vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc.
State: GA

Complaint narrative:
On XX/XX/2024 I mailed via registered mail return XXXX  receipt to XXXX XXXXXXXX, a dispute letter regarding inaccurate and incorrect information being furnished to my consumer report. It's been over thirty days and TOMOCREDIT INC has FAILED to RESPOND. The inaccurate and incorrect furnishing of this Information has had a grave effect on my family and livelihood. This Company is bound by law and has a DUTY to furnish accurate and correct Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I requested written validation of the debit. They responded with a form letter that stated they had an electronic copy of it but they did not produce it and have not produced it to date. I asked for the contract to be followed with a request for arbitration at their expense per contract. They have reported this to credit agency 's with providing either request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX 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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I would like to draw attention to the lies and misinformation that Shellpoint provides on numerous occasions. Please see the attached response from them. Some things of note : 1 ) Their timeline does not include all the details of pour interactions nor the interactions between the XXXX XXXX and Shellpoint where all the documentation and backup was provided. 

XXXX ) Shellpoint talks about losing payment through XXXX. These are their words and they are inaccurate. First, we paid by check, which they lost, yet we provided the cleared check with he stamp from their proven account. These are facts. 

XXXX XXXX Shellpoint has lost payment through TWO mechanisms. Online XXXX XXXX AND check. This is not a coincidence. 

XXXX ) XXXX XXXX from Shellpoint said our bank statements with personal information redacted was fine in writing. Now they are trying to say we didn't send them. This too is a lie on multiple fronts. We made XXXX XXXX aware in writing they had lost our information before and he said it was fine. If he had another ask, he never asked it. Further, these statements were provided by XXXX XXXX from XXXX to Shellpoint as confirmed by XXXX. So again, this is a lie. Finally, we said we're happy to send the full statements YET AGAIN, however, we want them sent to an executive, by name who has top personally sign for them. Not a low-level person or a general inbox, but an executive. I want them to personally sign given all the personal information they lost. 

XXXX ) they claim we haven't provided proof of payment but we did send the check and the statements showing the funds leaving and not coming back. We expect the check payment reversed. It's clearly stamped with the Shellpoint account.

6 ) We have asked MANY times now of XXXX that we want to be sent THEIR wires testaments for amounts on those dates. That keeps getting refused. Their letter says I have a right to " request documentation ''. I am exercising that right and they refuse. Show me all wires, from XXXX, on those dates for those amounts. If any come from XXXX on the XXXX XXXX, Shellpoint is either lying or made a massive mistake and are covering it up. It's simple, show we the XXXX wire logs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: LA

Complaint narrative:
I just checked and reviewed again my Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. please remove these accounts from my 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear Equifax, Please be reminded that under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), reporting agencies should only furnish reports for non-consumer initiated credit or insurance transactions if the consumer gives authority or if it contains a firm credit or insurance offer. Also, records of such inquiries must not be provided unless specified in 1681g ( a ) ( 5 ). Here are the inquiries that follow. 

XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX, XXXX Important dates Inquiry date XX/XX/XXXX I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. Looking forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-13 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: GA

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-13 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have 2 prepaid American Express Gift Cards in the amount of {$100.00} each. 
I checked the balances at amexgiftcard.com and they both show full balances of {$100.00}.

I have screenshots. See attached. 
I have tried to use these cards online at XXXX, starbucks.com, and verizonwireless.com. I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 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: MI

Complaint narrative:
Dispute results clearly states '>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX '' -- -- Even with this proof Company has failed to investigate and has incorrectly reported file knowing they have a paper, digital and online copy 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 2024-05-13 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TN

Complaint narrative:
I have contacted Transunion and notified them of a fraudulent account due to identity theft. They have refused to block the information according to 15 USC 1681. Transunion is utilizing my information without my consent. this is a violation of 15 USC 1681B permissible purpose. I am the registered owner and beneficial owner of said name and XXXX XXXX XXXX XXXX XXXX I have also reported to the FTC identity theft website these fraudulent activity the complaint number is XXXX XXXXXXXX. This has violated the federal law 15 USC permissible purpose. This is also a violation of the 1974 privacy 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 2024-05-13 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: KY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Someone not authorized accessed my account, and a bank employee permitted it in spite of this person 's sketchy story, so the bank chose to close it. There was money in it, but I'm not even sure at this point how much. I got a refund of about {$1000.00} for money in the attached checking account, but not money in savings, which should have been substantially more. 

I called many times, but just kept getting transferred around to different people, everyone saying it wasn't their department. I would be on hold for over an hour when it was done, and it usually terminated with the call just being dropped. 

I heard about what sounded like a class action lawsuit for people having a similar problem with this bank, which had recently made several changes -- I looked into joining, XXXX XXXX did not work out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  bankruptcy XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

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 2024-05-13 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: FL

Complaint narrative:
Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  bankruptcy XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a collection notice from Penn Credit regarding an unpaid debt for Penn XXXX XXXX XXXX The amount in question is {$1300.00}. I called Penn Credit and explained that my name is the same as the debtor but it is not me. The services provided were for a property in XXXX PA during XXXX. I have been living in XXXX  since XXXX and I have never lived in the XXXX XXXXThe representative asked me to send an email explaining the mixup to Penn Credit 's Compliance dept which I did. I included a copy of my drivers license and a proof of Florida residence. I also filed a police report with the XXXX XXXX XXXX dept here in XXXX XXXX FL. I called the agency today and they have not taken my name off the account. 
The credit agency did not have any social security number associated with the debt. 

I also XXXX  the property in XXXX and found that an individual with my same name owned that property in XXXX and has subsequently sold it. His work information was also available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I initiated a request to withdraw Bitcoin and Ethereum ( at time of writing together approximately worth XXXX XXXX ) from my Venmo account several times from XXXX XXXX XXXX XXXX XXXX. Despite repeated inquiries, Venmo has not provided a clear timeline for resolving the issue affecting these transactions. Each time, I received vague responses and was given the runaround without any concrete resolution or timeframe for when the bug will be fixed. This ongoing issue has prevented me from accessing my funds in a timely manner, and I am seeking a definitive answer and resolution from Venmo as soon as possible.

Company response to consumer: Closed with explanation