vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I would like for CREDENCE RM to show proof of verification that I owe them {$900.00} with XXXX XXXX  CREDENCE RM is currently report inaccurate information on both XXXX XX/XX/XXXX XXXX XX/XX/XXXX about last date active on the account mentioned above. I would for XXXX XXXX XXXX to show proof regarding Account XXXX As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Good Morning ; I am a normal good-hearted tax paying citizen of the United States XXXX 

I am writing to inquire as to the reasoning that Venmo would have a money transmitter 's license if they fail to transmit money when needed. 


They have committed a most Grievous offense against me with no explanation offered whatsoever. I am stranded at a gas pump on state line late on Sunday evening without a XXXX to my name. 


I contracted XXXX  this last week and it cost me much more than I had readily available to make this trip. I borrowed money from a friend who sent it to me via Venmo and it has been locked in my account with no means to withdraw it. 


It would not withdraw directly to my linked XXXX XXXX XXXX Account, and when I try to link my debit card associated to the same account, an error appears claiming the ZIPcode, which I have had for well over a year with this very same bank account, is not valid. 


Upon attempting to send the money back to my friend, my account was locked. 


The support hotline was of zero help whatsoever and informed me that it could take up to 3 weeks to be resolved due to the high volume of cases they are handling. 


In what quasi-functioning universe is this even acceptable? 


We are talking about US DOLLARS held hostage by gross negligence. My safety is at risk. I am literally stranded. 


Being a money transmitter and accepting fees for transmitting money would insinuate the service Works without fail? That XXXX support should be accessible for ANY issue that may arise? 


I urge that this case is investigated immediately, as I am assuredly one of the few having this issue with the wit to know whom to ask and whom to report to. 


Feel free to contact me by thus email with further questions. 


My support ticket # is : XXXX Under no circumstance whatsoever should a user 's funds be locked without a given reason. This organization offers an account and routing number, a card and banking services. 


I want answers and I am scared. 


Please help. 

Attached screenshot shows I violated terms of service and doesn't explain how. By attempting to send the {$300.00} I could not withdraw BACK to the dear friend who sent it to me???? 

This is the WHOLE truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: NJ

Complaint narrative:
I looked at my consumer report from Equifax on XX/XX/2022. I noticed that Equifax has no regard for the FCRA and has without my written instructions or permission reported private transactions I had with other corporations that Congress stated shall NOT be displayed. My right to privacy has been violated. Also, Equifax has furnished a deceptive form ( Consumer Report ) and misrepresentation of what a consumer report is for financial gain. Congress states A consumer report does NOT include a report containing information on a transaction or any experiences between me ( consumer ) and the company making the report to you, collects of charge off. Equifax, furnished everything on my report a the law say you cant. They have gone beyond its corporate powers of what the FCRA allows. ( Ultra Vires Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/XXXX XXXX XXXX refunded me to my chime account. 
XX/XX/XXXX Chime Received the refund XX/XX/XXXX Called chime to figure out how long it would take them to refund my account. Was told 5 business days. 
XX/XX/XXXX Called chime again and was given a support ticket and was told someone would call me within 2 hours. 7 hours later and several managers/supervisors, I noticed a change on my account statement. It says on the 19th, I overdrafted {$85.00}. I informed them that it was impossible because I can only overdraft {$55.00}. They changed the balance on the report to keep my refund. 
XX/XX/XXXX Another support ticket was created, still NO response about it. 
XX/XX/XXXX On the phone again trying to figure it out, cant get a single person willing to help me, Chime stole my money and altered my statement. They refuse to acknowledge their mistakes. I still dont have my refund. Cant get anyone in the United States, and the same repetitive responses that are simply incorrect. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, 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 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX, 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 2022-08-01 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account Number XXXX, XXXX, XXXX, XXXX, XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my 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 2022-08-01 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account Number XXXX, XXXX, XXXX, XXXX, XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the following with Experian and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXX XXXX XXXX XXXX  XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX {$520.00} Original creditor : XXXX XXXX showing opened date of XX/XX/XXXX- but XXXX Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.

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 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I transferred funds from my trading account to my Coinbase account. The wallet address in Coinbase was in USDC, however, the funds were received into my Coinbase account in USDT. My total Coinbase balance reflects the funds received however upon making an attempt to convert the USDT to regular USD, Coinbase doesnt allow me to to do. At first, I didnt know where the funds were at but upon contacting Coinbase, they told me that its in USDT XXXX I explained to them that I cant convert to USD. They provided no assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XX/XX/2020

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 2022-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}

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 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Hello, I am requesting a special courtesy removal of a delinquency on my credit report from a PNC credit card I held in 2019. Because this was my first time using a credit card and I found myself in an emergency situation, I was suddenly unable to pay my minimum payments on time and incurred a large debt. However, I have since settled the charge off with a third-party collector. Despite this, PNC has refused to remove the negative item from my credit report. I would like PNC to consider the special courtesy removal, especially because during the time I was forced to settle the payment, I lost my home in a fire and had many emergency costs. I have included a letter from the Office of XXXX XXXX in XXXX XXXX DC to verify. Please consider my request for removal given these challenging circumstances. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: MD

Complaint narrative:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}

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 2022-08-01 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: MD

Complaint narrative:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : Experian : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020

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 2022-08-01 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: CA

Complaint narrative:
I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 TransUnion : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020

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 2022-08-01 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: CA

Complaint narrative:
I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 Equifax XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: SC

Complaint narrative:
On XX/XX/2022, I requested that missing accounts be added back to my credit report after they were removed in error. As of today, those accounts still are not being reflected. 

The missing accounts are : XXXX XXXX - XXXX XXXX XXXXXXXX - XXXXXXXX XXXXBank - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation