vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: MI

Complaint narrative:
I am disappointed that my information has been compromised by identity theft. I am trying to buy a house for my family, and this has put a series of holes in the process. By the FCRA 15 U.S.C. 1681G, my information should be safe and secure, and I see that it is not. My information has also been involved in a breach. According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove fraudulent information on a consumer credit report if the consumer claims it was the result of identity theft within four day of receiving the information. 

The companies are following the laws and FCRA laws which is a potential liability for up to {$1000.00} per violation FCRA Section 604 ( A ) ( 3 ) FCRA Section 623 FCRA Section 605 ( c ) FCRA Section reinsertion ( A ) ( 5 ) ( B ) ( ii ) I expect a prompt response to this matter, and I urge you to address these violations to avoid legal proceedings.

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
So Levy and Associates LLC has refused to stop the bank garnishment hearing even thought they are well aware of me being enrolled in a debt counseling management plan they are welll aware and as well as they are aware that I had XXXX XXXX XXXX I am not working and my daughter has tried to reach out to them several times on my behalf because I am in a XXXX XXXX  XXXX XXXX and they will not do anything at all and I have had my daughter call several debt lawyers and they have told her that being I am enrolled in a debt counseling management plan that they need to stop the bank garnishment and they keep on refusing and I am XXXX year old man who is a veteran and who is currently recovering from XXXX XXXX XXXX in a XXXX  and I am currently not able to drive or anything I can't do nothing. I mean I wasn't even aware of this until XX/XX/year> so this is not right and they refuse to do anything so I hope you guys can help me get a resolution to this,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: MI

Complaint narrative:
I am disappointed that my information has been compromised by identity theft. I am trying to buy a house for my family, and this has put a series of holes in the process. By the FCRA 15 U.S.C. 1681G, my information should be safe and secure, and I see that it is not. My information has also been involved in a breach. According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove fraudulent information on a consumer credit report if the consumer claims it was the result of identity theft within four day of receiving the information.

The companies are following the laws and FCRA laws which is a potential liability for up to {$1000.00} per violation FCRA Section 604 ( A ) ( 3 ) FCRA Section 623 FCRA Section 605 ( c ) FCRA Section reinsertion ( A ) ( 5 ) ( B ) ( ii ) I expect a prompt response to this matter, and I urge you to address these violations to avoid legal proceedings.

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 2024-12-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I conducted a review of my credit report and identified several inaccuracies and potential violations of federal laws, including unauthorized hard inquiries, inaccurate reporting of late payments, and unverified debts. Specifically : Multiple accounts inaccurately reflect late payments, which violates 15 U.S.C. 1666 and related regulations under 12 C.F.R. 1026.13. These entries are incorrectly reported as late, despite the fact that payments were made as agreed.

Several debts are being reported without proper validation, in violation of 15 U.S.C. 1692g. I am requesting that debt collectors provide specific documentation, including contracts or agreements bearing my signature, to verify their claims. Without this validation, these debts must be removed as per federal requirements.

Numerous unauthorized hard inquiries are present on my credit report, which constitutes a breach under 15 U.S.C. 1681n for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). These inquiries were conducted without my consent and must be deleted immediately.

In essence, my rights under the FCRA and related statutes have been violated, and I am demanding that these inaccuracies be promptly investigated and corrected to prevent further harm to my credit profile and financial wellbeing.

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 2024-12-29 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: NC

Complaint narrative:
On or around XX/XX/2024. Transunion reported 4 hard inquiries was removed from my credit report in which I had not disputed at the time. They then put the 4 inquiries back on my credit report which dropped my score XXXX points. This is not the first time this has happened and is affecting my livelihood with these tactics they are using towards me as a consumer and violating my consumer rights.

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 2024-12-29 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: FL

Complaint narrative:
On XX/XX/2024, I submitted an identity theft affidavit to XXXX XXXX to dispute two fraudulent accounts on my credit report : 1. XXXX  XXXX XXXX- {$180.00} ( Account ending in XXXX ) 2. XXXX XXXX XXXX XXXXXXXX XXXX - {$300.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies are required to block fraudulent information within four business days of receiving the following : 1. Proof of identity, 2. An identity theft affidavit, 3. Identification of the fraudulent accounts, and 4. A statement affirming the items are fraudulent. Despite submitting all required documentation on XX/XX/2024, XXXX XXXX failed to block or remove these fraudulent accounts. On XX/XX/2024, they completed my dispute and provided me with a result from Equifax, but they failed to address or remove the two fraudulent accounts on my screening report. This failure to comply with federal law has caused significant harm. XXXX XXXX provided this inaccurate screening report to the apartment community I applied to, resulting in a delay in my approval and preventing me from moving into my new residence as planned on XX/XX/2024. This delay has disrupted my housing situation and created further financial and personal hardship. I request that XXXX XXXX immediately comply with the FCRA by : 1. Removing or blocking the fraudulent accounts from my file, and 2. Providing written confirmation of the corrected information to me and any third party that received the inaccurate screening report. 


XXXX - Reporting Public Bankruptcy three times. All bankruptcy being reoprted do not belong to me and need to be removed. Please provide me with an transcript in to your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hyundai motor finance has sent a a term of lease certified mail stating that because I have an outstanding balance that my lease would be terminated, with confusion I called the company speaking for XXXX different people basically telling me if I did not make a payment arrangement I can not be transfer to the proper department, I asked for a manager and thats when I was hung up on, with frustration I waited to call back the next day which after explaining that my payment history is proof of the amount of payments Ive made in the past 3 years they keeps trying to give me random dates that there was a failed payment - finally spoke to a manager which he stated there are XXXX total payments made which in 3 years there are on 37 months, he then stated the on XX/XX/XXXX is where the missing payment was and that intact is throwing off the whole system, I went ahead and sent over my chase statement stating that on XX/XX/XXXX that payment was taken from Hyundai motor finance. I emailed that to the email XXXX with the subject XXXX on XX/XX/XXXX - he stated that This has to be forwarded to another dept for further clarification and to call back that following Monday to get an update, and that everything was documented in the notes. I called back and not one person Ive spoke to has any idea what I am talking about and they need to collectee a debt before transferring be to a manager- I then got hung up on and an email sent that my payment is past due! I should not owe a payment until XX/XX/XXXX!!!! Please help!

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following ALLEGED collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$290.00}. This is a violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am trying to withdraw $ over XXXX from my Chime account, Due to transfer and check limits ( {$10000.00} daily/ {$25000.00} monthly ) there is no way for me to access my funds without multiple transactions and a XXXX wait. 

This is egregious, Chime is restricting access to my funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In violation of Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681

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 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I received {$500.00} from the sender via venmo. On or about XX/XX/year> venmo put a hold on the funds so I called the sender. The sender subsequently called venmo, verified his identity and asked for the funds he transferred to me to be unblocked. He received confirmation from venmo the issue is resolved and he is good to go ( screenshots of message from venmo to customer are available for review ). Fast forward to XX/XX/year>, the {$500.00} sent from the sender is still being held by venmo and they have also now debited my account {$500.00} + {$190.00} fee. I spoke with venmo again this morning ( XX/XX/year> ) and they told me the issue is under review. I asked for details of why my account was debited, they said no info is available. I asked if I could speak with someone, they said no one is available to discuss. I asked how long how long the review will take and I was told there is no specific timeframe but I will receive an email in the future. Considering venmo is holding the {$500.00} sent by the sender to me while they investigate, how is it fair for venmo to also debit my account for an additional {$690.00}? Unfortunately venmo is totally unresponsive when I ask them this question. Id like an explanation as to why venmo was able to deduct {$500.00} + {$190.00} from my account without seeking my permission, in accordance with regulation E. I would be very grateful for any assistance CFPB can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
On XX/XX/year>, I submitted an identity theft affidavit to XXXX XXXX to dispute two fraudulent accounts on my credit report : 1. XXXX  XXXX XXXX- {$180.00} ( Account ending in XXXX ) 2. XXXX XXXX XXXX  XXXX XXXX - {$300.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies are required to block fraudulent information within four business days of receiving the following : 1. Proof of identity, 2. An identity theft affidavit, 3. Identification of the fraudulent accounts, and 4. A statement affirming the items are fraudulent. Despite submitting all required documentation on XX/XX/year>, XXXX XXXX failed to block or remove these fraudulent accounts. On XX/XX/year>, they completed my dispute and provided me with a result from XXXX, but they failed to address or remove the two fraudulent accounts on my screening report. This failure to comply with federal law has caused significant harm. XXXX XXXX provided this inaccurate screening report to the apartment community I applied to, resulting in a delay in my approval and preventing me from moving into my new residence as planned on XX/XX/year>. This delay has disrupted my housing situation and created further financial and personal hardship. I request that XXXX XXXX immediately comply with the FCRA by : 1. Removing or blocking the fraudulent accounts from my file, and 2. Providing written confirmation of the corrected information to me and any third party that received the inaccurate screening report. 


XXXX - Reporting Public Bankruptcy three times. All bankruptcy being reoprted do not belong to me and need to be removed. Please provide me with an transcript in to your investigation.

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 2024-12-30 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$630.00} XXXX  XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX  XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX {$550.00} 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 XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2024-12-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On about XX/XX/2024 I disputed to all credit reporting agencies, of the incorrect information about money owed, on my personal loan and my two credit cards. As soon as I did that my prefect scores of XXXX, XXXX, XXXX, vanished, from my credit report. My XXXX  scores went from XXXX to were it was Unscorable, and into the XXXX, like starting me, from the beginning as a newbie. Ive had my two credit cards, for close to twenty years, with the same company, not twelve years like the agencies claims.Plus they have me as having three credit cards, not correct. I only have two. And One loan that Ive paid faithfully for over two years, they had the wrong amount owed on that too. I need this matter rectified and resolved immediately. Ive sent the three reporting agencies a letter of correction and theyve done nothing. Im concerned, as to why arent these agencies not correcting their errors. And I thought that those credit agencies were full proof.

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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had an account under XXXX, my sibling created an account and transferred {$75.00} to my grandmothers account for me. The next day, my grandmothers account was closed and when she called in about it she was told that a check would be mailed but the check was never mailed to her or me. They closed the account and required a phone number to be assisted over the phone which would not serve any good if there was no account linked to the number. It's been maybe over a year now, it has been a struggle to contact them until I figured to reach out to someone over them which is you.

Company response to consumer: Closed with explanation