vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I set up my refund preference with XXXX  XXXX to receive my XXXX financial aid refund through Venmo. On XX/XX/XXXX, I received my financial aid refund of {$1600.00} ( Financial Aid ID : XXXX ) into my Venmo account through an ACH transfer. Shortly after receiving this legitimate financial aid deposit, Venmo suspended my account without explanation. 
I followed their verification process and provided photos of my ID as requested ( ticket # XXXX ). After submitting my ID, I received no confirmation. I contacted their support via chat on XX/XX/XXXX, and spoke with a representative XXXX XXXX XXXX XXXX who said they would escalate my case. Later that day, I received an email from XXXX XXXX, an Account XXXX, stating they were permanently deactivating my account and would hold my funds for 180 days for " loss prevention purposes '' - despite this being a verified financial aid refund from my university. 
They have refused to provide any explanation for why they suspended my account, stating they " do not divulge our decision-making criteria. '' They also informed me they will not respond to any future inquiries about my case or my funds. This is my educational funding that I need for school expenses, and they are holding it without cause or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I have called multiple times in an attempt to clarify payment adjustments and qualified payment information towards student loan forgiveness, but do not have the time to wait on hold for 2-3 hours at a time. I have called and held only to be disconnected before speaking to a person. Additionally, I have emailed Mohela about this information, but have received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning has a lot of incorrect information on my credit report and refuses to give me a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Incorrect Credit Reporting which provided inaccurate credit information, leading to wrongful denials of credit or unfavorable loan terms. 
Failure to Correct Errors XXXX did not adequately investigate disputes regarding inaccuracies in credit reports, violating the Fair Credit Reporting Act ( FCRA ). 
As A XXXX  Customer Im Aware of the data breaches that compromised sensitive consumer information, which raising my concerns about their data security practices. 
misleading advertising or practices related to their credit monitoring and identity theft protection services.

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 2025-01-09 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : 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 2025-01-09 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : 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 2025-01-09 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: TX

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX FIN - XXXX, XXXX XXXX, XXXX - XXXX AND ALL NEW OR OLD INQUIRES CAPITAL XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED INCORRECT INFORMATION HARMING MY LIVIEHOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX  - XXXX, XXXX XXXX, XXXX - XXXX AND ALL NEW OR OLD INQUIRES XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  XXXX XXXX. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED INCORRECT INFORMATION HARMING MY LIVIEHOOD.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was denied access to my principal 's credit for no reason and received no consideration for the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I typed this once and it was somehow lost. Long story short. I have an account with Affirm. On XX/XX/year>, I made a " planned purchase '' in the amount of {$350.00}, usd. Within hours of placing the order I changed my mind, and canceled the entire purchase. I have been trying since XX/XX/year> to get this issue resolved. I am now getting harrasing text msgs, emails stating my account is delinquent. I have spoken with XXXX different agents. Attached requested docs showing the order was canceled, XXXX released the {$350.00} back to Affirm, but they are not closing the account. I've reported Affirm to the XXXX, and am at a loss of what steps to take. I am rebuilding my credit from the pandemic, and have not paid XXXX bill late. I have other open balances with Affirm and never a late payment. After XXXX months it's time to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRAthat you, the all three credit reporting agencies, XXXX, transunion and experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On these accounts, collections, and 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 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 2025-01-09 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRAthat you, the all three credit reporting agencies, equifax, XXXX and XXXX  block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. On these accounts, collections, and 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 XXXXXXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  I WAS ALSO IMPACTED BY EQUIFAX DATA BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW 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 2025-01-09 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: NY

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/year>, I was involved in a traffic crash in XXXX XXXX, Florida. A traffic crash investigation conducted by the XXXX XXXX Police Department ( XXXX ) determined that the driver of the other vehicle, a ten-wheel heavy commercial truck, was at fault. 

XXXX XXXX was my auto insurance carrier at the time of the accident. Despite the determination by the police, XXXX XXXX erroneously lists me as at fault. Furthermore, they have reported this erroneous information to LexisNexis. LexisNexis has placed the information in my Comprehensive Loss Underwriting Exchange ( XXXX XXXX ) report. The information in the XXXX XXXX report has unfairly caused me to pay higher premiums for insurance coverage. 

I have repeatedly spoke with the XXXX XXXX claims XXXX XXXX XXXX to dispute this matter. XXXX XXXX has refused to change the determination and has acted in a very condescending and unprofessional manner as if he was purposely trying to drive me to anger. He has taken what I characterize as a very arrogantly ignorant posture about the matter. He has insinuated that the XXXX traffic crash investigator was inept. I questioned XXXX XXXX training, experience and skills relative to conducting traffic crash investigations. He claims his expertise comes from processing a number of insurance claims. XXXX XXXX also informed me that he was in possession of a dash camera video from the truck that supports his determination that I was at fault. He has failed to provide me with a copy of said video after numerous requests. XXXX XXXX has also admitted to not providing a copy of the video to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I have a significant reduction in income since covid 19. I am also going through a divorce. I requested a forbearance until my divorce can be taken care of my husband will not sign anything ( he is on title only ). I was told in XXXX i was approved and would get documentation. I have yet to receive anything and kept contacting freedom. Numerous phone calls and portal messaged and yesterday XX/XX/XXXX i got a email saying i had documents for my modification being mailed to me. I got the documentation yesterday XX/XX/XXXX with a date of XX/XX/XXXX ( also available in my portal yesterday not XXXX ) for a FHA partial claim. Which is great but my husband will not sign anything and i requested a forbearance. It also says i have to let them know by XX/XX/XXXX. Seeing as I get this in the evening of XX/XX/XXXX that seems a little XXXX. I also am being told to give them up to 7 days to get back to me about why i am not getting a foberance. It also says I am not able to do a COVID-10 XXXX XXXX modification because my acct is not more than 90 days delinquent. Which is incorrect. I sent a message through he portal because i do not trust them what so ever. I have also contacted the FHA because this is not what i asked for and was told I was approved for. i am going to lose my house because they don't care.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please close all my credit card accounts and remove from 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