vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to the credit bureau 's ( Experian, XXXX, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.

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 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested validation from Discover about an alleged debt as part of a complaint Discover started in court. I received correspondence from Discover dated XX/XX/XXXX, stating the alleged account was opened in XX/XX/XXXX. That a credit card was issued on XX/XX/XXXX, Discover also included alleged statements from XXXX XXXX XXXX. 
Additionally, Discover mentioned there is an outstanding judgment and the alleged account has not been sold. 

This does not constitute validation. The documents provided are incomplete and validation is not possible. How can Discover file a claim against a consumer if they do not have a valid alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have used Venmo successfully since XX/XX/XXXX. A friend sent me {$300.00} on XX/XX/XXXX, and when I tried to transfer it to my bank account, like I always do, Venmo said that my account is suspended. I emailed customer service, called them, attempted the 'chat ' feature from their website, and they said are " reviewing my account '' and will get back to me in 3 weeks, maybe longer. I really need that money, and they do not care. They are holding this money, and will not give it back to the sender, will not give it back to me. I did nothing wrong with Venmo, they just decided to take my money, with zero warning. There is nothing in any terms or agreement that says Venmo will unexpectedly hold any money that someone sends to you, and not let you have it for an unspecified amount of time. It seems like ALOT of other customers are having these problems with Venmo 'freezing ' their accounts and not giving the money back. This company should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent XXXX XXXX XXXX XXXX a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called Transunion and advise them that per 1006.34 ( b ) ( 5 ), XXXX XXXX has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.

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 2022-07-26 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, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor Account # 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 an 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 2022-07-26 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 Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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:
I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : 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 2022-07-26 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:
I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : Equifax Mortgage SerDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I have made multiple requests to have the reporting to XXXX to be consistent with the other reporting agencies. This has taken many years as the contact information provided by XXXX is outdated and my many requests that were sent to XXXX as provided by XXXX were redirected to XXXX and to a different company. To no avail, I complained routinely to XXXX that they were not providing valid contact information. 

Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I indicated in writing to PHH Mortgage Services that their reporting in regards to Ocwen was inaccurate. They denied having any knowledge of my account, although the account was routinely confirmed to XXXX. I finally received correspondence dated XX/XX/XXXX, from PHH stating that if I wanted to dispute the account, to respond by sending the verifiable documented proof. Sadly, they were responding to a letter that provided all of this documentation. 

PHH is reporting that a foreclosure started XX/XX/XXXX. This is inaccurate. The foreclosure was started XX/XX/XXXX and the mortgage was actually satisfied XX/XX/XXXX. This proper reporting is indicated as such on XXXX and 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 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Last year I started an account with XXXX  for virtual currency transactions and trading After a short while a company approached me online claiming to be a bitcoin day trading platform with XXXX, that could guide me into bitcoin day trading, to gain profits as the markets allows us to do so. 
Their platform checked out and it looked like a legit business to start trading virtual currency XXXX was the website for their trading platform. 
I trusted them cause they got my information from XXXX and theyre a serious well respected platform, but it turned out to be a state of the art scam and I lost a lot of my money, I need help to recovered those funds.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Today- XX/XX/2022, I called multiple times to get the status of a XXXX XXXX XXXX XXXX XXXX XXXX AND their store card applications I submitted over XXXX weeks ago.I was hung up on twice ; and when I asked to speak to a supervisor for the credit card application I was put on hold for 15 more minutes before being transferred to the automated system. The credit card agent could not find my application and said, because I cant find you in my system, you have been denied. The second agent ( for the store card ) said I would not be in their system until I am approved or denied. - Please note, again, that it has been over two weeks since I applied. - The XXXX XXXX XXXX XXXX website said to call to check the status of a credit or store card application. Federal law mandates if I am denied, then Comenity Bank/Bread XXXX XXXX issuers of these cards ) HAS TO GIVE ME A REASON FOR THE DENIAL. However HOW CAN YOU SAY I AM DENIED WHEN YOU CANT EVEN PULL UP MY APPLICATION? 

Very shady. You probably wont be able to even SEND me a denial letter since you cant pull me up in the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Payment plan set up with consumer in XXXX. 
Payments automatically withdrawn from my bank account for agreed amount. 
Each month the company was reporting my account as delinquent on my credit report. 
When I asked for it to be removed they said no l, that I agreed to a payment plan but the account was delinquent still which defeats the purpose of a payment plan. When I asked for a copy of our conversation of me agreeing to a payment plan which still held my account delinquent ( which no one would agree to ) they refused to send the transcript of the recorded conversation. 
When asked to speak to a supervisor I was told that was not possible and thats they do not have any way to remove anything that went on a credit report. Even though I was making payments and the account was still being flagged as delinquent but they never called, emailed, sent a letter, nothing to tell me the account even with a payment is still delinquent. I dont know how and account is delinquent if a payment is being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to the credit bureau 's ( XXXX, TransUnion, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reached out to the credit bureau 's ( XXXX, XXXX, and Equifax ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a claim involving numerous unauthorized transactions posted to my Capital One bank account ( acct # ending in XXXX ) dating back to XX/XX/2021 in which I became aware of in XXXX of XXXX While filing a complaint I was notified by the banks fraud department both verbally and in writing that I would receive a temporary credit to my account while the bank conducted an investigation into the charges. I waited over 30 days and still heard no word from the bank until I contacted them to find out what was happening. They then informed me that they would not be restoring my account. The explanation given to me was that there were valid transactions occurring during the fraudulent charges. I already tried to explain to the fraud department that the unauthorized charges I was disputing were occurring at the same time as automated payments that occurred without my card in my presence. They also mentioned that account logins happened from valid locations which I am still not responsible for. My card was used without my permission and I had no control over any access anyone may have had with my account. I was recently a victim of a security data breech as well, so that may have been a part of the overall issue of my information being accessed, but this was not a fair assessment to validate the transactions made without my authorization. As a long time consumer with this bank to be dealing with this type of disregarded and treatment is unacceptable. I believe they did not conduct a thorough investigation before deciding not to disperse my funds. No one in the fraud department has agreed to look further into the matter therefore I have filed a complaint through the XXXXXXXX XXXX  Attorney Generals Office for consumer fraud and not abiding to FDIC insurance claim. The complaint number on file with the XXXX XXXX  Attorney General is # XXXX and attached is the decision letter from Capital One bank which Ive included in my complaint file. The dispute numbers on file for the bank are # XXXX # XXXX and # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Researching the Cornavirus Cares Act it includes late payments not being reported on a persons credit report I am asking for help to clear the late payments included in the attached letter. 
during XXXX & XXXX corona virus pandemic I have been with Capital One for many years and until i suffered hardship during the corona time i was perfect customer and AFTER the pandemic setback i brought my accounts current and have been ontime ever since Please enclosed in the letter is request for relief of Goodwill on my late payments to be removed from my credit reports due to the Cornavirus Cares Act Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX SYNCB/XXXX ( Bank ) XX/XX/XXXX 2022

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 2022-07-26 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Finance ) TRUIST DEALER SERVICES ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXXt XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # 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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
in accordance with the Fair Credit Reporting act JPMCB CARD ACCOUNT # XXXX, / JPMCB CARD ACCOUNT # 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 2022-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TexCap Financial, LLC
State: FL

Complaint narrative:
My former Lender " TexCap Financial '' sold my account to " XXXX XXXX ''. They sent me a packet to switch over the lien holder to XXXX XXXX and that i would be making my car payments to them because they now have my account. 

I have been receiving countless phone calls saying that I am almost a year behind on my payments to TexCap Financial. I explained to the customer service rep that XXXX has my account and I have not received anything saying that the account was switched back to TexCap.

TexCap is saying that they have escalated my account for repossession unless i pay the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote a check on XXXX for {$1800.00} for my rent. It was stolen from the mailbox at my business boxes and altered and deposited to XXXX  XXXX XXXX for {$10000.00} and cleared my bank ( Chase Bank ) on XXXX. On XXXX I went to Chase Bank & filled out the declaration of Unauthorized Endorsement, then I went and filed a police report. 

As of today XXXX I still have not received my money back. I have sent Chase all of the documents that they have requested via fax because they say that is the only way I can send documents then it takes 48 hours to be uploaded to the system. They kept telling me they had not received my doc 's so I went to the bank and had them send over all of the documentation. Chase Bank has been a real headache thru this process, with today 's technology I should be able to email them while on the phone so they can tell me they received them

Company response to consumer: Closed with explanation