vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have two accounts through Venmo which are utilized for sending and receiving money. One is my personal account, and one is a business account. My business account has over {$1400.00} in it. On XX/XX/24 Venmo froze both of my accounts for no reason. All I was told was to reply to an email I received that advised me I needed to attach a copy of my drivers license. I completed that the same day. I chatted online with a representative, as well as speaking to their support team over the phone. I was never given a single reason my funds have been frozen. I was told the only thing to do is to wait to receive an email from an Account Specialist. I was told account specialists are the only team that can help, and there is no other option to be in contact with them other than to simply wait for them to contact me via email in 10-15 business days. I was told by their support team that my case would be escalated and that it would not be 10-15 days. I have heard nothing, and attempted to reach out again this morning. I still can not access my funds, and have been given no reason, nor been able to speak to anyone that can help. These funds are for a childrens non profit, and this is completely unacceptable and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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:
On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing the validity of XXXX XXXX collecting on an alleged debt of {$1100.00}. I requested for an investigation and documentation detailing alleged debt and written communication from XXXX XXXX. On XX/XX/XXXX I received an email from Equifax that the Portfolio Recovery A was updated as a new open account established on XX/XX/XXXX with 120 days late payment with no documentation to support claim. The erroneous information has impacted my score negatively. I have tried several time with Equifax to correct this erroneous report and have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

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 2024-02-19 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: GA

Complaint narrative:
CHARGE OFF ARE CONSIDERED TO BE EARNED INCOME. I REQUEST A 1099C AND THEY DID NOT SENT ME A 1099C. INCOME IS FORBIDEN TO BE ON A CREDIT REPORT ACCORDING TO CONGRESS :15USC16812AI NO TRANS ACTION OR EXPERENCES ARE ALOWED TO BE ON A 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 2024-02-19 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: CA

Complaint narrative:
To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!

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 2024-02-19 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
While with my ex-wife, I co-signed three student loans ( Navient is the provider ) to allow her to finish her education. We have been divorced now since XXXX, and during the divorce proceedings it was made clear and approved by the judge that my ex-wife would be solely responsible for any loans that I was co-signer on. Recently, in XXXX of XXXX, she unknowingly fell behind 60-days with her payments, and because of my continued association with those accounts, my credit has plummeted in response. I submitted a dispute request with XXXX on XX/XX/XXXX and asked them to remove the account and/or the negative information. I provided a justification and the document from our divorce proceedings, and they declined to do anything regarding the situation ( simply came back in less than a week 's time with nothing but a verification that it is my account ). I submitted a similar dispute to XXXX about five years ago, regarding these same accounts, and they cooperated by removing those accounts from my report. My credit scores are wildly different because of these accounts, and it has caused my XXXX score to plummet XXXX pts since this issue. I have a similar dispute currently filed with XXXX as well, for the same accounts and reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBERS XXXXXXXX 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 602A STATE I HAVE THE RIGHTS TO PRIVATY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATE 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, the natural person and consumer, did not receive any information regarding this false debt placed on my consumer report by Portfolio Recovery Associates LLC, neither did I receive the information required per 15 U.S. Code 1692g ( a ). According to 15 U.S. Code 1692c ( c ) I refuse to pay the false debt.

Portfolio Recovery Associates LLC has failed to provide adequate verification of the debt. Portfolio Recovery Associates LLC has failed to provide : ( i ) Proof of the existence of the alleged debt and outstanding balance ; ( ii ) proof of a contract verifying Portfolio Recovery Associates LLC can legally collect ; and ( iii ) proof that Portfolio Recovery Associates is the current holder of the instrument which created the debt. 
Portfolio Recovery Associates LLC is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXXXXXX XXXX. yet Portfolio Recovery Associates LLC is the company listed on my consumer credit report. Portfolio Recovery Associates LLC claims to have purchased the alleged debt/transferred the debt from another company, XXXX XXXX XXXX Aside from the unsubstantiated verification of the alleged debt, this is a violation of law. 
Portfolio Recovery Associates LLC violated 15 U.S. Code 1692b ( 2 ) due to the company contacting a third party, XXXX XXXX, to communicate with XXXX XXXX, the natural person or consumer. A fictitious entity is unable to speak with a natural person directly without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DEAR SIR / MADAME TRANSUNION  REFUSED TO UNFREEZE AND UNBLOCK MY ACCOUNT.. NO ACCESS..
              I HAD FREEZE MY ACCOUNT DUE OVERWHELMING
UNKNOWN CREDIT CHECKS ON MY ACCOUNT WITHOUT MY KNOWLEDGE..
BY OTHER COMPANY...
SOO
I REACH OUT TO TRANSUNON TO UNFREEZE MY ACCOUNT FOR PERSONAL REASON/ FAMILY EMERGENCY.
BUT THEY DENIES ME.. THEY BLOCK MY ONLINE ACCESS AND PHONE ACCESS TO UNBLOCK / UNFREEZE MY ACCOUNT. ASAP.
THEY TIES ME UP FOR HOURS OVER THE PHONE.. DEGRADING ME.
CAUSING ME HARDSHIP AND STRESS.
THIS CAUSING PAIN AND HARDSHIP.. 
LONG HOURS ON THE PHONE GOING AROUNG IN CIRCLE .. GET NO WAY..
THEY HAND UPON ME AND KEEP TRANSFERRING TO COLLEAGUES.OVER AND OVER. .. I AM VERY SICK FROM THE EXPERINCES. MY 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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
IMPORTANT : The Comptroller of the Currency Case # XXXX. 

My checking account ending in XXXX was robbed for most of over {$300000.00} of deposits since XX/XX/XXXX. I reported this to the XXXX, XXXX XXXX XXXX GA, and The Comptroller of the Currency. USAA announced a " data breach '' about XXXX  months ago. I am living in a type of financial poverty in XXXX, GA with my XXXX XXXX  one has severe XXXX XXXX There is no way that I spent, for example {$52000.00} in XXXX of XXXX with XXXX debits/withdrawals with nothing to show for eat other than a long grocery list, rent, and gas. My rent is only {$650.00} a month and my used car is paid off. Now {$52000.00} grand larcened could have been applied to the garnishment. I am certain that they are doing something fishy. For example, USAA office in XXXX XXXX, TX, XXXX, Washington and California and my XXXX account login recorded logins from those locations. Please help me out. 

Hi, I spoke to a USAA bank representative named XXXX because the checking account ending in XXXX was in " credit only '' status because of a garnishment from XXXX XXXX in XXXX account number XXXX ; XXXX. The credit only means that money can't be withdrawn or utilized. On XX/XX/XXXX they transferred a total of {$500.00} into savings account XXXX and checking account XXXX. The USAA representative in his own words said that checking account XXXX is not under garnishment and would remain in use. I spoke to them last XXXX  on XX/XX/XXXX about a few checks that hadn't cleared from XXXX. They said that they would clear on Saturday XX/XX/XXXX. They did clear but then the XXXX account was blocked as well. I spoke to XXXX USAA representatives today, one named XXXX, who said that she would not release the XXXX which is now also under garnishment but doesnt not have a {$0.00} balance like the other XXXX accounts that have holds as well. I spoke to the XXXX XXXX and they said that USAA has a few weeks to reply. There is not even {$1000.00} in all accounts combined. My business associate XXXX  already established a new deposit account with XXXX XXXX  which as far as I know is not under garnishment. I feel that the USAA bank is not fair and affecting adversely other members of my family. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that consumer portfolio services did not furnish the credit bureaus with the required disclosure, within the period required by law. Consumer portfolio services are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your 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 non-monetary relief
Consumer complaint received 2024-02-19 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: Associated Credit Services, Inc.
State: TX

Complaint narrative:
PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Demand Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Mercedes-Benz Financial Services RE : Demand for Resolution of Unauthorized Securities Trading, Denied Credit, and Unfulfilled Purchase Dear Mercedes-Benz Financial Services , This letter serves as a formal demand for immediate resolution of several concerning issues related to my account and recent experiences with your company.

Unauthorized Securities Trading : I am writing to express my grave concern regarding the possibility of your company trading securities on my behalf without my knowledge or consent. As
a longtime customer with multiple financial agreements through Mercedes-Benz Financial , I have never received any form of compensation for such activities, which I believe is legally required. 
Denied Credit and Unfulfilled Purchase : Furthermore, I am deeply disappointed by the recent denial of credit for a vehicle purchase. Despite being a loyal customer for years, I was denied the opportunity to acquire a car, specifically a XXXX XXXX XXXX which I have expressed significant interest in. This denial, coupled with the alleged statement from a sales representative claiming Mercedes " never wants to do business with me again, '' is not only unprofessional but also raises questions about potential discriminatory practices.

Demand for Immediate Action : I demand immediate action to address these issues : * Full disclosure and compensation for any unauthorized securities trading conducted on my behalf. 
* A thorough investigation into the reason for the credit denial and a reevaluation of my application for the XXXX XXXX XXXX 
* Delivery of the XXXX XXXX XXXX assuming the credit reevaluation is successful. 
* Return of any down payments made for previous denied purchases. 
Threatened Legal Action : Due to the severity of these concerns, I am prepared to rescind all signatures on any financial agreements with Mercedes-Benz Financial and pursue legal action in federal court if these issues are not resolved to my satisfaction within a reasonable timeframe.

I expect a prompt and comprehensive response outlining a clear plan to address my demands. I am available to discuss this matter further at your earliest convenience. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report. 
Please see attached ; Being reported by XXXX, XXXX, EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report.

Please see attached ; Being reported by XXXX, Experian, 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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I used Remitly to send {$1500.00} USD to my XXXX  in XXXX. On XX/XX/2024 the company confirmed that the transaction was complete. However, the funds were not deposited to my sister 's account. 
From XX/XX/2024 to XX/XX/2024, I have contacting Remitly for more than XXXX times to ask about the issue. 
Every time, I have to talk to a different person, they will ask the same questions and tell me to wait 24-48 hours, and they will call me back but they never did. I asked to talk to the XXXX they said they don't have XXXX?! 
Strangely, I requested them have a written email about their promise to solve the issue but agent refuse to do so!? 
In light of these egregious shortcomings, I can not in good conscience recommend Remitly to anyone in need of reliable and trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Ive had this issue resolved here almost a year ago. Jefferson capital had placed this sprint account collection on my credit report and had to remove it after not validating it as mine. They have now put it back on. This is the third time they have done so with the same account.

Company response to consumer: Closed with explanation