vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
Trident Asset Management, unlawfully added a 120 day late payment to my report without cause in XXXX of 2022. I have never entered into an agreement with this company. They purchased my charged off debt from a previous debtor, this late payment was added in retaliation. I request that this account be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: NJ

Complaint narrative:
On XXXX I added a new bank account to my Venmo app. I began a bank transfer of funds for {$1000.00} out of the {$3000.00} total balance. The transfer failed and immediately my venmo acccount was " suspended for violation of use ''. Confused, I called the customer service line to be told that she saw my account was frozen but did not see a reason why. She told me that I would receive an email from a third party account specialist in 6-7 days and she had no other way to assist. I sent two emails to the Venmo email customer service seeking assistance in withdrawing my money. 

On XXXX My email was replied to by account supervisor XXXX and still provided to answer to why my account was suspended or how to access my funds. I replied to his email asking for clear clarification of those same questions on XXXX. He never replied to that follow up email. 

On XXXX Still having no response to my urgent questions, I sent supervisor XXXX XXXX follow up email and called customer service. They said the only way to communicate my concerns was through email and general customer service ( the only customer service offered ) could be of no assistance On XXXX Again having no response or way to access my {$3000.00}, I conducted a customer service chat and was informed that now the 6-7 day wait time to even get a response from Venmo account specialists turned in to a possible 3 week wait time to get a response. I expressed my frustration and desire to simply withdraw my funds from Venmo. 

On XXXX Still having no response from the account supervisors via email from my emails sent on XXXX ad XX/XX/13, I reached out to Venmo customer service via chat. Once again, I was provided no answer to why my account was suspended, how I could access the {$3000.00} of a balance in XXXX, and no contact information or method to contact a general account supervisor or an account specialist. XXXX 's only solution was to " be more patient ''. 

On XXXX Again having no answer or assistance in accessing my {$3000.00} ( now, 16 days after the original account freeze ), I again sent an email to the account supervisor XXXX requesting an explanation to why my account was in violation and how I could access and remove my funds today. I have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have unauthorized inquiries on my credit report I called the credit bureau but they refused to remove even after I informed was fraud. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WI

Complaint narrative:
I receive my social security funds directly into my DirectExpress account. There have been numerous fraudulent charges throughout my time with DirectExpress. I tried resolving but when they send me the paperwork it never is timely. They have a rule you have 10 business days to file your complaint from the time DirectExpress sends it through USP service. They gave me fax numbers that do not work, e-mail address that doesn't work and no physical address, just a P. O. Box address. I really would like to speak with someone regarding the amount of money I have been denied. The individuals working at DirectExpress are rude, I've been yelled at stating that their fax machines are working and that it's my fault. I just put a complaint on XX/XX/2022, through 2-day mail delivery to their XXXX XXXX to in XXXX XXXX XXXX TX. I had {$230.00} in fraudulent charges from XXXX in my XX/XX/2022 statement. I do not own or have XXXX products. This has happened prior to this many times. Always XXXX charges. All fraud. Email me please. After the charges I have nothing to buy food. Please help me. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I called a representative kindly agreed to have this late payment removed from my account now. That it has been paid in full and I have since been on time with all recent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX 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 instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On or about XX/XX/21, I made a purchase in the amount of approximately {$4400.00} from XXXX XXXX. An associate suggested we open a XXXX XXXX credit card to get 10 % of the purchase back that could be applied to future purchases made on the card. 
I asked for clarification regarding whether there were any limits to how this could be applied, including whether we had to spend at XXXX XXXX or certain stores. I was told no, that we could apply this to any future purchases. 
This was apparently false. 
I called XXXX XXXX and they said the rewards can only be applied to spending with that or their related brands. Which is not what I signed up for ; I was specifically NOT interested in that, but only in an option where the 10 % back could be applied to ANY future purchases made on the card. 
Had I been given accurate information, Id have not opened the XXXX XXXX card, instead made the purchase on an existing card, and benefitted from my preferred awards. 
XXXX XXXX offered no resolution whatsoever, and has taken zero accountability for providing this false information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I called a representative kindly agreed to have this late payment removed from my account now that. It has been paid in full and I have since been on time with all recent payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I was contacted in XXXX of this year XXXX by Phoenix Financial Services a debt collector stating that I owe a debt from a XXXX  in XXXX Fl that I have never been too. When I asked them to provide me hard proof they would not and laughed and said it is your debt and you will pay it or else. They only would give me the date of service and said it was from XXXX. There is no way any hospital would wait 5 years if I had outstanding debt with them. So I asked them for the name of the medical group they say I owed which is XXXX XXXX XXXX. I looked them up online since they would not give me a phone number and it came up as a place in XXXX, Fl. I have lived in XXXX, but I have never been seen at this location. I called the hospital and asked for their billing dept and spent an hour on the phone and they could not find me given the account number that is on the bill that Phoenix Financial sent me in the mail. They have never heard of the group and they searched for me up by my social, name and everything and have no record of any visit at their hospital ever. So today XX/XX/XXXX I get a alert on my credit report that there has been a collection placed on my XXXX report for {$120.00} from Phoenix and this is just wrong and hurtful. They have harrassed me daily with calls and they are rude and wont give proof that this is my debt which is it not. I had Medicaid in XXXX and all my debts were paid by Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I was living with a roommate she had access to all my information and she tried to remove my {$600.00} from my chime online banking account I tried to obtain my money for 3 months and they would not allow me to have it. I tried to obtain my money for 3 months while all the time telling them that I'm the one that started the fraudulent complaint they said I was not entitled to my money any longer and said they're keeping {$600.00}. I sent them a copy of my license I sent them a copy of my social security card I sent them a copy of proof of address and they still wouldn't release my funds what do I do how do I go about getting my money back please contact me at XXXX or my email at lowercase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Amount : $ {$3300.00} Email : XXXX XXXX XXXX Southwest Recovery Services with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX XXXX to XXXX I received an email from Southwest Recovery Services with XXXX XXXX XXXX in regards to a collection amount of {$3300.00}. I have already gone to court and the judge already granted the decision for me to pay XXXX XXXX XXXX in the amount of {$2900.00} in XX/XX/XXXX. XXXX XXXX XXXX is requesting more payments after XX/XX/XXXX when I am no longer living on the property. XXXX XXXX XXXX is asking for XXXX and XX/XX/XXXX Payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verified First, LLC
State: CO

Complaint narrative:
I had a credit report pulled for employment and my parents address came up in XXXX, FL for a debt from XXXX. I have not lived with them since XXXX of XXXX. I believe my parents may have used my social security number behind my back.

Company response to consumer: Closed with explanation