vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I took out a HELOC loan with another company for debt consolidation. They issued checks to the debtors I owed money to based on the amount shown on my credit report. The check they sent me to pay off my Avant loan was in the amount of {$3900.00}. I then contacted Avant and requested a payoff amount, which was {$3700.00}. According to the payoff agreement, my payment had to be received within XXXX business days of XX/XX/23. The check was mailed to the address on the payoff agreement on XX/XX/23. I checked my portal on XX/XX/23 and the payment was not reflected on my account, so I called customer support to inquire about it ( all other debtors I paid - XXXX in total had already received and processed my check payments ). The service XXXX confirmed that the check was received on XX/XX/23 and there was nothing further that I needed to do. My portal should update within a couple of days. On XX/XX/23, my account still had not updated and I was receiving notifications that my monthly payment would be due on XX/XX/23. I called Avant customer support again on XX/XX/23. They said they apologized for providing me with incorrect information, but they saw no payment in the system and so I would need to make my monthly payment. They also stated that they would escalate the issue of the missing check. I asked to speak with a supervisor since I was told that my check had already been received on XX/XX/23. After a long hold, I was told that there was no supervisor currently available, but that I would received a call from XXXX. I never received a call, only an email stating that they received my payment and had dated it as being made on XX/XX/23 ( even though I called and the email was sent XX/XX/23 ). I never received further communication, so on XX/XX/23 I called requesting the difference in the overpayment be refunded to me. The amount I calculated based on the payoff agreement and the fact that I was told my check was received XX/XX/23 was {$150.00}, however since they did not put through my payment until XX/XX/23, they said the amount being returned was {$110.00} and some change and said I would receive it in XXXX weeks. The poor communication and unorganized ordeal leads me to believe that they intentionally waited to process my payment since it was an overpayment so that they could charge more interest on the loan ( especially since I was paying off the loan very early ). I again asked to speak with a supervisor during the XX/XX/23 phone call and after a lengthy hold, I was hung up on. After calling back 3 times before they took my call again, they told me someone would contact me via email and to watch for my {$110.00} refund in XXXX weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} 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 2023-11-20 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: FlexPath Capital, Inc
State: CA

Complaint narrative:
Please see the prior complaint : XXXX Flexpath Capital has shutdown and now, I cant contact them at all to find out who is servicing my loan. They have my address but havent sent any notices. 


If tried email and contacting the following without success : XXXX Flexpath Capital LLC XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX Also : FLEXPATH CAPITAL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: LEXISNEXIS
State: VA

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 2023-11-20 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
In XX/XX/XXXX, someone gained unauthorized access to my Venmo account, resulting in the withdrawal of {$1000.00} from my checking account. The the hacker then attempted to use my credit card, and the CC company flagged the transaction as suspicious and contacted me, preventing any further damage. Venmo reimbursed the {$1000.00}. 
Since that time, I have received many emails ( often multiple times a day ) warning me of sign-in attempts to my account. I called Venmo and they told me that my account is " locked '' but not " closed ''. The only way that I can close the account is to upload to their website : 1 ) an unobscured color picture of your unexpired US government-issued ID AND 2 ) a selfie of you holding your ID I do not feel comfortable doing that because I have already been hacked once. I have spoken to several people at Venmo, and all confirm that there is nothing they can do without me sending the information above. I have no doubt that the people I have spoken to at Venmo are telling me what the company policy is, but shouldn't there be another way for me to close my account? I've closed many types of accounts over the years and have never been required to transmit this personal information. 

It is 18 months later and I continue to have sign-in attempts to my account. 

I have communicated with the following people : XX/XX/XXXX : Reached out to customer support. ( request # XXXX. ) XXXX. Account Specialist | Venmo XX/XX/XXXX : Reached out to customer support ( request # XXXX ). 
XXXX : Communicated with customer support members XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XX/XX/XXXX : Submitted a claim to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed on XX/XX/XXXX that CFPB is the agency with oversight of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TN

Complaint narrative:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please review the enclosed files. I request the bureau to initiate an inquiry into these accounts, as I have consistently been on time with payments, yet they are incorrectly recording me as delinquent.

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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I received an unsolicited text message from XXXX which stated, " Capio Partners, a Debt Collector : We recently sent a letter about acct XXXX. Call XXXX or visit https : XXXX to optout txt STOP. '' I have no knowledge of this company and I do not have a contract of any kind to do business with them. I feel threatened by this action of some stranger contacting me regarding I debt that I don't owe and telling me to pay them. I did not give this company permission to contact me and They have no permissible purpose to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My debit card was stolen and transactions were made on my account without my knowledge for 90 days until I have noticed. I have reported my card as stolen the moment I became aware of it and disputed all the transactions involved totaling ~ {$3000.00}. During the process I found out PNC Bank gives their customers 60 days for disputes and a month worth of fraudulent transactions were not credited back. I have lost ~ {$800.00} because of that. Through my research I was able to find out 60 days is the minimum dispute time limit allowed by the government and while PNC chose to implement that, other banks in the area ( XXXX, XXXX XXXX, XXXX XXXX XXXX ) give their customers 90 days or more. The debit card is backed by XXXX and many of the transactions in question had gone through their payment platform. XXXX offers 120 days for disputes to their customers. XXXX representative told me over the phone they do not deal with this outside of reporting the card and issuing a new one and my financial institution is my only option. Escalating my problem within PNC allowed me to talk to some of the managers including my personal case manager and all of them follow their cold rules without exceptions. After telling my case manager about other banks offering 90 days I was told she doesn't care about what other banks do. Banks and XXXX make billions of dollars in net profit every year and refuse to do what is right for the hard working American citizen. They place the burden of what was essentially stolen from within their institution, without any wrongdoing on my part other than not being vigilant enough, onto me. The whole premise of a bank is to keep money safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
un authorized inquiries 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

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 2023-11-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
un authorized inquiries 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

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 2023-11-20 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: OH

Complaint narrative:
I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX {$1800
.00} , XXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity a

nd 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: OH

Complaint narrative:
I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX {$1800.00} , XXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( XXXX ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :

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 2023-11-20 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: NY

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian

Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2023 Ive submitted a dispute to update my current address and remove my fathers address from credit report due to fraudulent account being opened at this address without my knowledge. 

I have submitted a XXXX Police report XXXX And identity theft report XXXX In adddition to lease and utility bills to current address. 
I was never aware of these accounts associated with XXXX and want them removed.

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 2023-11-20 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: TX

Complaint narrative:
Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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