit card company. ( Chase ). We asked to file a dispute. They said no because of the dates and made it clear that we have no recourse. Quote : I dont want to give you false hope so its best if you know there is no way you will get this money back. 
I have screenshots of all communication and documents that I will upload to you. Thank you in advance for your help in this manner. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not responsible for the CHARGE OFF WITH XXXX XXXX. My Credit Report is being used incorrectly as this company as sold my debt to a debt collector by the name of XXXX XXXX XXXX XXXX, XXXX and I didn't receive a 1099-C either. This goes against consumer rights including 15 USC 1681 ( e ) B and I will be furthering legal action.

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 2024-09-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not responsible for the CHARGE OFF WITH XXXX XXXX. My Credit Report is being used incorrectly as this company as sold my debt to a debt collector by the name of XXXX XXXX XXXX XXXX XXXX and I didn't receive a 1099-C either. This goes against consumer rights including 15 USC 1681 ( e ) B and I will be furthering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-06 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXX XXXXXXXX XXXX who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX  XXXX  Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXXXXXX XXXX XXXX  who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX, Trafficking Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts 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 explanation
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargos bank has already been sued for overdraft fees just last year, I am shocked to see they are still charging people illegally. I received an overdraft fee of XXXX dollars on for a transaction, while there was money in my account to cover the transaction. I monitor my account very closely to make sure I do not occur any late fees. I recieved an overdraft fee notice for a transaction of XXXX for a company that ach drafts my account every month. I had money to cover the transaction, I had money in my account even after the transaction was covered. I sent someone XXXX cents, after my account went to XXXX dollar balance. Once my account went to XXXX dollars, a charge of XXXX made my account go into negative. Instead of me getting a notification and grace period for this charge which made my account go in negative, I get a notification from Wells Fargo stating my account was getting an overdraft fee for as charge that happened in my account when the money was there to cover that transaction. Even after noticing the error, I still debited my account XXXX and another debit of XXXX cents to put my account back in positive after it went negative because of the XXXX dollar charge. I still recieved a XXXX overdraft fee. I called the bank to ask them if they could reverse the charge. I explained to them the error, that the notice gave me an overdraft fee for a charge that the Money in my account should have covered. The rep told me I was correct that I did have Money in my account but because it was ach it didnt post until 2 days later. He never addressed the actual charge that put my account in negative nor did he address the fact that I added money in my account for that transaction as well. He told me they would not reverse the charge and for me to make a complaint to the cfpb, as well as the occ about the overdraft fee. The charge that put my account in negative was refunded to the bank, I explained that to the rep and told him since that charge was refunded my account should have never went into negative, he still stated they would not reverse a charge I should have never incurred. He then told me to make a complaint to the cfpb and occ about this incident because he was not going to reverse the charge even though he said I should not have recieved 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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMERICAN EXPRESS COMPANY c/o XXXX XXXX XXXX XXXX XXXX  XXXX c/o XXXX XXXX dba XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Application : XXXX XXXX  Number : XXXX XX/XX/2024 Greetings, How can I be denied credit as an investor, especially when my signature created the securities that American Express is reaping the benefits of? Where is the fair exchange? 

Concerns 1. **Securitization of Credit Application** : A certified XXXX Securitization Audit Report in my possession shows that American Express securitized my credit card application, creating a bond that is being traded. This makes me a silent investor in American Express. 

2. **Violation of SEC Rule 10b-5** : I also discovered that American Express is secretly trading this security on the secondary market which contradicts its SEC filings. This appears to violate the Securities Exchange Act of 1934, Rule 10b-5.

3. **Potential Tax Evasion** : The actions by American Express may have tax compliance implications, which I intend to report to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio recovery and Associates garnish my bank account on XX/XX/XXXX. For a XXXX XXXX debt they said I owed in XXXX I have no idea what they're talking about. I called the courts and they said it was from a judgment in XXXX that I never attended. So XXXX years later they can just seize my bank account and never notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXXXXXX XXXX XXXX who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX XXXX  Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts 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 2024-09-06 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: MN

Complaint narrative:
I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where XXXX, Equifax and XXXX are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX  of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MN

Complaint narrative:
I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where XXXX, XXXX and Experian are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.

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 2024-09-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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