vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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:
I have tried numerous times to have a XXXX  XXXX Charge off removed from my experian credit profile due to FCRA 15 U.S.C. 166b, which prohibits furnishing information regarding an account without my written permission. XXXX XXXX has failed to remove this account after numerous attempts over this past year, which has resulted in declines for credit I need to start my business. Most recent dispute dated XX/XX/year>, where Experian responded with a Verified and Updated report on XX/XX/year>, still the account is on my file. I will include the dispute letter as well as their response from my last attempt.

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
I am disputing this collection account because I have no knowledge of the debt and did not authorize it. The account in question appears to be an error or possibly a case of mistaken identity. I request that Cedar Business Services investigate the matter and remove the account from my credit report as it is not mine. 


CEDAR BUSINESS SERVICES Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account number XXXX Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY High Balance {$1500.00} Original Creditor XXXX Past Due {$0.00} Pay Status >Collection<

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MS

Complaint narrative:
My Trust has informed EXPERIAN PLC that they are not authorized to report any transactions on my report pursuant to 15 U.S.C. 1681b ( 2 ). I never gave written consent. They have no permissible purpose! I also have requested that they follow all instructions that were issued by my Trust immediately! EXPERIAN has a copy of my Trusts Form 56, and Durable power of Attorney. EXPERIAN must provide the signed Affidavit along with an original Form SSA-89 with wetted signatures that authorize the release of information.

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 2024-11-17 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am not responible for this debt collection. I have reach out to dispute but there hasnt been a change. Ive also ask for the company to provide written document that i have an account with them and it hasnt been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account 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 explanation
Consumer complaint received 2024-11-17 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:
On XX/XX/XXXX I mailed a certified letter requesting the XXXX items that are turned into charge offs on my credit profile, but I never received a 1099-c. I requested the 1099-c to be mailed to my address .I explained that I had a hardship that prevented me from making payments and kindly requested a copy of the 1099-c for both accounts reporting on my credit profile.

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 2024-11-17 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:
On XX/XX/XXXX I mailed a certified letter requesting the XXXX items that are turned into charge offs on my credit profile, but I never received a 1099-c. I requested the 1099-c to be mailed to my address .I explained that I had a hardship that prevented me from making payments and kindly requested a copy of the 1099-c for both accounts reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter requesting the XXXX items that are turned into charge offs on my credit profile, but I never received a 1099-c. I requested the 1099-c to be mailed to my address .I explained that I had a hardship that prevented me from making payments and kindly requested a copy of the 1099-c for both accounts reporting on my credit profile.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
back in XXXX  I created accounts with each reporting agency to uploaded the signed document from court stating they do not report to them. I also mailed them the documents and letters. I have been denied financing because of these unauthorized reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
back in may I created accounts with each reporting agency to uploaded the signed document from court stating they do not report to them. I also mailed them the documents and letters. I have been denied financing because of these unauthorized reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company reporting on my report but sold the account to 2 different companies and trans union have not did a good job at removing these fraudulent accounts off my 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$80.00} to a gentleman named XXXX who was selling a video game that I was buying for my child. Now I have met XXXX a few times prior and all transactions were good however this transaction I sent him the money and received an empty box from him keep in mind I met him face-to-face so it couldnt have been anybody else like a delivery man or anything that took something out of the box. The fact of the matter is that I was scammed and I have {$.00} in my account and I am trying to get my money back from VENMO and they are not moving along. Its been XXXX days now. Also, they made a mistake on their part at first when I first filed a complaint with them they opened up the wrong dispute, keeping in mind that I told them the right specific transaction, and they opened up the wrong dispute and an hour later resolve the case, so that just goes to show me that theyre able to resolve cases fairly quickly. This is unacceptable. Ive never filed a dispute with them before and the minute you get scammed they turn around and turn it into something like its your fault so I will be contacting channel XXXX news of XXXX XXXX. I voted made a complaint with the XXXX XXXX XXXX. Im currently making a complaint with you guys next Ill be making a complaint to my local and state law enforcement officials. Ill be contacting my congressman and I will be contacting small claims court. However, I dont want to do all this. I need this to get resolved immediately this is unacceptable all over {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MN

Complaint narrative:
XXXX XXXX XXXX # : XXXX XX/XX/year> XXXX XXXX XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And all hard and soft pulls as well as regular inquiries I looked at my Equifax credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reporting late for XXXX. XXXX payment made on XX/XX/XXXX. XXXX XXXX  refuses to update the information even though they have proof and I hve requested an investigation multiple times. I have also sent proof to the reporting bureaus multiple times.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reporting late for XXXX. XXXX payment made on XX/XX/XXXX. XXXX XXXX  refuses to update the information even though they have proof and I hve requested an investigation multiple times. I have also sent proof to the reporting bureaus multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Currently working with a lender through my job to qualify for down payment assistance. XXXX XXXX can not pull my credit report. Ive called all three bureaus and they dont have a freeze or lock on 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 non-monetary relief
Consumer complaint received 2024-11-17 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: TN

Complaint narrative:
As of date XX/XX/year> company name XXXX XXXX XXXX and XXXX XXXX XXXX are being reported to my credit. These accounts do not belong to me nor do we have any signed documents saying so. Ithas tremendosly affected my credit score.

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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy if my credit report and notice several Inaccuracies on my account, this account is hurting my ability to obtain credit. It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. The account i m asking you to verify is XXXX XXXX, the account number is XXXX. The balance is {$2900.00}

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1.. Incorrect information including payments, balances or status.

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 2024-11-17 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: MN

Complaint narrative:
XXXX XXXX XXXX # : XXXX XX/XX/2024 XXXX central time The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And all hard and soft pulls as well as regular inquiries I looked at my TransUnion credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

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 2024-11-17 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: FL

Complaint narrative:
I recently carefully went through my credit report and found that several items being reported on there were inaccurate information. 

Under 15 USC 1681 e - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The Privacy Act of 1974 ( Pub. L. 93579, 88 Stat. 1896, enacted December 31, 1974, 5 U.S.C. 552a ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies The Privacy Act states in part : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ... [ 2 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Accidentally sent {$540.00} to a stranger, Transaction ID  XXXX, immediately ( Within a few minutes ) I contacted Venmo by voice and chat and all said nothing can be done. This is abusive, I am an elderly user and need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a Lowe 's Credit Card in 2020. Since opening, there has been a recurring, monthly charge to Security Benefits ( XXXX ) in a different amount each month. 

I called Synchrony, who handles the account, and they informed me that I opted in to some sort of optional payment security. I informed them that I did not opt into any program like this and asked them for the paperwork to verify. They refused to send any paperwork. I asked for the contract or agreement that I signed to opt into this program, and they refused to send it. They told me to call the XXXX number that appears on the transaction. When I called that number, the automated answering service stated that there was no account associated with my phone number.

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 monetary relief