vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
TransUnion is been reporting an inquiry by XXXX XXXX twice, on XXXX, and XXXX. I had no business with this company or authorized them to run my credit.

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 2024-02-24 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: RI

Complaint narrative:
Experian is been reporting an inquiry with XXXX XXXX XXXX dated XX/XX/year>. I had not authorized this company to do any credit check or even have any personal business with this company

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 2024-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Rental debt was reported on my credit report. I left the complex in XX/XX/XXXX. Upon leaving, I gave the apartment complex my forwarding address. I also turned in my keys. Fast forward in XX/XX/XXXX I looked at my credit report and saw that the amount of {$3800.00} was sent to collections. I called the apartment XXXX XXXX XXXX XXXX around XX/XX/XXXX and asked them about the debt and they told me that I needed to call the collection agency ( National Credit Systems ). I called the collection agency asking about the breakdown of the debt and she became very rude. She finally told me she would give me information to dispute the debt.I also told the collection agency that I never received a notice from the apartment management company concerning the debt or a letter from the agency. When I asked what address the notice was sent to, I was told the address at the old apartment. The company then asked for my new address. I gave them my new address. As of XXXX XXXX. I have not received a notice from them. I also contacted them and was told that I had to talk to that same representative. It has been a week and she still hasn't called me. I am currently disputing the debt with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: PA

Complaint narrative:
See the attached documents.

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 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
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 2024-02-24 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: CA

Complaint narrative:
I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
Please see attached file

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 2024-02-24 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: NJ

Complaint narrative:
I have already called and made ALL XXXX Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), XXXX, Transunion, and XXXX are required to delete all information related to the fraudulent use of a the victim 's identity. 

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

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 2024-02-24 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: RI

Complaint narrative:
Experian is been reporting an inquiry by - XXXX XXXX  on XXXX. I had not authorized neither or had business with this company.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Company XXXX failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. XXXX sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Company XXXX failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. XXXX sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.

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 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
I sent a payment to a friend on Venmo.

They suspended my account and debited my checking account for the payment amount even though they did not send the payment.

They asked for Verification, which I did when I setup my account so I uploaded my State Drivers License again. 
They will not tell me why they suspended my account or when these funds they withdrew from my checking account were not transferred back. 
Only received emails stating it would be XXXX business days until verification is complete. 
They have {$2000.00} from my checking account sitting in my Venmo balance.

They emailed this morning stating my account was unfrozen and I was verified.

I imitated a standard transfer to my checking account the full Venmo Balance to my checking account.

They froze my account again and asked for me to Verify my identity again.

They have not transferred my funds back to my checking account and say they will take another XXXX business days to verify my identity again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX my phone was stolen and my information was compromised. In the midst of my information being compromised my cards were taken and my money was stolen from my account as well. I retrieved my phone back but never got my cards back. Between XX/XX/XXXX and XX/XX/XXXX {$5200.00} was taken from me between chime pay anyone, XXXX XXXX and my cards being added to XXXX XXXX and sent through XXXX XXXX. Ive made XXXX police reports and contacted the person who stole my money and basically was told that the only way Id be receiving my money back was through chime disputes and Ive literally gotten no help just a denial and a no error occurred I do not know these people who had my stuff. I dont know the people that my money was sent to & I DID NOT authorize those charges. That was all my money I had to my name and I need to be refunded so that I can take care of my bills and my children thank you. Ive tried XXXX different times to get to my dispute approved with all the evidence I had or needed to provide including police reports. Just to still get denied. Ive had to call to get chime to fix my dispute from incorrect categories on multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: OH

Complaint narrative:
I am writing to follow up on my previous correspondence regarding the delayed processing of my account opening with Credit Bureaus. Despite my previous communication, I regret to inform you that the issue remains unresolved, and the account opening process has yet to be completed.

As a prospective client, the continued delay in opening my account is not only frustrating but also reflects poorly on the efficiency and professionalism of your organization. I have submitted all required documentation and have complied with all necessary procedures, yet the delay persists without any explanation or indication of progress.

I understand that administrative processes may encounter occasional setbacks ; however, the prolonged delay in this instance is unacceptable. It has not only inconvenienced me but has also hindered my ability to engage in business transactions with your company in a timely manner.

I urge you to prioritize the resolution of this matter and expedite the processing of my account opening without any further delay. Timely action is crucial to restoring my confidence in your company and facilitating the commencement of our business relationship.

Furthermore, I request that you provide me with regular updates on the status of my account opening and the steps being taken to rectify the situation. Clear and transparent communication will help alleviate concerns and demonstrate your commitment to resolving this issue promptly.

I trust that you will take immediate action to address this matter and ensure that the necessary steps are taken to expedite the processing of my account opening. Failure to do so may compel me to explore alternative options and escalate this issue further. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the XXXX reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX nor Equifax informed me of my right to exercise the nondisclosure option. 
USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law. 
15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: VA

Complaint narrative:
On XX/XX/2023 I filed a complaint with the cfpb # XXXX also uploaded all required documents that supported my request to block information as a result of identity theft. In the response to my complaint mentioned above Equifax stated they are not Reporting XXXX XXXX XXXX XXXX XXXX. However, its still being reported. They also have disabled my ability to reprocess my request through my online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans were transferred from XXXX to XXXX in XX/XX/2023, yet XXXX continues to report my accounts as " open '' to the credit reporting agencies. As a result, XXXX is reporting my " Total Debt '' as almost XXXX  the amount it actually is. 

I contacted XXXX several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. XXXX responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the XXXX accounts with XXXX. Not only did XXXX *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NY

Complaint narrative:
My student loans were transferred from XXXX to XXXX in XX/XX/year>, yet XXXX continues to report my accounts as " open '' to the credit reporting agencies. As a result, Experian is reporting my " Total Debt '' as almost XXXX  the amount it actually is. 

I contacted XXXX several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. XXXX responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the XXXX accounts with Experian. Not only did XXXX *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.

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