vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
The company I am having issues with is Venmo. The Service, which has my banking information, allowed so gentleman named XXXX XXXX to charge my account {$200.00} for gas - five times on XX/XX/2023. Prior to the charges being processed, they called me with an automated prompt informing me that someone was attempting to create an account with my number and if I recognized the charges. I obviously, said I did not but what is troubling is that the phone registered as spam on my phone so I was a little concerned. At the end of the prompt, the system informed me that my account will be locked for 48 hrs. The following morning I looked at my checking account and sure enough the charges went through. When I called Venmo which of course outsources their customer support outside of the US, they were unaware of the 48-hour lock or the unauthorized transactions. I was asked a bunch of dumb questions and ultimately I was told that in roughly ten days someone from the resolutions team will contact me with the result of the dispute. The fact that someone could charge my account without my authorization is problematic and I think a bug in the code. I personally do not know someone by the name of XXXX XXXX nor do I recall giving someone {$1000.00} in gas. I think if I am to wait ten days for a resolution I need to get paid the overnight interest for the money I am forced to go without. The overnight rate is 4.86 % which is about {$480.00} for ten days of wait time. I would love for this company to be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - IDENTITY THEFT ACCOUNT!!! 

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 of 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 2023-05-05 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: FL

Complaint narrative:
This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of account below has violated my federally l protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXXXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 with out my written instruction 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, other than records of conviction of a crime 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear LVNV FUNDINGXXXX I am writing to dispute the LVNV FUNDING account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with LVNV FUNDING.

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by LVNV FUNDING is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
The following Hard Inquiries are not mine, or were they authorized by me. They were done fraudulently by someone else, they are also not attached to any open accounts of mine and I would like them to be removed according to the fair credit act. 
XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PORTFOLIO RECOV ASSOC has accessed my credit report on the following dates Date of request ( s ) XXXX XXXX XXXX XXXX XXXX I do not know anything about this company or any debt owed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted XXXX several times first by requests ting validation, then disputing and lastly I requested an investigation. My complaints have been ignored and n if there was an investigation it was not conducted corrected. There are incorrect addresses, charged off accounts showing balances and late payments. I have brought this to their attention numerous times. I have included a copy of the last letter I sent a week ago as well

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 2023-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
See Attached document. 
Payment was tendered, not returned, not credited to account and breach of private contract. Private trust property is being foreclosed on, I am the beneficiary of a decedent estate and there is an on going probate case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I was notified via email that my new 360 checking account had been opened. On XX/XX/XXXX ( email wasnt reviewed until XX/XX/XXXX ) I reached out to Capital One concerned that said account was opened fraudulently and requested the account be closed. I asked a lot of questions pertaining to the initial start up of this account to no avail. The representative was very dismissive and instead was given the number for the credit bureaus. By XX/XX/XXXX a debit card for the fraudulent account arrives at my home address. I reached out again completely confused as most people committing fraud arent going to have the debit card and emails sent directly to the person whoms identity is being used. When I reached out wanting to be sure the account had in fact been closed and wanting additional clarity on if capital one had been the one that initiated the account I was told dont worry, the account will be closed and they will remove my email to insure I dont receive any more emails, as I have received numerous emails related to this account since my call on XX/XX/XXXX. Something is definitely not adding up and I feel as though Capital One opened this account. And without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IA

Complaint narrative:
-> General multiple noises and sound disruptions. 
-> Neighbors that were barely there and likely employed as XXXX XXXX XXXX XXXX XXXX 
-> A record of 2-3 maintenance requests that did not get fixed on my first request. 

-> An unrequested maintenance request " routine check '' that further damaged the plumbing in my bathroom, resulting in further sound disruptions. 
-> Severely illegally overcharged for attempting to fix these inflicted damages on my apartment for {$1500.00}, amidst noticeable confrontations from personnel wearing XXXX XXXX XXXX XXXX 
-> Ending my final rental renewal through the XXXX XXXX XXXX. 
-> Being notified for the first time of more illegally overcharged dues of maintenance requests after the first day of my expected active duty training period report date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
In the initial purchase of our new home at XXXX XXXX we were flooded with documents that needed to be signed. One of those was with Pulte Mortgage. Later it was disclosed that we had the option not to use them for our mortgage. As a consumer, I could have paused the process and asked more questions but instead I paid the required fees for the mortgage application and a future appraisal of the home to keep the process moving forward. It was explained that if we did not use their mortgage company that the appraisal fee would be returned to us. I believe that their statements were misleading and deceptive since we were not given the opportunity once closing date was announced to opt out of using them for our mortgage. Pulte Mortgage also claims they ordered an appraisal 3 days prior to us being notified of the closing date. However, the appraisal itself is dated many days after our notification to them that we would not be using their services. Another way that Pulte Mortgage conducting deceptive business practices is by requiring us to acknowledge higher and higher mortgage rates via esign docs in XXXX. Yet as rates came back down not one document was sent to adjust to a lower rate. Again, to a consumer this is a misleading and deceptive practice on their part. I also wonder why Pulte Mortgage requires the appraisal BEFORE the building of the home. Most mortgage companies recoup that fee at the closing because the appraisal is requested at the COMPLITION of the building process. I wonder if this is not the 1st time Pulte Mortgage has pulled this stunt.

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX : {$300.00} put on hold on my checking account. This CC was from after XX/XX/11. The original total was {$350.00}, now they want {$12000.00}. It's been 20+ years. 
XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. Please help. They have a hold on the funds but can't actually remove them as they are not a legal entity that practices proper legal procedures but buys debt for pennies on the dollar and then threatens people into paying. After XX/XX/11 I maxed most/all of my cards and eventually paid them all save one, the Midland XXXX . Their tactics were incessant and rude, they added penalties and interest that turned {$300.00} into {$12000.00}. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-05-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon checking my credit report I seen multiple accounts, auto loans, and fraudulent apartments created in my name that I am not responsible for. I am trying to buy a home and automobile vehicle and this is gendering my credit.

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 2023-05-05 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On or about XX/XX/, I obtained a notification from the credit bureau ( XXXX and XXXX ) that my score had decreased by over XXXX points. This came as a surprise to me because I have always been the type of person who paid ALL of their bills on time and even set up automatic payments, so that I did not forget. Apparently what happened is one of the Ally Financial Auto, who I was paying through automatic payments, took it upon themselves to cancel my automatic payments without notifying me, and then allowed my account to go into default again without providing me any notification WHATSOEVER. Then, after 30 days of the account being in default, they sent a delinquent account notice to the credit bureaus, which then dropped my credit score. I had zero opportunity to make manual payments after Ally Financial cancelled my automatic payment, and was not notified that they were doing this to my account. I have asked for an investigation of this, and even reached out to the company, and the company keeps denying that they were at fault. I would like this to be further investigated and escalated to the highest level possible. It is impossible for a consumer to know that their account has been changed if the company does not do their due diligence to inform the consumer especially if the company also has policies and terms that state they would notify consumers if there ever is a change made to their automatic payments. They also do not provide any information about the company being able to cancel automatic payments on their companies auto pay authorization form, which I have attached also. I have attached copies of their policy. This is horrible business practice, and grounds for fraud. Again, I would like this to be investigated, and will reach out to my local state representative to bring this to their attention as well.

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 2023-05-05 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: FL

Complaint narrative:
This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation