vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
I found a company that I was intersted in, but they wanted to run a credit check and when I asked would it be a hard inquiry I opt out and they still ran my credit without my consent and it keeps showing up every month along with other companies I did not apply for credit for. 
XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, Transunion refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXXXXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Initiated standard bank transfer on XX/XX/2022 from Venmo account after receiving money from someone I know in the amount of XXXX. Venmo sent an email notice and notification in the mobile app that the transfer was initiated and the expected date to receive funds on XX/XX/XXXX. Funds have yet to arrive in my bank account as of XX/XX/2022. I contacted Venmo XXXX  times ( XXXX XXXX ) and I was able to to speak with a representative all 3 times. During the second and third call, the representative stated that I should receive the funds that same evening. All three representatives stated that an email would be sent when the funds were transferred, however there was never an email to document the call or any other communication by email about the transfer. The transaction still shows as pending with estimated arrival of funds on XX/XX/XXXX. 


This is the first time having an issue with Venmo and the representatives stated that this was an internal error assured me the transaction would be completed without any further explanation or recourse should the transfer not take place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.

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 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My Daughter sent me a payment on Venmo.I went to turn that Venmo payment to my bank account which is suppose to happen in three days.I called Venmo to ask why my transfer didn't go through and the didn't give me a good reason why.It wasn't a very large amount .what I did was cancel my account with them and considered myself lucky it wasn't a sycnificant amount.I heard what was happening at PayPal through investigation and that they are under same umbrella.I filed this to bring further awareness.The amount I loss was XXXX dollars so I just cut my losses and refuse further business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/2022 I was accepted and began classes at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I apllied to have my loan deferred with Navient. I submitted for the deferment. I was denied. I was not given a explanation and received no correspondence regarding the denial and now my crdeit is ruined. I still need to have a deferment until my schooling is complete. I am attaching the form that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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:
This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
These repeated companies are checking my credit and I'm receiving repeated consistent hits of inquiries. 
I have not applied for anything nor have I given anyone permission for these companies/addresses to do so, at all. I have no relation to any of them. Below is a document- I copied and pasted straight from my credit report under inquiries. Please put a STOP to this, immediately, please. 

64+ inquiries-recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRASection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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