vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: MS

Complaint narrative:
This is a list of all hard inquires that are reporting to my XXXX, Transunion, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 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/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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. There are several names and addresses listed that do not belong to me. I have previously disputed these accounts and the consumer agencies claimed to have verified the information as belonging to me based on a creditor reporting the information. This has nothing to do with me and I am not required to follow up with any creditor its the consumer agencies job and I have proof that the address are not mine. I provided verification of my address and my identification to prove what I am stating.

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 2024-06-30 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: NJ

Complaint narrative:
Kindly remove these inquiries. I don't know anything about this, and the company acted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy FCU ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX  ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX and XXXX ran my credit without my knowledge on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  ran my credit without my knowledge on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
I am a victim of identity theft. there is also address and names on my credit reports that I do not recognize

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 2024-06-30 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: NY

Complaint narrative:
I am a victim of identity theft. there is also address and names on my credit reports that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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:
Please delete these inquiries. I am not familiar with them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
I am writing to seek assistance regarding an issue I have been experiencing with my PayPal account. XXXX XXXX  ago, I received a notification from PayPal stating, " After a review, we've decided to permanently limit your account due to potential risk. You will not be able to conduct any further business using PayPal. '' Since that time, I have been unable to access or retrieve my funds. 

Despite multiple attempts to contact PayPal customer support, I have only been informed that my account is under review and that I should wait for XXXX XXXX. The XXXX period has now passed, but my account remains blocked, and I still can not access my money. 

I am seeking your assistance to resolve this matter and to facilitate the return of my funds from PayPal. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Good afternoon, My name is XXXX XXXX and I am reaching out for some help regarding my federal student loans disbursement. This is not a complaint filed on my school or my loan servicer, but rather on my online bank that my excess funds were sent to. I would like to file a complaint on the banking app called Venmo. I have had recent disbursements sent to this account without any issues but this time on XX/XX/year> was different. I received my excess payment for {$3600.00} and sent some money to my boyfriend since I had my Venmo card at my mothers house and did not have access to it at that time. I had to sent multiple payments for small random amounts because it would not let me send the amount I wanted to and kept declining certain amounts. Well that same day, they emailed me and put a suspension on my account. They will not allow me to transfer my money to my linked bank account nor will they unfreeze my account. I have {$2700.00} still in my account that I have no access to. They asked me to change my password and send in a photo of my drivers license to verify identity. They told me it would be 3 days until they removed the suspension or I could use my funds. Well it has been 3 days and I have contacted them over and over again with no response and my account is still frozen. I am currently at risk for eviction because I promised my landlord this money since Im behind. I have XXXX children at home and I need to buy groceries, which I have none. And lastly I need to purchase a laptop so I can even continue my online classes since it is impossible to do solely on my mobile device. Please help me get my federally funded student money back from Venmo. They are purposely trying to scam people to keep their money. I have done nothing wrong and desperately need my funds. I do not have money for an attorney and I need information on what I can do about this situation. You can reach me by email at XXXX or by phone at XXXX thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
As detailed in CFPB complaint ID # XXXX, on XX/XX/year> I spoke to Synchrony Bank/Trust XXXX XXXX XXXX and when asked the verification question " What was the model of your first car? '' I responded with both the make and model ( accurately ), but was told that response did not match the system so I would be required to complete a multi-step verification process ( even after responding with the correct model name only ). During the multi-step verification process I provided personal information before deciding to abort the process due to multiple technical failures ( see CFPB complaint ID # XXXX ). DUE TO THE FACT THAT THIS PERSONAL DATA APPEARS TO HAVE BEEN GATHERED UNDER FALSE PRETENSE ( given the correct response to the original ID verification question ), on XX/XX/year> I spoke to Synchrony supervisor XXXX to request that any personal data that was collected before the multi-step verification was aborted be deleted from whatever system it may still reside on ( to prevent its potentially being hacked for malicious use ). XXXX responded that she did not know if any of the data was retained or in what system it may reside, and she would need to investigate and get back to me. HAVING RECEIVED NO RESPONSE after over a month, on XX/XX/year> I attempted to speak to XXXX but was told she was unavailable, so I left a message for her that I would be filing a complaint with CFPB in my attempt to resolve the issue.

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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a XXXX XXXX.. and wells fargo has been troubling me for the last XXXX  years.. I have tried everything in my power to resolve it with them and they keep asking me to call back after XXXX hours. i have done that XXXX times now.. They keep giving me the round about and troubling me. i have XXXX XXXX XXXX and i have no help.. i am visiting my daughter and i would not be back in the country, they keep creating issues for me and their representatives dont know how to talk. Help me access my account. This all started when i tried to do a simple wire transfer because i am travelling and granddaughter is getting married in XXXX  days and i am in a different country with no access to my money

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 2024-06-30 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought two XXXX XXXX  Gift Cards ( {$500.00} each ) at XXXXXXXX XXXX on XX/XX/year>. I tried to use them the second day but both of the cards were not working. So I contacted the company to investigate the case and a case number ( XXXX ) was given me at that day. I submitted all documents on XX/XX/year>. At that time, the agent told me the investigation usually takes 3-5 days but in rare case can take up to 30 days. So I contacted them again on XX/XX/XXXX again, only to be asked to wait for 30 days. Today, XX/XX/XXXX XXXX after I submitted all documents, I called them again. This time they told me it was not 30 days but instead 30 business days. The agent I talked to just kept saying it is 30 business days even though conflict information was given by previous agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Several requests over the past year have been sent to have these inaccurate items removed from my credit profile. 
I have not received any response to my requests nor has anyone tried to help me. 

I am being financially injured and I need this data removed from my file immediately. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: CT

Complaint narrative:
Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
Kindly remove these inquiries. I am not aware of them, and the company did this without my consent.

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 2024-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I want to bring to your attention that Columbia Debt Recovery , LLC is not registered as a licensed debt collection agency in the state of Florida. Additionally, my wife and I did not receive any prior notice about this collection before it was reported to the XXXX major credit reporting agencies. The report submitted lacks important information such as an account number. According to the information provided by XXXX XXXX, the details are as follows : Creditor : GENESIS CREDIT MANAGEMENT Last reported : XX/XX/year> {$420.00} Open balance Original creditor : GENESIS CREDIT MANAGEMENT Account opened : XXXX XXXX, 2024 ( 2 months ) ; Account Status : Open Type of Responsibility : Joint Remarks : Placed for collection I am confused because I did not receive an itemization date for the debt when the accounts were placed for collection with the three major credit reporting agencies XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation