vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I received a vague call from venmo, on the XXXX  of XXXX saying that the transactions, totaling XXXX that I had just made did not go through, and that I needed to deposit that amount in my venmo acct. I could not figure out why it would not have come out of my bank acct and called both recipients to make sure they received the money and both said they did. I called venmo to ask why I needed to deposit money when both had been paid and they told me it was because one of my renters disputed the rent and they were giving it back. This is XXXX, and the payments they were referring to, were made in XXXX. I sent them lease copies and their own payment record from XXXX. Then they changed the story, saying that it was made with a credit card and XXXX XXXX  wanted their money back. I called the bank and they told me it was a credit card company affiliated with their bank, but they had nothing to do with it. Venmo then tried to tell me that the money from said renter had just gone into my acct, which they knew was a fraudulent statement. I sent them copies of their own records and spoke with a supervisor in their customer service who told me she could not believe what was going on with my acct. They have told me so many different stories, and know that someone screwed up and took the money from my acct. Now, they are saying that it was not them but the credit card company that she paid with. I did not give her a credit card, nor did I give her a credit limit, and was not even aware that she was paying with a card. The law also says that you can not go after a vendor to get money back from a credit card purchase. As I stated before, I certainly did not give her a limit on a credit card. I am assuming that someone at venmo has a buddy at the credit card company. There is no other explanation as to how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: MI

Complaint narrative:
I took out a {$2200.00} loan in early XX/XX/XXXX. On XX/XX/XXXX the loan amount was deposited in my bank account. On XX/XX/XXXX an automatic payment of {$390.00} was withdrawn from my account. {$110.00} was applied to the principal and {$270.00} was applied to finance charge. My loan balance was {$2100.00}. 

On XX/XX/XXXX, an automatic payment was withdrawn from my account for {$390.00}. ONLY {$1.00} was applied to the principle. {$390.00} was finance charge. My loan balance became {$2100.00}. 

On XX/XX/XXXX, an automatic payment of {$390.00} was withdrawn from my bank account. ONLY {$14.00} was applied to the principle. {$370.00} was finance charge. My loan balance became {$2100.00}. 

In 3 months, I have paid {$1100.00} in total payments towards the loan. Out of that amount, ONLY {$120.00} has been applied to the principle of the loan and {$1000.00} has gone to finance charge. 

After making {$1100.00} worth of payments in 3 months, the balance left on the loan has ONLY DECREASED BY {$100.00}. 

THIS IS A PREDATORY LOAN!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
i had a collection show up on my credit report from Credence Resource Management... i had no idea what it is but i called them XX/XX/year> to resolve this as i am in the process of house hunting and this affects my credit... .rather than working with me and taking my payment they refuse to take payment and try to sell me credit repair ... .what type of conflict of interest do these people have going on... it is unethical and i am sure that it is also illegal since credit repair is illegal in the state of georgia and thats where they are based ... ..i do not want their credit repair..i just wanted to take care of this collection that i have know idea what its for ... ..this company should be shut down, ... .i have the call recording and have attached them., .honestly i could have gone straight to a consumer attorney with that phone recording and sued the heck out of them in court ... im giving them this chance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
My cash app account was closed out of the blue. They have allowed me to be scammed and never did anything about it but yet they closed my account due to a violation of their terms which I did not. I got one piece of information when I tried to login that said the closure was due to gambling. I do not nor have I ever gambled. I pay for things from my games through XXXX and XXXX as well as purchase things from XXXX. I also have dabbled in bitcoin & stocks but I HAVE NEVER USED THIS CARD FOR ANY SORT OF GAMBLING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
On or around XXXX XXXX, a fitness company called " XXXX XXXX " located in California started charging the credit card issued to me by TRUIST Bank. The charges of {$3.00} each started on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Upon contacting Truist Bank, the Customer representatives that I did talk to were all telling me that these fraudulent charges were going to be investigated within 60 to 90days. 
However, at certain times, my card was given credits for some of these charges except for the following dates : XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00}. All of these outstanding charges totaled {$27.00}. 
When this situation was noticed on my bank statements, I contacted the bank and was told that it was going to take between 60 to 90 days for the investigation to be concluded. 
On XX/XX/XXXX, despite disputing these charges, Truist Bank went ahead to initiate late charges on the disputed amount, and I reached out to the bank again but was informed that this issue will be resolved as soon as the investigation is concluded. 
Upon realizing that the bank was tilting towards spoiling my good credit I decided to pay off this outstanding {$27.00}, and I was further asked not to bother about the late fees as the bank will take care of it when the investigation is completed, and that never happened until today. 
The bank started charging late fees on a non-existing balance since XXXX {$27.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} All these late fees charges totaled the reported balance of {$300.00} that was reported against me as being delinquent. I attached a copy of a written document ( letter ) that was never responded to by the bank.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing this complaint due to severe inaccuracies in the reporting of this collection account by National Recovery Agency. Despite my numerous disputes over the past six months, this account continues to be reported with conflicting and erroneous information across credit bureaus. 

Impossible Date of Account Opening : The account shows an impossible future opening date : XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> Inconsistent Status : XXXX and XXXX list the account as Closed. 
XXXX reports the account as Open. 
Balance Inaccuracy : A balance of {$2400.00} is reported despite the status discrepancies. 
Dispute Status Conflicts : XXXX indicates the account has been deleted. 
XXXX continues to report it as negative with a dispute status. 
Lack of Verification : Despite disputing this account multiple times, National Recovery Agency has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely. 

Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. National Recovery Agency 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
On XX/XX/year> I purchased a phone from the XXXX XXXX site using XXXX ( {$870.00} ). Within an hour I found a better deal for a phone on XXXX 's site and purchased that phone too. I tried to immediately cancel the phone from XXXX, but they claimed it had already shipped. I asked for a return label from XXXX but didn't receive XXXX until 4 days later. I returned the phone within XXXX hrs after it arrived. XXXX told me I would get a refund within XXXX after they received the phone back. They took much longer. I got an email from a XXXX rep saying they tried to refund to my bank but it was rejected. I contacted my bank and sent a contact info from my bank to XXXX, who never bothered to contact my bank. Getting frustrated with all this, I opened a dispute with XXXX against XXXX. I also discovered that XXXX double charged me ( {$200.00} ) for my yearly service and tried to get a refund for that from XXXX and then XXXX. XXXX decided against me in the dispute, apparently because I filled something out incorrectly on their site. I went back to my bank who is now trying to get the money pulled from my account there back for me ( {$810.00} ) but XXXX is refusing to refund the {$60.00} dollars pulled from that account. And of course, XXXX has been fighting returning any of my money ( I have a case at the XXXX  against XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
I was supposed to receive a direct deposit in the amount of {$140.00} but never received it. Revolut is saying that it was sent to an account that is now closed due to them switching to another bank. The funds were sent to that account and never rejected so they were never returned. I keep getting the run around from the reps and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card offers {$120.00} credit for XXXX XXXX or XXXX ( trusted traveler ). The terms state " To receive a statement credit up to {$120.00}, you must use your Venture or Venture X card to either complete the Global Entry application and pay the application fee, or complete the XXXX XXXX application and pay the application fee. Credit will appear within XXXX billing cycles, and will apply to whichever program is applied for first. XXXX statement credit per account every XXXX years, and your account must be open and in good standing when the credit is applied. '' XXXX qualifying charge of {$50.00} were made on XXXX XXXX XXXX  and on XXXX XXXX XXXX The XXXX charges totaled {$100.00}. 

A statement credit ( manually applied by an agent, not auto-applied ) of only {$50.00} was given. I was expecting a statement credit of {$100.00}, not {$50.00}. I spoke to a Capital One supervisor and was told that the statement credit is valid for only XXXX transaction up to {$120.00}. Thus, I received credit of {$50.00} for the XX/XX/XXXX charge, and not the second charge. 

However, the terms are silent and do not explicitly state valid for only XXXX transaction. Thus, it's reasonable to assume the benefit can be consumed with multiple transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, this account was not authorized by me and must be removed immediately. 
The fraudulent account is as follows : XXXX - XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/XXXX a XXXX event was attempted to be purchased for {$79.00} but was defective. Product was not playable/visible. 

Attempted XXXX more times to play/watch the XXXX XXXX XXXX XXXX  but kept getting charged {$79.00} after previously paying for item. 

XXXX was charged 3 times total. Neither purchase was working. Reaching out for a charge back on all XXXX charges. XXXX have been refunded but bank and/or XXXX is XXXX XXXX. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
Negative Accounts were fraudulently added on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted the documents that are attached and the credit bureaus said they verfiied it but only the courts do not verify information with credit bureaus even the XXXX ones like XXXX XXXX. Experian and XXXX said they verified this information which can not be true because the XXXX XXXX XXXX do not do this.

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 2024-12-11 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXXXX/XX/year> Balance : {$25000.00} FRAUDULENT NOT MINE

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