vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My personal info was used on dark web by unknown sources

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX 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.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I discovered in XX/XX/2023 that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX pulled my XXXX credit report on XX/XX/2023 without my knowledge or consent in person by phone or email. I further discovered that on the same day XX/XX/2023 my personal credit information was submitted to 4 different auto lenders XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/2023 XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how this company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This was a scam calling about getting a prepaid PayPal account caught up saying we were behind went down and bought a gift card and XXXX gift card to give to them. It was all a scam. We found out later been on the phone with XXXX support they created a case, they said Im gon na need to get some type of report or number to give to them. We immediately stopped. The gift card has not been used yet, but the funds are still on there but unable to retrieve them if theres any questions please feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: UT

Complaint narrative:
In XX/XX/XXXX I purchased a used XXXX XXXX. Later that year in XXXX, I co-signed for my younger brother, XXXX XXXX, to purchase a XXXX XXXX XXXX. All payments for the XXXX were paid by my younger brother, and he paid off the loan. Because I surrendered my XXXX, although on a separate loan, XXXX XXXX will not release the title for the XXXX to my brother. I think this is wrong, since he did complete the loan and make all payments. As I said, these were not on the same loan, and my decision to surrender the XXXX should not impact my brother 's ability to trade in or sale the car that he paid for.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my report with your company and I would like for you to remove the previous addresses. I no longer live at those addresses and I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
There are several accounts listed from XXXX XXXX that according to the IRS publication Topic # 431 should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 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. These accounts are being updated on a monthly basis even though they became income in the month of XXXX XXXX The accounts in question are : 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 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 2023-09-23 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: CA

Complaint narrative:
There are several accounts listed from XXXX XXXX that according to the IRS publication XXXX # XXXX should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 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. These accounts are being updated on a monthly basis even though they became income in the month of XX/XX/XXXX. The accounts in question are : Account name : XX/XX/XXXX Account number : XXXX Account type : Revolving account Date opened :XX/XX/XXXXStatus : Charged Off Date Charged Off :XX/XX/XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name :XX/XX/XXXX Account number : XXXX Account type : XX/XX/XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Overdraft Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$4900.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$2000.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a debt validation letter in XX/XX/2023 I'm going to attach the first page and then they sent me a bill I attached the first page of the letter I sent it certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am listing accounts 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 has hurt 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 2023-09-23 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-23 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I sent formal complaint to the three credit bureaus XXXX, Equifax and XXXX requesting all documents be sent to me to verify this account on my report. 
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 SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
Hello XXXX, I have taken all paperwork to the bank and they still stated that they can not help me get the funds back to the and account. 
They are legally not allowed to go into another bank account and retract funds. 
They stated that this should reclaimed back from where the funds came from and that then re-disbursed. 
I will also be letting the Financial Consumer Protection Bureau, know the outcome. 
I would like to get more help with this until it is resolved. 

Can they reclaim it and send out a paper check? 

Thanks XXXX XXXX Sent from XXXXXXXX XXXX  for XXXX On Monday, XX/XX/2023, XXXXXXXX XXXX, Advocacy - XXXX XXXX XXXX wrote : Good Morning Thanks for the reply, I sent you the XXXX statements on your Way To Go card. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Way To Go XXXX XXXX Program Tel : XXXX XXXX XXXX XXXX  Program From : XXXX XXXX XXXX Sent : Saturday, XX/XX/2023 XXXX AM To : Advocacy - XXXXXXXX XXXX XXXX Subject : [ XXXX ] - Re : Way To Go Immediate Attention Required This email is from an external source. Use caution responding to it, opening attachments or clicking links. 

Hello XXXXXXXX XXXX XXXX  waiting on the statements we talked about in our conversation. I need these papers to be able to go to the bank and get my funds back. 

Please send. 
Thank you Sent from XXXX XXXX for XXXX On Wednesday, XX/XX/2023, XXXX AM, Advocacy - XXXXXXXX XXXX XXXX wrote : My name is XXXX and Im a Cardholder Advocate with the XXXX program. We recently received your inquiry, which was forwarded to us by our partners at XXXX, regarding your Way2Go Debit MasterCard. We attempted to contact you before with no results. Please provide a good telephone number where I can reach you. You may also reply to this email to contact me so I can assist you with your escalation request as well. 

Respectfully, XXXX Advocate XXXX Advocacy Group Way To Go Debit Card Program Tel : XXXX XXXX Debit Card Program Here is the interaction that was done with this program. I went to bank as asked and have again been told that they can not legally go into another bank acct and retract funds. That the the funds need reclaimed and resent. The manager also said that they can send a paper check. 

So I am making new complaint to keep this escalate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The following companies have asked for credit information AND I have not asked for credit or anything. When I called these companies they say it wasnt them. The following companies & dates follow XX/XX/23. XXXX  XX/XX/23. XXXX  XX/XX/23 XXXX XXXX XXXX XX/XX/23. XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates recently reported a debt of {$680.00} on my consumer report without notifying me and providing the necessary documents which the Fair Debt Collection Practices Act Requires for them to provide before reporting. Ive recently sent a letter certified mail. If they can not provide what Ive requested the account must be deleted immediately. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
-My student loans were in forbearance with UASConnect until XX/XX/XXXX. 
-Initial payment selecting their " Pay the total amount due '' option was made on XX/XX/XXXX. 
-A payment was made for the loans due XX/XX/XXXX on XX/XX/XXXX which was returned. 
-A subsequent payment, again selecting the " Pay the total amount due '' option was made on XX/XX/XXXX. 
The next payment, again selecting the pay the total amount due option was made on XX/XX/XXXX. 

UAS reported one of my loans as past due for over 30 days, even though this loan was paid each month in full on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX respectively. 

In the attached documentation I have provided an example of this, where full payment was made on XX/XX/XXXX yet their website still reports {$5.00} being due. No matter how many times the {$5.00} is paid, the " amount due '' remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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 am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of 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 2023-09-23 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: MS

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. 


I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Without any fraudulent inquiries, be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

I have attached my driver 's license, social security card, utility bill, and identity theft report.

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 2023-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I made the payment a month early, and was charged {$5.00} a day I career for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Employer purchased a prepaid Vanilla Visa gift card for {$250.00} at XXXX in XXXX on XX/XX/XXXX, on XX/XX/XXXX the card was used fraudulently by someone else in XXXX at XXXX. I have tried to contact XXXX and XXXX. XXXX won't help me. XXXX tried to start an investigation on XX/XX/XXXX but when I call, the call is disconnected, the quality of the call is poor and you can't hear the representative on the other line. After reading reviews, there are thousands of people that have been defrauded by XXXX. Their customer service is non-existent and I would like a replacement card.

Company response to consumer: Closed with explanation