vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-09 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MN

Complaint narrative:
Hi there, Old track ID XXXX New track ID XXXX I received the letter from social security. they said they can't help me anymore to get the money from Direct Express Bank ( you are the people who is holding money ). Because you don't want to release XXXX XXXX money that had been sat in there since my husband passed away XX/XX/year>. I also sent you the letter to request the money early XXXX so far, I didn't hear anything back. If I don't receive any e-mail back from you or the money. I'll contact a lawyer. So, we can go to court, it has been almost XXXX years. The remine balance is {$2000.00} and a Bal {$300.00} - so, the total is {$2300.00} XXXX XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
Affirm certified to XXXX on XX/XX/year> that their reported balance of {$1200.00} as of said date, is accurate when the balance was disputed by me on XX/XX/year>. I paid the balance in full on XX/XX/XXXX leaving a zero balance with Affirm. On XX/XX/XXXX, Affirm sent an email confirming the payoff of loan id XXXX. XXXX  dispute dept has told me thru a phone conversation that there is no law against Affirm certifying a false balance and the only thing that XXXX can do is re-open the investigation which will result in the same outcome. Is this what our credit industry is based on? Lies? If there is no way to ensure accuracy on a system that is used for the sole purpose of increasing how much interest a lender can get away with charging, then it is nothing more than thievery!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8

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 2024-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: MO

Complaint narrative:
placed of collection XX/XX/year> Hunter Warfield Inc # XXXX ( XXXX XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) Balance {$1200.00} XXXX  XXXX XXXX XXXX XXXX / Leasing date updated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed that incorrect bankruptcy information was reporting on XXXX and Transunion. I disputed this information with XXXX and Transunion and they stated that this information was provided by the Bankruptcy court. However, I contacted the bankruptcy court that was listed on my credit report and they sent me a letter that stated that they do not supply any credit agency with any information. Please see the attached letter.

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 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In recent months, I discovered several inaccuracies and unauthorized inquiries on my credit report, which have negatively impacted my credit score and overall financial standing. Despite my attempts to resolve these issues, the inaccuracies persist. Below is a detailed description of the incidents : Personal Information Discrepancies : I noticed multiple errors in the personal information section of my credit report, including incorrect names, Social Security numbers, phone numbers, and addresses. This has led to a major delay in home purchasing and I am a US XXXX veteran that is being taken advantage of by the inaccuracies of the credit bureaus and refusing to remove the info. 

While I was away I had my information compromised and this has led to a vicious cycle of public embarrassment, financial dependence and poor living.

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 2024-07-09 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: NC

Complaint narrative:
They are reporting information that is not XXXX XXXX compliant and they are in violation of the FCRA. All accounts and codes are included to document proof of these violation before litigation.

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 2024-07-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-09 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: CA

Complaint narrative:
This is what is sent to PayPal 's On XX/XX/2024 I sent money and it went to the wrong person for {$1600.00}. Transaction number XXXX and I caught it within XXXX hour and called XXXX XXXX number and was told their nothing they could do and I would have to contact my bank to stop payment. I contacted my bank and was told under fed law they couldnt stop a payment to PayPals. I had my banker on a XXXX way call with your company and there was nothing the front line person would help, my banker explain the fed law and she didnt know anything and didnt care when we asked for a supervisor. I dont understand why you can go to your customer and request the funds back. I have tried to call the person and they will not return my call. I can not afford to lose {$1600.00} and I dont want to get attorneys, Banking Commission and or my congressman involved. I sure Im not the XXXX  person that this has happen to and would like a better explanation and a solution on getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Someone stole my personal information and opened 2 store credit cards ( XXXX XXXX XXXX and XXXX ). There were purchases made under those two cards of almost XXXX dollars. I have been receiving mails from debt collectors asking me to pay that amount that I have no idea where it comes from

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 2024-07-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-09 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: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX XXXX NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FIRST PORTFOLIO SERVICING INC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX  [ NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio
State: NJ

Complaint narrative:
+ to whom this may concern : as of the complaint # XXXX dated XX/XX/2024 wherebyVance Huffman indicated explicitly that any and all further collection activity would beimmediately stopped, however it is now come to my attention that they haveflagrantly violated the laws of the FDCPA and FDRPA insofar they have purposelyfailed to fully delete their derogatory credit reporting entry off of my transunioncredit report. I am therefore once again and this is the final straw I am demandingthat Vance and Hufman immediately delete their derogatory listing off of XXXX  credit report AND ANY OTHER CREDIT REPORTING LISTING THAT I MAYNOT BE AWARE OF. SUPPORTING CASE LAW AND DOCUMENTATION ARE ASFOLLOWS IMPLICATING THAT THIS LOAN HAS BEEN DETERMINED TO BE ANILLEGAL LOAN AND THEREFORE VANCE AND HUFFMANN IS IN GROSS VIOLATIONOF THE LAW AND THEREFORE NEEDS TO BE HELD ACCOUNTABLE .... 
****NOTE THIS NEW COMPLAINT IS IN NO WAY SHAPE OR FORM A DUPLICATE OF ANY PREVIOUSLY FILED COMPLAINTS IT IS A BRAND NEW COMPLAINT WHICH IS ADDRESSING AN STILL UNRESOLVED CREDIT REPORTING MATTER IN WHICH vANCE AND HUFFMAN ARE FLAGRANTLY IN VIOLATION OF BOTH FDCPA AND FDRPA IN WHICH THEIR ENTRY IS STILL LISTED ON MY XXXX REPORT WHICH IT MUST BE DELETED IN ACCORDANCE WITH THEIR OWN VOLITION AND ASSERTION THAT ANY AND ALL CURRENT OR FUTURE COLLECTION ACTIVITY WILL BE STOPPED THIS IS WHERE THE VIOLATION IS CONTINUING TO FESTER ON MY XXXX  XXXX REPORT [ I AM DEMANDING VANCE AND HUFFMAN IMMEDIATELY DELETE THIS ENTRY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I received a summons to report to the XXXX XXXX XXXX XXXX, City of XXXX XXXX court on XX/XX/XXXX at XXXXXXXX XXXX LVNV Funding LLC Case Number # XXXX The plaintiff is trying to collect the sum of {$1100.00} on a XXXX  XXXX XXXX  Credit Card that I applied and was approved for in XX/XX/year>. 
I was making regular monthly payments on the XXXX XXXX XXXX  XXXX when I encountered some hardships and couldn't keep up with the payments. I did speak with a credit rep from the above-mentioned company where I could set up a payment plan. I made as many payments as I could, it became a struggle for me to make payments. 
I don't feel like that I owe this XXXX  party company any money because they bought my information from XXXX XXXX XXXX. I do admit that I owe XXXX XXXX XXXX, but if they sold my account to another company, I no longer owe XXXX XXXX XXXX  and I Do Not Owe LVNV Funding LCC. 

I had and is now currently having financial struggles. 

Thank you for your time and patience, Looking forward to hearing back from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief