vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MT

Complaint narrative:
I have been on workers comp payments since XXXX XXXX and I have bank account with us bank relia card witch was set up by the state workers comp. My complaint is I am supposed to received two monthly payments on the XXXX of month and on or around the XXXX and it supposed to be loaded on my card by XXXX XXXX XXXX I check my account and the money is never in my account by the time supposed to be I contact my claim specialist at works comp they inform me that the money has been sent to the bank and it show that the bank has received my funds but when I contact the bank they say they don't the funds. My complaint is us bank relia card is hold funds that they are not allowed to hold some time it takes up 3 to 4 hours before they release the funds. Today XX/XX/XXXX my workers comp specialist informed me today has XXXX people contacting her that the funds have been held

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Issues since my loan was sold over 10 years ago. My interest was never corrected when Navient took over my loan. In XXXX, I was some what successful with a minor correction. Though still not right. Since then they have changed my repayment terms twice without consent. I repeated asked for research to have the account reset. Last time was XX/XX/XXXX. Still nothing received. They refused to send me my full promissory note. I have asked 3 times. XX/XX/XXXX, only received XXXX pages not full note. I asked in XXXX. Still did not receive. Asked again today, as my loan was just reset again. They are beyond shady and I cant get the information I need. I have not consented to any of these changes. I cant get answers and its beyond odd that they can continuously reset my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
VENMO - very poor security and they do not care. I had a VENMO account under the ID XXXX XXXX XXXX XXXX XXXX ). On XX/XX/2022 I received a text from a friend asking me why I was Sending via VENMO {$1900.00}. I told her I had not, I had not initiated any Venmo payments for many days. I immediately reviewed my VEnmo activity and noted that there were three unauthorized VENMO payments of {$1900.00} each, they were initiated by a a VENMO ID XXXX XXXX XXXX XXXX XXXX XXXX  ( not even close to my VENMO ID ). I immediately called Venmo and after jumping thru numerous hoops was allowed to talk with someone who I told that there were threXXXX unauthorized requests by an ID that was not my VENMO ID. I was told I would hear back from VENMO via email within a week. They obviously do not take security breeches seriously. I immediately called my bank and asked them to block any debits from VENMO, at the time there were no debits noted on my bank account. The next morning there were 3 debit attempts of {$1900.00} to VENMO, these were declined by my bank and I went in the next day and CLOSED my bank account. I again sent email and phone requests that I wanted my VENMO account CLOSED. I was told it could not be closed as it was frozen. I received an email that the account was frozen. I called Venmo again a month later and AGAIN requested that my account be CLOSED. This time I was told I could not close the account because I had an unpaid balance ( which was a result of them allowing an unauthorized ID to access my account and attempt to access my bank account ). On XX/XX/XXXX, VENMO without my authorization allowed a friend to mistakenly pay me {$100.00} via VENMO, this was my first knowledge that my account was NOT FROZEN or CLOSED as I had numerous times requested. Talking with them via phone and email via their website, I again asked that my VENMO account be closed, I was told again that they could not close the account as I had an upaid balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX is XXXX bankruptcies reported on my credit report within XXXX  year span, This information is incorrect. Bankruptcy courts do not report filing with credit agencies And it is impossible for anyone to file XXXX bankruptcies in XXXX  year. I have disputed and they have never verified where they get their information. I have been disputing this since 2018 XXXX removed it but transunion and XXXX has not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
You replied that XXXX XXXX  provided you with the public records. But in fact XXXX XXXX removed XXXX of this year and the courts don't report to any bureaus and pacer gives no social security number? I asked for the investigative report that was not given and I also submitted paperwork from XXXX XXXX  and twice you have mentioned this agency when you have not received any results from 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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX, I was checking my 3 credit reports last week, and I saw an unidentified account called XXXX XXXX XXXX with a past due amount of {$400.00} for 60 days. I didn't know what this was. I put a credit freeze on all 3 credit bureaus, and a fraud alert. Experian is the only credit bureau who still has this account on my credit report. On XX/XX/XXXX, I called Experian, who opened up a dispute and gave me the phone number to XXXX XXXX XXXX. I then called XXXX, and they had me fill out complaint and affidavit. They said it was a loan through XXXX for {$1200.00}. The thief had been making payments on this account, then quit. I sent it back to them. I am upset, because this is NOT me and I want it off of my credit report. I believe the culprit was my ex-wife, who knows my social security number. If need be, I can provide you with a copy of all of my XXXX orders for the last 2 years. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I had to file a series of disputes with Venmo for transfers that were done, taking money out of my Venmo account and transferring them to debit cards that were attached to accounts that were not mine. Venmo ended up, not wanting to deal with handling the dispute so they decided to shut down my Venmo account. I explained to them that they still had to allow me to file my dispute and reimburse me the funds for anything that was deemed to be unauthorized. They are telling me now that I am no longer a Venmo customer. They say I have no right to dispute transactions from my account that was just recently closed a couple of days ago. Apparently Venmo thinks that if an account is closed, fraudulent transactions dont need to be addressed. They just want to wash their hands of it and move on. But unfortunately, like most Americans, I live paycheck to paycheck. I can not just move on from the money that was taken from me. Those transfers should not have been allowed. I would like my disputes treated just the same as if they were a dispute coming from any other customer whose account was still open. That is my right. Not doing so, is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: MN

Complaint narrative:
My XXXX account was compromised on XX/XX/2022 and I attempted to stop an unauthorized login from an unknown device using 2-step verification, but I was bypassed. I immediately logged out all devices and changed all of my passwords associated with the account, but unbeknownst to me my XXXX XXXX account had already been subscribed to an application that is very clearly a scam. I wasn't notified or asked to verify the transaction and only noticed when I checked my account balances online. This was on XX/XX/2022 for the amount of {$58.00}. I froze my cards and reached out to both of my banks immediately, and once the transactions were complete, XXXX XXXX came to the conclusion that the transactions were unauthorized and credited the funds back to my account. They also issued me a new card. Chime on the other hand has told me that they believe the transaction to be valid despite me reporting that I don't recognize the transaction. I have submitted multiple rebuttals with evidence supporting the fact that the transaction is obviously very suspicious and I included screen shots of emails confirming the unauthorized logins, the changing of my passwords, and the company that my cards were charged to that was very clearly a scam. It was listed on an XXXX website for XXXX XXXX as an XXXX XXXX I have tried resolving this with them several times, and am likely going to be discontinuing business with them, but I would very much like to get my money back and am frustrated with how difficult it has become. I even forwarded XXXX XXXXXXXX XXXX decision to Chime to see if that would convince them, but they say that because my physical card was in my possession and because I shop online and my pin was not compromised, that they believe the transaction is valid despite the evidence that says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  known as XXXX XXXXXXXX wasnt opened or authorized by me. Please remove! Report attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts in my report that I don't recognize. I want the information removed and I have already sent out letters for more than 30 days ago. Until now, I did not receive any response and I think the bureau is not taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is claiming that I owe a debt, but I have never had a relationship with NATIONAL CREDIT SYSTEM. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent the first letter on XX/XX/XXXX, and the second letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that NATIONAL CREDIT SYSTEM received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CA

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, 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 2022-11-15 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: CA

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 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 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There are two issues that I am dealing with.

( 1 ) I placed an order for {$68.00} but when it was emailed to me it was charged at {$210.00}. I called to cancel and close my account because I had several other problems with paypal. When I looked at my statement they were requesting a payment for the full amount of {$210.00}. So I reported it to my credit card account holder and started a dispute. I once again requested that paypal cancel my account and I took my banking and other payment accounts off paypal to stop their ability to withdraw money from my accounts. They emailed me saying that they would refund my money and cancel my order. 

Purchase ID : XXXX Order date : XX/XX/XXXX XXXXXXXX XXXX Cancellation Date : XXXX XXXX They are still asking for the funds ( 2 ) The other issue is that I received an email telling me that they had approved a payment for {$1000.00} for a Bit Coin purchase ( XXXX ) dated XX/XX/XXXX. I called to tell them that my account was closed and I had not placed this order. So I decided to contact you. The address on the order s not mine and this is very unusually. 

Since this has become an on going problem I need your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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: CA

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, 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