vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the removal of these incorrect phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX  XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
1. on XX/XX/XXXX I requested a bank transfer of {$320.00} from my Venmo account to be deposited in my XXXX XXXX account. I made the request via the Venmo app installed in my phone. Reading the online documentation I discovered that the transfer could take up to two weeks to complete. I reached out to Venmo to cancel the transfer but was informed that after the transfer is initiated there is no way to stop or alter the process. Instead I must allow ten to fourteen business for the transfer to complete. Then, at that point, if the money wasn't available I should contact them. 
2. Around XX/XX/XXXX when I hadn't received the money I contacted Venmo and inquired with XXXX XXXX. Neither could explain why the money had not been deposited. I filed a dispute with Venmo for resolution and asked the full amount be refunded. 
3. I made almost daily inquiries to XXXX XXXX and Venmo for an explanation and restitution. I was provided a Bank Trace Number to be given to XXXX XXXX. However, when I spoke to the representative of XXXX XXXX  she insisted there had no interest in the XXXX  XXXX, asserted that the XXXX XXXX  employees had no knowledge of the XXXX XXXX accounts and no access either. I was told I would need to obtain a reversal from the source bank reclaiming the money. However, when I contacted Venmo the Support person I spoke with said flatly that since they had already denied my dispute the matter was settled. She maintained that there was no appeal process and no established procedure for obtaining any funds. The matter was settled. 
4. Because I can not afford to be out over XXXX XXXX dollars I refused to accept their decision. I continued my efforts to determine where the money had been deposited and why I couldn't access the funds. I have been told that it violated banking guidelines to discuss the matter with me, that both companies retain no records of the transaction and can not provide the missing digits of the account number, that the account information has been deleted from my account leaving me with no way to identify the " personal checking '' or the account associated with a different card assigned to me. 

I have retained email correspondence, screenshots and put together a rough timeline of the event which I would be happy to provide. I resolved to be patient but persistent with both companies but I can not hide my frustration. Time and again reps made statements that seemed highly dubious but my ignorance of bank policies and financial procedures kept me from disputing what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Self Financial Inc.
State: SC

Complaint narrative:
1. XXXX weeks ago, I received a credit alert stating that I was XXXX  days late on a payment to self.com ( the agency that filed this does business under the name XXXX XXXX XXXX  ). 

2. XXXX identifies itself as a credit builder or entity designed to boost one 's credit score based on paying one 's apartment rent. I do not have an apartment.

3. I have completed an exhaustive review of all digital searches, visits, and emails from Self.com.

4. There is a document that I allegedly signed ( digitally ) on XXXX XX/XX/year> stating that I had received or would receive a check for ~ $ {$700.00} and that I would pay this debt within two years.

5. I have never received any money from Self.com because I never requested any of their services.

6. My first interaction with Self.com occurred on XXXX XX/XX/year>, and it was initiated based on an advertisement for their credit building services ( apartment rent ). Because the advertisement was obtuse, I visited the site and found their services irrelevant to me because I do not have an apartment. 

7. I find it disturbing that an agency would report late payments on an account that does not exist in my universe ; the agency never mailed, called, emailed, or texted me about any adverse credit reporting they had sent to the three major credit reporting companies.

8. I first learned about the harmful and fictitious reports when my subscription to a credit monitoring company sent me an alert in XXXX 2024. 

9. For the sake of clarity, Self.com shows a contract dated XXXX XX/XX/year>. My first exposure to their company was on XXXX XX/XX/year>, yet somehow, they managed to successfully, and with malicious intent, file a XXXX late report. 

7. Self.com 's fictitious and harmful report dropped my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a XXXX to XXXX XXXX on the XXXX platform in the first week of XXXX. After a month went by, XXXX decided he did not want to pay for the XXXX and filed a case on XX/XX/XXXX, claiming that he did not receive the package. I agreed to provide him a refund, after he returned the item to me. Paypal then provided him with the incorrect return address. The return address that Paypal provided to the customer is the address of the XXXX location in XXXX XXXX. I filed a claim XXXX XXXX and Paypal ruled in favor of the buyer while admitting to providing the incorrect return address to the customer. So the customer sent the XXXX to the XXXX in alum rock, and then put the fault on me. I tried calling for a month to resolve the situation but Paypal would not assist me. If you call Paypal and provide the case info they will confirm this information. 


The tracking number provided by Paypal can be seen in attachment XXXX and XXXX. I have included attachment XXXX and XXXX to prove my address listed in the application and in real life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: WA

Complaint narrative:
This debt collector called me and my friends and family and left voicemails stating that they are going to serve me with papers on Friday XX/XX/year> and that they are sending paperwork to my employer ( yes, sent the same recorded voicemail to all my friends and family ). The first voicemail was from a fake number : XXXX. The message indicated they were agents of PCR Group with phone number : XXXX. I called them and a man answered so I asked for his name : XXXX XXXX. I asked if PCR Group is a registered business in the State of Washington, and he said they are registered in every state. I asked if the registered name is PCR Group and he said PCR stands for Personal Counsel Recovery. He threatened me that if I did not pay for a payday scam, they would take me to court. I responded that they are violating both state and federal laws and demanded that they file suit in the proper court. He then continued to threaten me with serving me at home and sending documents to my employer. 

I searched Washington business records and there is no registered business PCR Group. I called back and told them they lied and that they are not registered in Washington and asked what state they are doing business in. They refused to tell me what state they are in, who the owner is, etc. Then they called me from a different phone number : XXXX. XXXX left a voicemail telling me to stop calling them. 

If you search online you will see that this business has a very long history of violating state and federal debt collection laws.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). 

Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as Equifax, XXXX, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. 

Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. 

As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. 

I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Account in XXXX : XXXX XXXX XXXX ( reporting twice negatively ) XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

XXXX here has not been given a chance to XXXX those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I have been delinquent on my mortgage payments due to loss of income since XXXX of XXXX. Subsequently, I had been threatened with foreclosure, and was informed via Selene Finance 's attorney via Certified Mail that my home was set to be foreclosed and sold at Auction on XX/XX/XXXX. 

I contacted Selene Finance via phone on XX/XX/XXXX and requested a Reinstatement Quote to salvage my mortgage and halt the foreclosure. 

On XX/XX/XXXX I received the reinstatement quote via email in the amount of {$27000.00}. 

I paid the amount in-full via Cashiers Check ( which the Reinstatement Quote stated was acceptable ) in-person at a XXXX XXXX branch on XX/XX/XXXX. 

I was given a copy of the cashier 's check, a receipt for the transaction, and verified via phone that the check had been cashed by Selene Finance LP Payment Processing. 

To-date, I've received no verification nor response from Selene Finance XXXX 

I called Selene Finance on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Each time, I was advised to wait, and that the payment had not posted to the " XXXX XXXX. '' I emailed Selene Finance 's customers service department on : XX/XX/XXXX XXXX My emails are tracked, and Selene Finance has not opened my emails, which contain copies of the cashier 's check and transaction receipt. 

The reinstatement quote expires on XX/XX/XXXX, and I'm fearful that the companies inattentiveness to this matter will lead to my home being sold at auction despite the fact that I have paid my delinquent loan balance in-full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
XXXX has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past 12 months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.

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 2024-05-01 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: FL

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX  ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
I took out a {$2500.00} loan. I've made XXXX payments of XXXXXXXX XXXX. Now I'm being told that the loan us for 34 months and I now owe over XXXX. This was never explained to me or I would have obviously not signed up. I've tried speaking to management and that doesn't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received a fairly large check from the state of Ohio for unemployment. I opened an account with XXXX and deposited my check only to have. A restriction put on my account and I went through XXXX days of saying they just needed to verify from Ohio that the check was from them after XXXX phone calls. They finally were able to verify I was told by a supervisor within XXXX minutes to hold will be released for my check, only to call in and be told it could take up to an hour hour goes by. I call in They tell me.they cant do it XXXX has already cashed the check they already verified. It was legit. I need my money. I cant wait. I dont wan na hold. Everything is legitimate, horrible customer treatment, and too many people telling me too many different things XXXX at the verge of loosing my house and need these funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: MI

Complaint narrative:
I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES NIT BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED IMTES SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX has unpaid debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I have sent a letter to early warning and XXXX XXXX  XXXX themselves asking for this negative mark to be removed that I dont owe.

Company response to consumer: Closed with explanation