vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  {$370.00}

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 non-monetary relief
Consumer complaint received 2024-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
RE : XXXX  Block Request Dear Sir or Madam, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: NC

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-22 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: NC

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I use ( used ) my Venmo account to have a weekly payroll check direct deposited. On XX/XX/year> the deposit amount was {$1100.00} at XXXX XXXX  Central time. Between XXXX XXXX  and XXXX XXXX  there were XXXX different transactions made through my account fraudulently and came to the amount of {$1000.00}. 
When I logged in to check to see if the deposite was made and for how much, my account had XXXX dollars and some change. There were debits in the amounts of : XXXX {$21.00} XXXX {$51.00} XXXX {$50.00} XXXX {$20.00} XXXX {$11.00} XXXX {$30.00} XXXX {$16.00}. The first of many calls to Venmo customer Service I canceled my card and filed a despute for each of the fraudulent charges. Venmo approved XXXX of the XXXX charges for a refund and denied the other XXXX. Venmo said they would do a " full investigation " and that it could take up to 10 business days. When I called the 2nd time because of confusion as to why some desputes were approved for a refund and the others denied ; even though they were all made by XXXX*, we filed an appeal for the denied transactions. After a week or so those that we appealed were denied again and the case was closed for the remaining transactions. They told me that since I logged in right before the deposite hit and then not long after that it seemed suspicious and that only the account owner ( me ) would've known the time when to orchestrate the transactions and that's why they were denied. No investigation was done as far as im aware because they accused me of hacking into my own account and stealing money from myself and an investigation wouldve shown it was from a company that i am not, nor have ever been associated with. This is absurd not to mention insulting!! I have over XXXX emails in correspondence to this matter, XXXX different people are " takeing it from here '' but nobody has refunded the rest of my money and now my emails are just being ignored. 
{$1000.00} was stolen, {$400.00} has been refunded and that leaves {$670.00} left owed back to me. 
I also made several attempts to XXXX* in regards to getting this resolved but haven't had any luck in doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$400.00}

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 non-monetary relief
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting 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 explanation
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-23 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: CA

Complaint narrative:
XXXX in response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number XXXX XXXX XXXX XXXX 


Subject : Request for Valid Contract and Debt Verification Dear XXXX  Account Safety Team, I am writing in response to your recent communication regarding loan XXXX. While I appreciate your reply, I must reiterate that the documentation you provided does not constitute valid proof of debt. 

The document lacks my name and signature, which are essential for establishing any agreement on my part. Additionally, the address associated with this account ( XXXX XXXX XXXX, XXXX, CA XXXX ) is an office suite , and I have never lived there or visited. This means that any claims regarding my responsibility for this debt are unfounded, as the address could belong to anyone. 

For the past six months, this inaccurate reporting has severely impacted my credit. The lack of proper documentationspecifically, my full name and signatureraises serious concerns about the legitimacy of this loan. Moreover, it appears that the loan has passed through multiple hands, from the original lender to a third-party company, making it unclear who is ultimately responsible for this debt. 

To comply with the Fair Credit Reporting Act ( FCRA ) and my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally request a copy of the original loan contract bearing my signature. This documentation is necessary for me to verify my responsibility for the alleged debt. 

Until such documentation is provided, I dispute the accuracy of the information being reported to the credit bureaus and request that the account be marked as disputed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-09-22 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: GA

Complaint narrative:
I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. 
I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. It is evident that your original verification, attributing the information to the court, was either an error or a misrepresentation. Regardless, the information does not meet the reporting requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 USC Section 1681 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-22 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXXXXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$150.00} ( XXXX XXXX ) XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XX/XX/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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had consistent issues with Comenity Bank with my TORRID credit card every month when trying to pay my bill. I have various credit cards but never have I had such issues with a website. I have been trying to log in for an hour to pay my bill. I'm a busy mom, on a tight budget. Today is the last day to pay before it is late but I had to wait for my husband 's check to go through. I have video proving how difficult it is to log in to pay my bill. It kicks me out every time I try to pay my bill and when I try logging back in, it claims my information is wrong. I have attempted to log in about XXXX times and still, not working. I moved from my cell phone to my laptop just in case there was some issues with my phone. I cleared the cache in case it was stuck. But I can login to other websites and actually made other payments. This bank is shady and the interest rate almost quadrupled even though I have good credit. They are taking advantage of the consumer and we need help to deal with their shady business practices. Consumers be ware and do not sign up for credit cards that are offered by Comenity Bank. They are scammers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

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 2024-09-22 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: SC

Complaint narrative:
XXXX XXXX XXXX | Personally Identifyable Information XXXX XXXX XXXX XXXX | Confidential Information XXXX, SC XXXX | Social Security : XXXX XXXX | Date of Birth : XXXX XXXX XXXX XXXX Cell | Account # XXXX US BANK XXXX XXXX XXXX XXXX XXXX, Minnesota, XXXX The reason you have received this written communication is to detail the events that have recently occured between your federally insured institution and myself regarding account titled in my name XXXX XXXX XXXX with account number XXXX. 

WHEREAS : Account Number XXXX was titled to XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 

WHEREAS : Account Number XXXX was charged a pre-authorization from XXXX on XX/XX/XXXX Debit Purchase on XXXXXXXX XXXX XXXX REF # XXXX Ref Number : XXXX for {$15.00} This charge was a pre-authorization not an actual purchase and after an investigation by XXXX XXXX XXXX in XX/XX/year> It was determined and communicated to the institution, USBANK. 

WHEREAS : USBANK, possessing communication that this matter was under dispute still assessed a fee and sent the matter to XXXX different collection agencies to collect on a balance that they knew or should have known was under dispute and subject to an internal investigation by their frauds team. USBANK refused to discuss the matter with me, and I had to deal with their internal collection department, and they kept referring me to external collection agencies, but the simple fact of the matter is that none of these agencies had ever sent me a docket letter also known as a XXXX Letter. If there should have been properly served, which it was not. 

WHEREAS : I was never mailed XXXX Letters also known as docket letters I was never aware that the matter was being dealt with by a XXXX  party until I was informed through XXXX. XXXX is not supposed to be used as a intimidation agency they are a boutique credit reporting agency serving the banking industry and their decision-making process. Therefore, they are supposed to deliver accurate information to their subscribers and are supposed to produce and maintain information as regulated by various laws such as Fair Credit Reporting Act and Fair Debt Collection Act ( Title 15 USC ). Called again 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX XXXX Also Known As : XXXX, XXXXXXXX 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