vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Tried to use the American Express Serve debit card by loading funds into the checking account on XX/XX/year>. Unfortunately, the account was prevented from being used by the register at a Family Dollar Store by American Express National Bank. It was later learned that American Express had blocked the card from being used but no information had been sent or received as to why. When a call was placed to American Express National Bank on XX/XX/year>, the statement from the representative was that the there was " an account limitation '' and that the account was " permanently locked. '' This was the only information given and was repeatedly told to write a letter to request the reason for the account being locked. At no point was information given on how to access the {$2000.00} already in the checking account. A letter was written and sent to American Express. In the meantime, there is no way to access the funds in the account to pay bills and there is a monthly fee being charged on XX/XX/year>, due to having a balance ( when the account has a {$0.00} balance, there is no monthly fee charged -- this is done most every month in order to save {$8.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-17 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: WA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against PayPal and Venmo ( a subsidiary of PayPal ) regarding the unjust and unexplained closure of both of my accounts. After multiple attempts to resolve the issue with their customer service, I have been left with no clear explanation for these actions and am now deeply concerned that I may be a victim of racial profiling due to my Iranian-American background. 

On XX/XX/year>, I received an email from PayPal asking for verification of my account details, including my ID, address, and a business license ( even though my account is personal ). I complied with their request immediately. My only recent transactions were small : sending {$300.00} to my brother-in-law to cover purchases made while I visited him in XXXX, and a few online payments for services under {$50.00}. 

XXXX days later, without any notice or explanation, my PayPal account was permanently closed, and my funds, including cryptocurrency, were put on hold for XXXX months. When I called PayPal, they informed me that there was nothing I could do. Consequently, I filed complaints with the Better Business Bureau ( BBB ), the XXXX XXXX Washington Department XXXX XXXX XXXX, the Attorney General of Washington, the Attorney General of California, and the Consumer Financial Protection Bureau ( CFPB ). 

PayPal eventually responded to these complaints, claiming I had violated their User Agreement by engaging in high-risk activity. However, they have not provided any specific details or evidence to support this claim. In my 10 years of using PayPal, I have never had a complaint, dispute, or any instance of fraudulent or unauthorized payment activity. My record is entirely clean, making their vague response all the more frustrating. 

To make matters worse, on XX/XX/year>, Venmo requested similar verification information for my account, which had been inactive since XX/XX/year>. However, immediately after requesting this information, Venmo closed my account without giving me a chance to provide the required documents. 

I have repeatedly asked for clarification from both PayPal and Venmo but have received no meaningful response. Given the lack of transparency, and the fact that I have not violated any policies or engaged in any risky transactions, I am forced to conclude that my accounts may have been flagged due to racial profiling.

I urge your organization to investigate this matter further and hold PayPal and Venmo accountable for their unjust actions. All I am asking for is a clear and reasonable explanation for the closure of my accounts. If I have violated any policies, I welcome specific details so I can address the issue. However, if racial profiling is at play, this must be addressed immediately. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.

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 2024-09-18 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 recently sent a request for a procedural investigation and Experian has failed to comply with the request that was made. I still have inaccurate information on my credit report and the information is incomplete. I am requesting that the CFPB take a further investigation into this matter. The regulation clearly states, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. This is not the case with Experian there has not been any reasonable procedures conducted in investing this matter and I would like to have this account deleted from my credit report effective immediately. I have attached all evidence that prove my concerns. PLEASE SEE ALL ATTACHED DOCUMENTS.

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 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reached out to square to have my XXXX corrected. I need my XXXX number changed from my social security number. We went back and forth and i have a total of XXXX messages. I sent everything they asked for which were bank statements to prove the XXXX and their last message was on XX/XX/XXXX. I have sent emails since then and Im being ignored. They refuse to correct my 1099 and its preventing me from filing my taxes! My accountant says we have till XX/XX/XXXX to have this corrected. Ive tried reaching out and they dont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This creditor has not updated my credit report the way it's suppose to be, I informed them back in XX/XX/year> that they were reporting my account wrong. They have multiple charge offs till this day of XXXX. I informed them charge offs are a one time thing not multiple and they are still reporting it MONTHLY.

I am writing to dispute information on my credit report and to address a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e. I have identified an issue with the reporting of multiple charge-offs for the same account, which I believe may be misleading or inaccurate. 

Creditor Name : USAA SAVINGS BANK Account Number : XXXX Nature of Dispute : Multiple charge-off entries My credit report shows multiple charge-off entries for the same account. Account Number XXXX is listed as charged-off by Creditor USAA SAVINGS BANK on [ XXXX XXXX XXXX ] and then again by USAA SAVINGS BANK [ XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ]. ]. This appears to be misleading as it falsely represents the account status and may unfairly impact my credit score. 


I request a removal of the multiple charge-offs reporting and the removal of account as to you have violated my rights multiple times! It is not only inaccurate but also a potential violation of the FDCPA. 

I understand that under the FCRA and FDCPA, you are required to conduct a thorough investigation and resolve disputes within 30 days. I would appreciate written confirmation of the resolution once this matter has been addressed. 

Below I will attatch the information and proof you are currently and always have reported this account inaccurate! 

Thank you for your prompt attention to this issue. 

I do give consent for this investigation to be completed!

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-09-17 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: MD

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH escrow analysis is twice the amount of of taxes due for XX/XX/2024. PHH is not correcting the analysis. PHH has been sent a Notice of error to correct and has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MOHELA
State: NJ

Complaint narrative:
MOHELA transferred all loans to a new platform recently and lost everyones history of payments. In the payment history tab, all payments before the transfer are missing. People have reached out to MOHELA about this and they keep saying they will post them after the transition but the timeline they gave was XX/XX/year> and it is now XXXX. I was enrolled in the auto payment plan on the previous portal and was assured it would carry over. When it didnt, I re-enrolled and got email confirmation that it was received. Two months later, I get an email that I am late on payments and my interest has now collected more money because they didnt use my auto-payment. Calling them takes hours to get a representative. Just a total mess of a loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
Of the XXXX of my direct deposit that I was supposed to receive on XXXX I received only XXXX. When I contacted the company they had informed that my account was closed without my authorization and that because it was closed, I wouldn't be receiving my last two paychecks from my employer XXXX XXXX, as of today XXXX. Also, within the month I have been working with the employer I have not once received a paystub. I was also informed by XXXX XXXX yesterday XXXX  that they had no clue where my direct deposit was and that once I figured out where it was to contact them. So, I would like to know where the rest of my XXXX paycheck is and whether or not I will be receiving my next paycheck on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. Improper Repossession : XXXX failed to follow the legal requirements for repossession. I did not receive proper notice of my right to cure the default before the vehicle was repossessed. Additionally, after repossession, I did not receive notification regarding the sale of the vehicle, including any opportunity for me to redeem the vehicle or reclaim it, as required by law. There is also no evidence that the sale was conducted in a commercially reasonable manner. 
2. Inaccurate Credit Reporting : XXXX has continued to inaccurately report the repossession on my credit report. This is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be reported with maximum accuracy. The details regarding the repossession and any balances are incorrect, and I believe XXXX is reporting these without proper verification.

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 2024-09-17 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: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX did a hard inquiry on my credit without my consent. Can you please remove this off my credit report immediately. Thank you. 
XX/XX/year> Application ID : XXXX Creditor : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation