vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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:
On XX/XX/XXXX I purchased a XXXX XXXX which was listed on XXXX and traveled to pick it up in person. I paid with it with Venmo and paid extra to cover the extra fee for buyer protection. 

On XX/XX/XXXX I realized the product was clearly counterfeit. It was electrically unsound, did not have the right power supply, had mis-printed buttons, had a serial number that did not register with XXXX and they had no record of it. 

I submitted photos to Venmo and explained the situation and opened a dispute. They said they would give the seller within 15 days to respond. 

On XX/XX/XXXX they told me to return the item and pay shipping costs. 

I appealed saying that it was a clearly counterfeit item that should not be returned to the fraudulent seller. I thought they had misunderstood. I also offered to ship it back if actually necessary but that it would only be fair if Venmo or the Seller covered the cost as I had traveled to pick it up in person. 

I appealed to this and opened an additional case they said would get a response. They did send emails reminding and I called in from time to time to check on the case but no one responded to my explanation and evidence of the counterfeit product and evidence. 

I got an email eventually saying it was denied. So I escalated the case and had them re-open it. I also submitted more new evidence at XXXX request. 

I did not hear back for 15 days. 

I kept asking what was going on and for a response on whether I still needed to return a counterfeit product. I never got a response. Sometimes they asked me to reply to my case manager who had never replied to me. 

Eventually I got an email saying the case was closed and no appeal could be made on XX/XX/XXXX. 

I find their buyer protection to be misleading and that the requirement to ship it back is inappropriate and unexpected and not clearly detailed enough in their product. It also doesnt well cover situations where the item was not shipped in the first place. Venmo is offering a misleading product and not living up to the protection they claim to give consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I dont have any record of opening this credit card. Ive attempted multiple times to dispute and its not allowing me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have no knowledge of XXXXXXXX XXXX I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXX XXXX from my credit report 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
I refinanced some of my student loans that I had with EdFinancial. The loan refinance payment resulted in overpayment of some of my accounts with Edfinancial. EdFinancial is supposed to redirect the overpaid money to an account with the next highest interest rate. 

I have asked them multiple times over the course of about 4 months and they will not do anything with my money. It is stuck in limbo while they continue to require payments on my other accounts that are actively collecting interest. They effectively stole about {$1000.00} from me and they will not return it or redirect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I received a letter in the mail today. It had a supposedly prepaid debit card for {$25.00} from US Bank. I called US Bank. This is not a recognized card number. I believe this is a phishing scam.

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 2024-02-27 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: NC

Complaint narrative:
I have submitted a report to the FTC regarding this unauthorized credit inquiry ( XXXX XXXX XX/XX/year> ), which is a clear violation of my consumer rights. 
I have disputed this inquiry with Experian, providing evidence and documentation to support my claim that I did not authorize this inquiry and that it is inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiry from my credit report, stating that it is accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account & the {$1400.00} and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

I have no knowledge of this collection account " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: SC

Complaint narrative:
THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT XXXX XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXXXXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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 XXXXXX/XX/XXXX PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT THE XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXXXXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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  PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT THE XXXX  XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX  XXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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  PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.

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 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander is still reporting a vehicle that is affecting my consumer report in a negative way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd.
State: MN

Complaint narrative:
The company is XXXX XXXX in California. Previously I requested them to send validation to me or an address to mail payment to. They refused and said they can not do that. They falsely represent themselves as attorneys. I told them do not contact me or my family without sending me the validation letter. They continue to call multiple times and call members of my family stating they sent out documents which they never have sent anything. The number they call from is XXXX. They are not a law firm in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Between XX/XX/2024, EXPERIAN received my dispute on this XXXX account showing on my credit report. 

OnXX/XX/2024, EXPERIAN updated & verified the account instead of following the law. 

EXPERIAN you are in violation. Update this account to PAID ON TIME IMMEDIATELY, I have cited the FCRA law XXXX  had unlawfully violated. And I have also attached forms supporting my position on this matter

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 2024-02-27 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 express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Discussed getting a loan with Amerisave mortgage on XX/XX/15 and paid a {$500.00} lock fee and {$43.00} credit report fee to get a loan of {$420000.00} with a cash out refinance of {$110000.00} with a lock fee of 3.502 % for points. Lender indicated i was pre-approved. I then have provided all documents they requested 2-3 times. Suddenly 5 days later they send a second closing disclosure for a loan of {$390000.00} with {$57000.00} cash out with 3.901 % for points. I have attempted to contact them since the XXXX ( 7 days ), had received a call on the XXXX and they said they would look into it and contact me on the XXXX. I have not heard back from them so I called and emailed again and have had zero communication from them since the XXXX ( except to request copies of my tax returns AGAIN ). The bait and switch they presented me along with the lack of communication leads me to writing this report. At this point they have stolen my money, misrepresented the loan terms completely and I never would have paid the lock fee or attempted to do business with them for the second closing disclosure amounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
This account was under the forbearance agreement and M & T bank said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the M & T bank officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it

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 2024-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
In XXXX I tried to dispute this collection the first time but nothing happened. Earlier this year in XXXX I disputed it once again, after I called the company asking to verify how much I owed, I was also going to ask for an invoice of why they claimed I owed so much. However the lady on the phone told me she could not find any information under my name. In fact she told me the company was sold back in XXXX and they didnt keep the old records. So once again I tried disputing it. About a week into the last dispute they raised my debt. But still nothing happened. 
I have also tried talking to XXXX several times and they cant seem to help me either. I have no way to pay this collection or even access it. And in addition to that the dates are wrong. They also keep changing them every time I dispute it. Whenever I create a dispute something changes but I cant access it. It just doesnt even make any sense

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
Collector is restarting the clock on the date of first delinquency on XXXX to XXXX on all credit bureaus, this is an illegal practice and must to stop.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
On XX/XX/24 I filed a transaction Dispute used on my MoneyLion Checking Account and they denied me in 3 days stating it was not an error when indeed it was! I reached back out and I filed an appeal which took place on XX/XX/24. 

Today, XX/XX/24 I reach out to the company that charged me and they stated that the funds was removed from their end from my my Bank. Which I found quite interesting because I never even received a Provisional Credit from my banks behalf. I called instantly and they are stating that the investigation is still under process and that I do not qualify for a provisional Credit. Im 100 % disgusted by the customer service because they keep repeating the same thing and I can barely understand anything that is being said. I tried to get transferred to the Dispute Transaction department and they tell me that there is no way possible, they will reach out within the 90 day mark! 

I start checking the reviews for Money Lion and mostly every customer has gone through this and they never keep their end of the bargain when it comes to possible outcomes. If I would have known this I would have never put most of my hard earned money in their hands!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have unauthorized inquiries on my credit report that i did not recognize and i wanted them removed from my credit report because it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: MD

Complaint narrative:
i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/year> please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached

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