vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: IA

Complaint narrative:
My Venmo account was frozen on XX/XX/year>. I was told I would receive a second email telling me why but I never got one. I provided them with a picture of my state issued drivers license through the upload link they provided. After doing this I received no confirmation or possible timeline for resolution. Since then I have contacted customer service via email, in app chat, phone call, and XXXX to try and figure out 1. Why it happened in the first place, I have yet to find out 2. How to resolve the issue. First I was told I would receive an email with what further information they needed from me, which I never got. Everyone I talk to tells me they cant tell me anything and that a higher team is looking at it but they dont have access to those records. They have not or can not provide me with any sort of direct communication channel with this higher team. I spoke with someone on the phone who told me 3-5 business days and that I would hear something no later than XX/XX/year>. I never heard anything so today XX/XX/year> I contacted customer service via the chat help in the app and the first person told me literally nothing and then ended the chat, the second person told me they couldnt help me and the XXXX day timeline that has already come and gone. Theyre holding my money hostage for a reason I do not know because they will not tell me and they are offering XXXX options for resolution. As far as I can tell theyre just trying to steal the funds in my account. Also the only feature allowed to me via Venmo service currently is they for some reason will let me continue to receive money even though they wont let me access it which seems incredibly suspicious to me. 

I can forward any chat transcripts they sent to me via email. I dont see anyway to export them as documents to attach and send

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC.
State: CA

Complaint narrative:
They contact from text. I told them that I do not want to receive text messages from them, but they informed thats its not up to me and they have a legal right to do so whether I like it or not. 

I informed them that this debt has been paid I emailed proof to them like they asked but keep make threats for lien against my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

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 Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

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 2024-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning persistent inaccuracies and procedural deficiencies in the handling of my credit report by multiple reporting agencies. Upon reviewing my credit report in XX/XX/year>, I identified several discrepancies that misrepresent my financial behavior and creditworthiness. 

Identified Accounts with Discrepancies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite notifying the concerned agencies and requesting a thorough reinvestigation, the responses I received assert that all information is complete and accurate. This conclusion is demonstrably false and contradicts the evidence I have attached with this letter. 

Legal Grounds for the Complaint : 1. Fair Credit Reporting Act ( FCRA ) Requirements : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681e ( b ) ).

2. Duty of Furnishers of Information : Under 15 USC 1681s-2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

3. Obligations Upon Dispute : As per 15 USC 1681i, if a disputed item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected by the consumer reporting agency, which then must notify the furnisher of the change.

Issues Encountered : 1. Inadequate Investigation : The agencies have failed to perform a proper reinvestigation as mandated by 15 USC 1681i. The evidence I submitted, which highlights discrepancies, was overlooked or ignored.

2. Lack of Communication : Contrary to 15 USC 1681i ( 7 ), I was not provided a detailed description of the reinvestigation process within the stipulated 15-day period following my request.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are addressed by having the disputed accounts deleted from my credit report, in accordance with 15 USC 1681i. This action is justified given the failure of the credit reporting agencies to adhere to the statutory requirements regarding the accuracy and verification of reported information. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I previously submitted several disputes with XXXX regarding a business credit being reported on my personal credit profile. After investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for these credit card accounts. I believe it is essential for me to receive this documentation, as it is my right to verify the legitimacy of these accounts. 

Without this proof of authorization, I insist that these accounts be promptly removed from my personal credit report. However, XXXX consistently refuses to remove them and provide me with documentation from the creditor. I did not apply for these credit cards, nor did I benefit from them. I did not authorize anyone at the business to apply for a credit card in my name, nor did I sign any credit card agreement. I no longer work for the company and am asking that the creditor provide proof that authorization was given by me to open these accounts in question. They are violating my rights. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) - Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: KY

Complaint narrative:
The debt that the agency is showing is due to a billing error from the original company. Despite showing proof of payments and where the billing error occurred the agency is continuing to attempt to collect the debt. After documentation was sent via US mail the collection agency continued to attempt the incorrect collection. When chatting with an online representative of the agency they were unable to pull up the records I had previously provided. Documentation was provided again through uploading through the chat feature. The agent then instructed they would only be able to research through email and provided an email address. When sending the email to the provided address it was returned because the email was blocked by the receiver. A transcript of the conversation with the agent was also requested and then never sent. Capio Partners has shown a pattern of deliberate bad faith tactics to avoid acknowledgement that the debt is incorrect and that the account should be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-03 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 don't recall having a contractual relationship with this XXXX XXXX , XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-06-03 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 don't recall having a contractual relationship with this XXXX XXXX , XXXX.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, my credit card was charged a {$650.00} annual fee, but my credit limit is {$1000.00}. I requested the credit card company to adjust the annual fee amount to {$250.00}, but they refused, citing the card 's terms. Their actions violate 1026.52 ( a ) ( 1 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: FL

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.

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 explanation
Consumer complaint received 2024-06-03 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:
My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. In addition to disputing these inaccurate items, I also requested an update and correction of incorrect personal information listed on my credit report. Despite my efforts, I have not received any response from Equifax regarding the investigation results. This lack of response has caused significant inconvenience and has prevented me from resolving the inaccuracies on my credit report in a timely manner. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item of information in their credit bureau file, the bureau is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 

It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receiving my dispute. This lack of action is a clear breach of their obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I was a member of Navy Federal credit union XXXX years ago- I was a XXXX XXXX XXXX XXXX who held an account with my then XXXX spouse. My spouse drained all of my accounts and took out cash advances on my NFCU credit cards after I kicked him out for having XXXX XXXX XXXX XXXX XXXXe while I was working. I was living in XXXX XXXX at the time, and he left the country after draining all of my accounts down to nothing, also leaving me with an XXXX. It took me a few years to get back on my feet but I did eventually, and retired from my XXXX service in XXXX now permanently XXXX as well. I have tried contacting NFCU to regain membership and pay any debts owed, yet they refuse to assist me in anyway, saying my debts were charged off and therefore I can never again be a member of NFCU-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation