vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In order for there to be truth in lending reports should be accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX I opened an account with Venmo, then I decided to get the Venmo debit card after that my troubles began that night they sent me 4 emails requesting a physical address, well I call them on XX/XX/XXXX talked to XXXX XXXX and explained my living situation situation and that I wasn't using credit cards any more and I would use there card instead of my personal debit card. Then on the XXXX? I received an email indicating they want a government issued id with my name on it fraud and scam flags I was thinking on the XXXX Venmo was concerned about my address then on the XXXX they were more concerned with my name, I have ask them 7 times to close the account, they refuse even after filling a XXXX XXXXXXXX XXXX report on Venmo screenshots of emails are attached, then on the 8 the they froze the account email attached for that stating that there appears to be activity on the account that was against there policies well I haven't even used the account and for some secret reason no one wants to tell the reason instead they insist on my government issued id NO NO AND MORE NOS I keep telling, they created a situation by freezing the account to have an excuse to request further identification which they have no right to ask for, all Venmo has to do is permanently close the account that's it, this continued absolutely abuse and horrific treatment by these people insisting on my id is not necessary they have no reason to want my I'd.they want my id to unfreeze my account so I can close it. Silly to me! Then I tried to get back into the the next day it was frozen, restricting my access to deleting my card off the account, to get my debit card off the account so I had to go to my financial institution and close that card immediately I knew I was being scammed, and I had been defrauded. As of XXXX on XX/XX/2023 the account is not close it is still open. After reporting Venmo to the XXXX XXXX XXXX Venmo still hasn't closed the account that why I have come to you for help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
The monthly mortgage payment process with Village Capital LLC is inefficient to say the least. I have paid my mortgage through my bill payer service with XXXX XXXX XXXX. 
Village Capital is purposely not processing the mortgage payments to then charge late fees. My payment in XXXX took 12 days to clear once received. They charged me a late fee of {$72.00}. My XXXX payment was mailed on the last day of XXXX and as of this writing, XXXX XXXX, according to the online site, have not received the payment. Trying to contact Village Capital ' customer support is impossible the last three weeks with approximately 4 hours on the waiting line and no return call made by Village Capital LLC about my payment issue. 
Village Capital & Investment, LLC XXXX XXXX XXXX XXXX, TX XXXX Customer Support XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In response to the FACT that CHASE IS ILLEGALLY HOLDING MY SALARY/DIRECT DEPOSIT AND LIYING TO ME THAT CHASE DOES NOT HAVE ANY IDEA WHERE IS MY SALARY OF {$2900.00}, SENT DIRECTLY BY XXXX XXXX XXXX I copy the link where it is SEEN THAT CHASE IS INVOLVED IN " Multiple chase users from all over the nation have yet to receive their direct deposit from chase bank XXXX They have called their employers but they confirmed the direct deposit payment went through. Chase is holding up people 's direct deposit for some unknown reason '' ( since 2020! ) See the link with customer 's complaints. https : XXXX. I AM NOT ALONE TO BE ROBBED BY CHASE AS MY DIRECT DEPOSIT/SALARY IS MISSING AND STOLLEN BY CHASE. MORE SO, I BELIEVE CHASE IS REVENGEFUL/DISCRIMINATORY FOR CUSTOMERS WHO HAS FILED PREVIOUSLY A CONSUMER FINANCIAL PROTECTION BUREAU AGAINST CHASE. I DID FILE A CFPB COMPLAINT AGAINST CHASE BEFORE, AND NOW CHASE IS WITHHOLDING MY SALARY/DIRECT DEPOSIT. CHASE IS RETALIATING AGAINST MYSELF. 
Chase is continuing the unlawful practices and making money ON THE BACK OF MILLIONS OF HARD WORKING AMERICANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I lost my wallet and debit card for several hours on the XX/XX/XXXX had it returned eventually. 
Chime spending acct debited XX/XX/XXXX @ XXXX XXXX XXXX XXXX charged card {$140.00} XX/XX/XXXX unauthorized charge reported claim XXXX new card issued to replace debit card XX/XX/XXXX Chime denied claim XX/XX/XXXX requested documnts used to make decision advised of dissatification with decision. 
XX/XX/XXXX chime advised to resubmit rebuttal with docs to claim XXXX XX/XX/XXXX chime received request for documents in decision 10 day window on response XX/XX/XXXX Contacted member services complaint on dispute department XX/XX/XXXX rebuttal along with screenshots of transfer from external accoounts to chime on day of. 
XXXX/XXXX/XXXX claim XXXX denied XX/XX/XXXX rebuttal with info received from merchant verifying someone else used card XX/XX/XXXX chime denied claim XX/XX/XXXX rebuttal with copy of charge from merchant showing someone elses name on acct card was used on XX/XX/XXXX contacted member service they escalaed issue beyond dispute dpartmenet XX/XX/XXXX chime denied XX/XX/XXXX received documnts from chime decision XX/XX/XXXX contacted merchant to provide sttmnt of chagrge XX/XX/XXXX rebuttal XX/XX/XXXX chime denied XX/XX/XXXX XXXX XXXX all docutmnts snt XX/XX/XXXX documents from decision XX/XX/XXXX chime denied XX/XX/XXXX final attempt explaining situation with documnts XX/XX/XXXX chime denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In order for there to be truth in lending reports should be accurate

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 2023-02-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In order for there to be truth in lending reports should be accurate

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 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Information on my consumer reports should be 100 % ACCURATE. This company says that they have nothing with an account related 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 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts.

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors.

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors.

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon.

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, 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 2023-02-11 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts.

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors.

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors.

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon.

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Information on my consumer reports should be 100 % ACCURATE. This company says that they have nothing with an account related to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Information on my consumer reports should be 100 % ACCURATE. This company says that they have nothing with an account related 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 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company calls me many times a day, I've repeatedly told them that the person they're calling for is not at this number, they refuse to put my number on a Do Not call list. 
The company seems to be Midland credit management. 
For the last year they've refused to even tell me the name of their company when I answer, the only reason I got it was I pretended to be the person they were calling for once, once they told me who they were, I informed them that this is not their phone number and to put me on the Do Not call list. That seemed to make the operator angry, even though I told them directly I just said yeah to the name they gave, and that was not in fact me I just needed to know what company was repeatedly calling. The operator used foul language with me and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
As my family was looking to buy a house in XXXX california - due to job changes, and our house already leased out coming up in XXXX, my credit score dropped by XXXX points. I assumed it was from a newly opened account to take care of emergency medical cost. I did not look further into it. I paid that bill off, and no change happened - so I looked closer, and there was one negative item on my report. I have spotless credit and suddenly this unknown company which I had never heard of has a XXXX dollar collection on my XXXX report. I immediately called them and told them I was a victim of severe identity theft. I sent them all of the documents ( police reports FTC affadavit, notarized, letter ). They assured me after a few days passed I neednt worry and it would be removed. It wasnt. I disuputed with the credit agency XXXX, and it was CONFIRMED as valid by the company after promising to remove it. I could not send through another dispute online so XXXX wanted me to send a letter which would make us basically homeless as renters would be taking over our house. I called again and was assured that the compliance dept would handle it They didnt. It was reported again on XX/XX/XXXX with additional interest. Called again was told to email compliance and they would send a letter of deletion. THey did not. I sent all of the documents requested to verify my identity and again the ID Theft which they had received many times throughout the years as it happened twice ( same style of fraud I believe it to be same person ). So we are close to XXXX the item remains on my credit and this company has done nothing they promise to do. My credit I have worked so hard on was devastated by this company, and they keep lying to me. This is having a grave effect on my new job, and health due to stress, as we need to prepare the house for renters and should have selected a home in XXXX XXXX by now, And Wakefield and Associates shows zero concern They also argue that they are not reporting it when I am staring right at the entry on XXXX. My score was XXXX now its like XXXX. I am in dire need of help. Please let this company know about the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-11 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-11 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: Possible Financial Inc
State: CA

Complaint narrative:
Possible Finance has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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