vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
On XXXX XXXX I got a new phone, when I tried to log in on Venmo from that phone, it gave me a login error that I assumed was a security measure from being logged in on multiple devices. I contacted support on Friday, XX/XX/XXXX asking for help to get my account logged in, and I heard back on XXXX XXXX XXXX  : While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I reached out for further clarification on how to get the {$200.00} dollars in my account out and they responded reiterating the above message, saying they would not explain why my account was being deactivated, that I was to wait 180 days should the funds become available. They added that I had originally been banned in XXXX, an instance I do not remember and clearly it did not stick because I have been using Venmo since then. Finally, at the end of the second email I was told : Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

When I reached out to their live chat on XX/XX/XXXX, they copy and pasted the emails I had received into the chat, and told me once again my only action was to wait 180 days to maybe get my funds. That live agent then disconnected with me suddenly after I asked about the ban in XXXX that didnt stick.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
Had a {$140.00} ( was more ) bal that I finally put on a charge card XXXX at XXXX. Was paying what I could monthly even up to XXXX times in XXXX while trying to figure out what and if I really owed and what amount XXXX XXXX is notorious for overcharging, incorrect charging, slow to catch up insurance and patient payments. They wanted me to sign up for a payment plan and I refused because I was paying monthly and was being cautious about overpaying again. They notified me even though diligently paying, that they were referring me to a collection agency. It became confusing because it still showed my balance on XXXX as I was making payments so I didnt know they still referred to Collections. I did get an email a wk ago with XXXX listed saying I owed {$12000.00}. Since Im on the Dark Web, I thought it was a scam so I blocked and deleted the email. My confusion is why did XXXX refer to Collections when I was paying. Amounts were what I could afford. Sometimes {$20.00} to {$40.00} to $ 100 month. I spoke with XXXX in Billing yesterday and told her it was confusing because the bal was still on XXXX with option to pay and also in Collections. I explained it was conflicting and confusing and I didnt appreciate despite my efforts how it was being handled. I felt it was deceptive, confusing, handled irresponsibly and insensitively despite paying regularly. Then she told me there is a {$400.00} bal between XXXX other visits from this past XXXX, XXXX and XXXX that is still being worked out with my insurance so I have no balance due if any, as yet. XXXX 's billing dept has regularly misbilled me. Billed me at locations I havent been/used. I am constantly having these difficulties because of incompetence on their part. I just want it on record because Im aware Im not the only XXXX. 

I have gone ahead and paid my balance with a credit card so I can pay what Im able at my pace without threat of Collections. XXXX tried to pressure me to use a payment plan with threats of Collections which probably involved interest and since I was already paying, I did not choose their option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Ive received numerous harassing calls from XXXX XXXX XXXX  for my Lowes account that I purchased a {$200.00} microwave on. Paid on my Lowes acct for 6 months then did a debt consolidation and closed my Lowes meanwhile Lowes continued to charge late fees to the sum of {$460.00}. I disputed multiple times on the amount owed with Lowes and XXXX, neither correcting the late fee charges. Ive explained multiple times to contact XXXX XXXX whom my debt consolidation is with. They refuse. Now they have put it on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MS

Complaint narrative:
hello I have reached out the the credit bureaus ( Experian, XXXX, and XXXX ) numerous of times about the fraudulent activity reporting. I have also reached out to the creditor requesting proof of the debt but none has been provided. I have also reported the accounts the the FTC. Could you guys please assist me in this situation? I request that the unrecognized accounts please be removed as soon as possible. Thanks for any assistance that you may provide in this situation.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Recently my reachback interest was waived on XX/XX/XXXX and PayPal/Synchrony sent me a refund check on XX/XX/XXXX. The amount in question is {$1100.00} and the note said it was for Waived Interest Charges. I proceeded to cash the check. 

However, on XX/XX/XXXX they charged that same amount back to me! Why would they refund my interest only to recharge me?!!! This has put me in a bind financially and it is not right!

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 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a purchase on my XXXX XXXX XXXX Comenity Bank card in XXXXXXXX XXXX XXXX. I did not receive a bill or statement, so I sent the company {$50.00} on XX/XX/XXXX through my XXXXXXXX XXXX account. I knew the purchase was around that amount but did not know the exact amount. In XXXX, XXXX called and told me I owed {$45.00}, which I paid then. I got a call today saying that I owed {$160.00}. I checked my credit report and it showed a different amount. I asked for the last XXXX transactions. 
XX/XX/XXXX {$2.00} finance charge XX/XX/XXXX {$37.00} late fee XX/XX/XXXX {$2.00} XX/XX/XXXX {$41.00} late fee XX/XX/XXXX {$2.00} finance charge XX/XX/XXXX {$45.00} payment ( I did not know what I was paying for at this time, but they told me I owed it so I made a payment ) XX/XX/XXXX {$41.00} late fee. 

How am I charged a late fee when I make a payment first of all? So, in total, I have paid {$95.00} for a {$54.00} purchase. I asked to have the late fees waived and they said no. I told them I needed my statement mailed to me, and they would not answer me and that they would mail me a statement. I told the man I did not know my account number, and he would not provide it. They are unwilling to work with me. I told the man to close my account, and he said it was closed, but I would continue to accrue late fees. I sent them {$160.00} through my bank account and I feel like they have stolen this money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Request for Correction on my Credit Report 15 U.S. Code 1681 Request to Removal of Closed Accounts Due to XXXX  XXXX Data Breach To request the correction of inaccurate information on my credit report. I have reviewed my report and found that incorrect names and addresses are listed, which could negatively affect my credit score due to the presence of inaccurate personal information. Under 15 U.S. Code 1681 and the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete.

Additionally, I formally request the removal of any closed or charged off accounts that are not related to me from my credit report. As you are aware, the data breach that occurred in XX/XX/year> exposed during this incident the personal information of 15 millions of individuals, including myself. I believe this exposure may have contributed to fraudulent or inaccurate information being included on my credit report. 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any information affected by the breach be removed from my credit report within 3 to 4 business days after this claim has been received. I kindly ask that you review my credit report and remove any closed accounts or inaccurate information related to the breach that may still appear.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Request for Correction on my Credit Report 15 U.S. Code 1681 Request to Removal of Closed Accounts Due to 2015 XXXX Data Breach To request the correction of inaccurate information on my credit report. I have reviewed my report and found that incorrect names and addresses are listed, which could negatively affect my credit score due to the presence of inaccurate personal information. Under 15 U.S. Code 1681 and the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Additionally, I formally request the removal of any closed or charged off accounts that are not related to me from my credit report. As you are aware, the data breach that occurred in XX/XX/year> exposed during this incident the personal information of XXXX millions of individuals, including myself. I believe this exposure may have contributed to fraudulent or inaccurate information being included on my credit report.

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any information affected by the breach be removed from my credit report within 3 to 4 business days after this claim has been received. I kindly ask that you review my credit report and remove any closed accounts or inaccurate information related to the breach that may still appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I'm a victim of identity theft. I submitted a dispute along with FTC report, National Credit Systems Collections continue to report a fraudulently account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to address a serious matter concerning fraudulent information on my personal credit profile, which demands immediate correction. This request is not made in error but is in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This is 100 % written by me using accessible software and information available to everyone.

The inclusion of fraudulent data on my credit profile violates FCRA 1681e ( b ), which mandates credit bureaus to employ reasonable procedures for accurate reporting. I have not supplied proof under the doctrine estoppel by silence, and I presume that no evidence of the alleged debt exists, as per 18 USC 8.

Your company 's actions also violate my consumer right to privacy ( 15 USC 1681b ( 2 ) ), and you lack permission report anything using my information ( 15 USC 1681 ( 4 ) ) am requesting copies of documents, including a detailed breakdown of Metro 2 requirements, to verify the accuracy of the accounts listed above.

Under FCRA 1681g, I demand disclosure of your compliance with Metro 2 and all relevant documents recorded in your file. I emphasize that responding with claims of account verification is insufficient ; instead, provide copies of documents with my wet signature. The violation of these statutory requirements has severely undermined my creditworthiness, impacting my ability to secure necessary credit. Pursuant to FCRA 1681i, unverifiable and fraudulent accounts must be expunged from my credit report. Failure to adhere to these legal obligations grants me the right under FCRA 1681n and 16810 to seek both actual and punitive damages.

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 2024-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Glory LLC
State: NH

Complaint narrative:
On XX/XX/year>, I called a phone number which I believed to be XXXX XXXX XXXX. I had called this number to settle a collection. A representative from a different agency, which I now understand to be " Credit Glory '' answered the phone and took payment from me which I had believed to be a payment for the account in collections. 

I was misled. 

This payment was NOT going to go to the collections account at XXXX XXXX XXXX as I was led to believe, but was simply a fee to " remove the collection from my credit report ''. This in no way guarantees either the removal of this from my report, nor does it pay off the collection, which was my initial goal. I was misled and swindled into a service that anybody can do themselves by simply disputing things with credit bureaus themselves. 

CRO 's send disputes to the CRA 's as if they are coming from the consumer and not from the CRO as the CRA will flag this dispute and code it as frivolous as it allowed under FCRA. 

I request a refund IN FULL, so that I can contact the actual account holder and pay this collection, without wasting any more time or money on some frivolous and fraudulent " Credit Repair '' service that guarantees nothing, and simply takes your money as a fee to play the lottery with your credit history and hope for the best that something sticks. 

I am still awaiting a phone call back which I am sure I will never receive. They charged me {$790.00} up front for " getting started '' as a fee and then another {$190.00} for the credit repair service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-31 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-31 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 called and mailed in numerous of disputes to credit reporting company. I never received any updates, nor was accounts deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 called and mailed in numerous of disputes to credit reporting company. I never received any updates, nor was accounts deleted from my 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 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello. A few months ago I opened a savings account with Amex. Thought it was good account so I deposited my work check into my account. Not even a week later they close my account and tell me they will not release my money back to me in a check. Which is their legal obligation as a bank. They can not keep funds that dont belong to them. They tell me I need to have the issuer write me a new check but the issuer is unwilling because the check was already cashed and gone through. The money was in my available balance upon closure but is apparently unable to be returned to me. I have tried to work it out with the bank and the issuer and have not had any luck. Its a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
XXXX XXXX  victim working to repair the damage that was done to my mental health, and credit. I would like to remove any and all accounts that do not belong 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