vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello : VENMO has confiscated more than {$11000.00} of our duly earned legal fees money even though the client XXXX XXXX and his XXXX XXXX XXXXXXXX XXXX signed a retainer agreement contract, duly paid legal fees over time, and currently owe a legal fee balance of more than {$4000.00} as per the attached. 

Please see the attached ( 1 ) signed retainer agreement contract authorizing payment, ( 2 ) detailed billing invoice and account stated, as well as ( 3 ) a legal memorandum of law outlining what we did for this individual and his family members who kept paying his legal fee payments and bills. 

He currently owes us more than {$4000.00} in outstanding legal fees. 

Thanks, Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please see attached letter which has all the details of this conflict. Truist has credited me with the smallest amount of the three disputed charges. 

I dont what else to do with them sort of Magistrates Court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: 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 non-monetary relief
Consumer complaint received 2023-10-31 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I've asked the FSA to reflect the correct amount owed on my consolidated student loans. Their site currently reflects a doubling of the amount owed because even thought I consolidated my loans, FSA nor my current servicer Mohela refuse to do anything about it. Mohela reflects the correct amount and was told by the FSA that they are the ones that are to tell the FSA the amount due. I'm getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
The company aidvantage keeps sending me emails saying my payment was reversed and Ive tried to to pay twice now and both times got rejected. They say my bank account isnt correct but I checked with the bank and everything was fine on there/my end. Aidvantage is saying that I have delinquent payments now that arent my fault and their wait times for a phone call or or an email horrible. Two hour wait times are ridiculous for a student loan company as I do not have the time to waste 2 hours to not even speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I pulled my credit report and noticed several inquiries that I did not authorize. On my Equifax report I see 2 inquiries from XXXX XXXX and 1 from XXXX XXXX  on On XXXX. On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On this date XX/XX/2023 I got gas at XXXX in XXXX az XXXX in gas XXXX water They charged me XXXX for gas XXXX water They fixed it the next day. 
So XX/XX/2023 they sent collection I owe XXXX XXXX XXXX They over charged me Now there screwin me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TN

Complaint narrative:
Dear CFPB, I am writing to make a complaint about several TransUnion violations. 

According to : 15 USC 6801 states ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

All that is listed below is in violation of the above code : 1 ) XXXX account is in violation because it was originally opened in 2003. This account was charged off and taken to court. It has surpassed the 7 year limitation of reporting. 

According to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

2 ) There is a name ( XXXX  ) associated with my credit profile that I have NEVER USED. There are discrepancies between my credit profile & my credit report. Please see attached docs. 

3 ) There is a discrepancy with XXXX  loan account for {$12000.00}. It is reporting open on my profile but not my report. Please see attached. 

4 ) I am requesting that ALL inquires be removed immediately. Most of those compaines I do not recongize and I suspect idenity theft and fraud. 

5 ) I am also requesting that the below accounts be removed : XXXXXXXX XXXX XXXXXXXX ALL 4 of the DPT EDXXXX accounts The items on my credit report is causing me significant harm. It is making it difficult for me to obtain a loan and is preventing me from purchasing my first home at a lower interest rate. I am also concerned that this is damaging my reputation. 

I am reserving my rights to privacy and I have never gave written consent for my info to report to Transunion ( FCRA 15 USC 1691 Section 604 ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Because of this, ALL of these items are in violation of 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of... 

I am requesting that the CFPB investigate this matter and help me get these items removed from TransUnion immediately. I have attached supporting documentation. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from 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 non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I am writing to file a formal complaint against World Acceptance Corporation, located at XXXX XXXX XXXX, XXXX, SC XXXX, for their failure to properly investigate a direct dispute I submitted regarding my credit report, as required by 1022.43 of the regulations set forth by the CFPB. 

Account Information : Account Number : XXXX ( I do not have access to the non-redacted account number ) Last four digits of Social Security Number : XXXX Nature of the Complaint : I submitted a direct dispute to World Acceptance Corporation on XX/XX/2023 and XX/XX/2023 to request Validation of the alleged debt and to correct specific inaccuracies on my credit report. Despite providing all the necessary information and documentation as outlined in 1022.43 ( d ), my dispute was deemed " frivolous or irrelevant '' without adequate justification. 

Supporting Documentation : I have attached copies of the following documents to substantiate my complaint : 1. ) The original dispute letter sent to World Acceptance Corporation 2. ) Their response letter deeming my dispute as " frivolous or irrelevant '' I would like the CFPB to investigate this matter and take appropriate action against World Acceptance Corporation for their failure to comply with the regulations. I also request that I be informed of the actions taken in response to this complaint. 

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: OH

Complaint narrative:
this information is not mines. what is this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX  XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
My XXXX XXXX XXXX father was the victim of fraud in Cashapp and transferred {$7300.00} to scammers in the month of XXXX 2023. I contacted customer support. The representative who identified herself as XXXX refused to even file an internal complaint for escalation or terminate the account of the thief that stole the money. The company clearly has no protections to prevent senior financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
On XX/XX/2023 I applied for the loan for {$1800.00}. XX/XX/2023 I started to repay the loan {$280.00} every 2 weeks. The last payment was XX/XX/2023 for XXXX. I have paid a total of {$1400.00} will about 20 payments left at {$280.00}. for a total of {$7400.00} for the life of this loan. If you cant make the schedule payments they will double your payment and continue to add interest charges to the loan and constantly send your delinquent emails and send your account to collections. This company is hard to work with. You cant afford to miss a payment because the interest will still accumulate more. I just research and there fee is more than Louisiana would allow on loans this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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