vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Please refer to Complaint Number XXXX, which I incorporate into this complaint by reference. I repeat and reallege all allegations of that complaint as though fully set forth herein. 

I MAKE THIS COMPLAINT AGAINST BOTH PAYPAL AND VENMO. VENMO IS IN SOME FORM OF SUBSIDIARY RELATIONSHIP TO PAYPAL. 

Venmo/PayPal XXXX through its own fiduciary failure has frozen {$2000.00} that was deposited into my brand new and only Venmo account. Venmo support sent me an email saying essentially because of their own workload considerations, that they will take 7 days to two weeks to free up these funds which they had no right to have locked in the first place. 

This is a gross fiduciary violation. Venmo / PayPal should be enjoined by the federal government from operating unless and until they correct their abuse of their fiduciaries ( in this case myself and the relative who sent the {$2000.00} ). We used Venmo on the good faith belief that Venmo would not engage in its fraudulent misconduct and fiduciary abuse. 

Announcing that it would take up to two weeks for them to reverse their egregious abuse and theft of these funds constitutes WILLFUL, KNOWING theft of the funds, and WILLFUL, KNOWING fiduciary abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I reported my XXXX XXXX was stolen. I contacted the XXXX, NC XXXX county police department and the insurance company. I found there was no theft coverage on the policy. I was told that Exeter automatically puts full coverage on the vehicle when collision is dropped. There was no coverage. I received a phone call on XX/XX/XXXX the car was found at a tow wreck yard It was stolen, wrecked and not drivable. The airbags were deployed. I picked it up and paid {$190.00} for storage and tow fees. I picked it up because I knew I could not afford storage fees Thank God I got it because it would still be sitting in the tow yard and billing me. When I saw my car, I cried. I had it towed home and was told by XXXX care they could not cover the repairs due to theft. I never received any mail or documentation of such ; however, XXXX did not cover the repair. I received a personal quote including air bags that deployed. I was told my XXXX and XXXX XXXX the truck was totaled. I called Exeter on XXXX and was told they were going to repossess the vehicle for nonpayment. I was then told they would come get the vehicle as a voluntary repossession. I contacted Exeter on XX/XX/XXXX asking for paperwork or correspondence showing they would repo or voluntarily repo the car or at least send someone to look at it. On XX/XX/XXXX, i reached out and was told there was an open investigation. I advised them i just needed proof that the car was being worked on their end as far as repo or voluntarily repo. The car is still in my driveway as of XX/XX/XXXX. I just ask that the car is taken off my credit due to this vehicle not being able to drive and was stolen and I can not afford to pay for the car. Due to the theft, I lost my job, and I am facing an eviction due to not being able to make money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, XX/XX/2022 and XX/XX/2022 letters were gone out to Trans Union informing them of inaccurate information that was not reporting correctly on my credit report. Such as XXXX XXXX XXXX account # XXXX which is not mine and consumer fail to send me a written notice prior to placing this account on my credit report.Delete account 2. XXXX XXXX account # XXXX this account doesn't belong to me and I've never received any written notice prior to placing account on my credit report. Delete account 3. XXXXXXXX XXXX XXXX account # XXXX this account is reporting 30 days late on my account and I was never late because payment was drafted from bank account. Update to paid/never late 4. XXXX XXXX XXXX account XXXX this account is showing late and it was never late because payment was taken directly from bank account. update to paid/never late Trans Union never responded to any of my letters by conducting a proper investigation and due to no response ever I am requesting immediate actions to be taken against the accounts above by removing the account and updating other accounts as paid as agreed. Letters that was previously sent will be attached to this complaint. 

I am demanding that Trans Union comply with Metro 2 compliance reporting standards.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My account was suspended on XX/XX/2022 due to suspicious activity. My account had {$12000.00}. The suspicious activity being gambling and withdrawing/depositing often from the same apps. This past year and a half I have been sports betting. I went on a very lucky fortunate run to make a good amount of money. The bank has asked me for identification which I provided. After this, they asked for an explanation of the funds that fund my gambling. I deposit and withdraw often from the same apps. I funded my gambling through the previous years of financial aid and work study I received from XXXX in XXXX. I gained near {$8000.00} from financial aid services and work study. I saved this money and used it for sports betting. Chime continues to ask for a source of income from the year 2022 but there is no source of income. I havent worked. My source of income has been sports betting. I used the {$8000.00} to make nearly {$40000.00} within a year. I used the money I saved from XXXX to go on a run of sports betting. I live in New Jersey where sports betting is legal. Ive showed them all the documents from my financial aid to show proof of how much I received. Also I live with my parents so I dont have any bills which is why I was able to save my financial aid and work study from previous years. I feel stuck in what to do next because the company keeps on asking for a source of income which isnt available. The source was my financial aid which they arent accepting as an answer.I worked hard for this and they are taking away my {$12000.00}. Ive showed them my sports betting winnings and account to show proof of how much Ive won this year. 

The bank closed my account on XX/XX/XXXX after I gave them an explanation of my funds. Chime also continues to ask me about a {$20000.00} withdrawal that I processed to XXXX XXXX XXXX. I opened an XXXX XXXXXXXX XXXX for protection and because XXXX has the best return rates in the country. I provided them with this answer and they keep on asking me the same question regarding why I withdrew {$20000.00}. I dont know what to do at this point. Chime isnt providing me with answers on what to do when Ive answered all their questions the past 3 months. They continue to ask the same questions even after the closure of the account and they have no good reason to keep my hard worked money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Good afternoon Team EXETER FI, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of EXETER FI XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: NC

Complaint narrative:
With reference of my previous complaint, XXXX The same loan Greensky is closed, however they are charging monthly fees, and calling and threatening they will report to credit bureaus. Already they reported as part of retaliation it actually impact my payment history. 

Last time didn't see a response from CFPB, so I called and enquired CFPB by the time the response window was over. 

IF CFPB is unable to support me then what other options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Velocity Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Listed Amount Due : {$10000.00} I contacted the collection agency asking them to verify the debt and not to report this on my credit and they did so anyway. They received my information illegally and called me multiple times during work. They have not responded to my email letter in over 20 days. Under the fair credit reporting act, this should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
XXXX, called me multiple times on XX/XX/XXXX. Within a matter of a few minutes. They have threatened to put it on my credit report which I understand is perfectly legal but it's for a debt that is not accurate. When I attempted to dispute that with them, they sent an invoice that is outdated and does not reflect the debt I owe. This is something they've done in the past and they literally just settled with the federal government a year ago

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from Experian, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company and their attorney sued me on the XXXX day of XX/XX/2022 after I send them a Cease & Desist letter on the XXXX day of XX/XX/2022 via certified mail with return receipt request to the company and their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: OR

Complaint narrative:
The amount owed has been paid or discussed and the item has not been removed from my credit report like promised.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank Processed a check for {$1000.00} at XXXX which caused an overdraft 0f XXXX. I setup electronic notification of any low balances and made a Cash Deposit of {$700.00} in the morning of the notification. This would have more than remedied this issue. I then noticed in the late afternoon of the returned check. I contacted PNC Customer service and confirmed this check was actually going to be returned. I asked for a Supervisor and talked to XXXX of PNC Customer Service who states she could not correct this issue. I find is unbelievable that if I setup these notifications and once I receive notification, I am not able to do anything to remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've reached out to the bureaus on these unverified accounts before and still TransUnion and XXXX are reporting the following incorrectly : XXXX  : Account number : XXXX, This is an unverified account that has been disputed before. Each bureau is showing a different Date last active. Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX ; whereas there is no reporting from XXXX. There are also inaccuracies with the Date Opened, High Credit Amount, Date of Last Payment, and lack of 2-year payment history. I see this account is still not remove. 

XXXXXXXX XXXX : Account number : XXXX, There is no reporting for this unverified account from other bureaus. This unverified account has also been disputed before.

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