vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
Our mother passed away in XX/XX/XXXX. We made payments on her car during probate. When probate ended we worked with the lawyer to transfer the title and loan. We completed paperwork in XX/XX/XXXX. Honda Financial Services uploaded blank documents instead of completed forms. Resent paperwork in XX/XX/XXXX. Honda Financial said that they would process the paperwork. Sent additional paperwork that was not disclosed originally to the wrong address. 

We were finally able to have them email the documents after repeatedly saying that they could not email the documents. We got them notarized and submitted. Followed up with the company. They have received the documents weeks ago and will still not submit to the DMV for registration. Every time we call, Honda Financial Services says they will " expedite the request '' we call back and they still have not done anything on the case. This has been going on for two weeks since they said it would be 3-5 business days. 

The car registration is expired, we continue to make payments, insurance payments and car storage on the vehicle while they are unable to process a request we were told would only take a few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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 2024-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Two months ago, Venmo took money, overdrafting me, from my bank when I had a balance ( at least 2x ). 

I thought it was my fault until a later phone call disclosed venmo update changed settings and authorizations. 

I notified my credit union, who did nothing, and tickets still shows under review. 2x Early XXXX, it happened again this time to my XXXX  account 3x. This is when I contacted venmo and was guided to a hidden setting under businesses, that authorized payments to specific vendors ( XXXX ) to bypass user authorized app settings for payments. No compensation, was told you had access to the setting thanks for calling, glad we could assist you today, is there anything else? 

Just got notification of 3x more, overdrafting my XXXX account for at least 3x more as they separate the payments from the tips so a {$10.00} purchase just cost {$100.00}. 

I have disabled the venmo, but would like restitution as I'm on a fixed income and this is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2024-10-10 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-10-10 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: OK

Complaint narrative:
Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and I am now urgently requesting the removal of these accounts from my report. Their presence is causing me significant stress and does not reflect my true credit history or financial management. If this can not be resolved, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> & XXXX XX/XX/year>

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: CO

Complaint narrative:
Inn violation of the federal fair credit reporting act, XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on XXXX XXXX XXXXXXXX XXXX XXXX. The report of a late payment of 30 days in XXXX on an account from XXXX XXXX XXXXXXXX is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.

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 2024-10-10 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: CO

Complaint narrative:
Inn violation of the federal fair credit reporting act, XXXX XXXX XXXXXXXX, XXXX, Equifax, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on XXXX XXXX XXXXXXXX XXXX XXXX. The report of a late payment of 30 days in XXXX on an account from XXXX XXXX XXXXXXXX is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm filing this complaint myself about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I'm asking for your help to fix this quickly and effectively.

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 2024-10-10 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: FL

Complaint narrative:
My consumer report shows accounts tied to identity theft that I never approved in writing or with a wet signature. I recently contacted you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries have caused me serious distress and misrepresent my credit history. If not fixed promptly, I'll take legal action to protect my rights. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.

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 2024-10-10 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " XXXX XXXXXXXX XXXX XXXX ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show XXXX XXXX XXXX XXXXXXXX '' and " JPMCB Card '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the XXXX off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " Wells Fargo Card Ser ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show " XXXX XXXX XXXXXXXX '' and " XXXX XXXX '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the Wellsfargo off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much

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 2024-10-10 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: FL

Complaint narrative:
My consumer report shows accounts tied to identity theft that I never approved in writing or with a wet signature. I recently contacted you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries have caused me serious distress and misrepresent my credit history. If not fixed promptly, I'll take legal action to protect my rights. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.

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 2024-10-10 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: PA

Complaint narrative:
I am disputing several inaccuracies on my credit report that are adversely affecting my credit score and financial standing. 

Account Discrepancies : XXXX XXXX XXXX. : This account is reported as a " XXXX XXXX '' by XXXX credit agency, while another agency lists it as XXXX XXXX XXXX I demand the immediate deletion of the inaccurate reporting. 
Payment History Issues : XXXX : The payment history is incorrectly marked as " Collection '' from XX/XX/XXXX to XX/XX/XXXX, while another report shows it as " On Time. '' I request the deletion of the incorrect " XXXX '' designation. 

XXXX XXXX XXXX : XXXX report shows a balance of {$52000.00}, whereas another states it as {$26000.00}. Additionally, it indicates a XXXX late payment for XX/XX/XXXX, while another report shows it as XXXX XXXX XXXX XXXX I demand the deletion of these inaccuracies. 

Account Number Errors : XXXX XXXX XXXX XXXX : Inconsistent account numbers are reported across agencies, which could lead to confusion. I demand the deletion of the inaccurate account numbers reported. 
The payment history for XX/XX/XXXX is inaccurately marked as XXXX days late in XXXX report, while another indicates it was only XXXX days late. I request the deletion of the incorrect reporting. 

I have compiled evidence, including copies of my credit reports from different agencies that highlight these discrepancies. I am demanding the immediate deletion of these inaccuracies to protect my credit profile and ensure accurate reporting moving forward.

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 2024-10-10 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: NY

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-10-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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 explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I contacted Transworld Systems XXXX regarding an account ( XXXX ) that was assigned to them on XX/XX/year>, with a reported balance of {$180.00}. This bill is originally owed to XXXX XXXX Texas XXXX. I have requested multiple times for proper verification of this debt to confirm its legitimacy but has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
I'm filing this complaint myself about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I'm asking for your help to fix this quickly and effectively.

Company response to consumer: Closed with explanation