vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: WI

Complaint narrative:
numberous problems establishing any lines. Of credit. due to false information bein. Reported to credit bureau. placed on my account for years l tryed to remove this information from off. Credit Bureau. Have Hired credit specialists company .whom has also asked to please remove these on going these on going Disputes these companies been paid in full.. Or incorrect information that suppose be removed also these collections agencies asking for Same amount money these collections agencies request been paid. When ever l try to establish credit for houseing And Also car l Am denied. due to reporting from XXXX TransUnion report company. Due to on years Asking to delete off account l Don't owes or invalid information being reported after proven information not accurate this information still remains on credit bureau. I need house to live and a car to get area due to areas l live no transportation DENIED.

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 2024-04-18 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: FL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

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 2024-04-18 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: DE

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-18 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and my SSN has been used for personal gain and this is absolutely unauthorized and illegal. I have files an identity theft claim a few months ago and the Reference number is # XXXX. I have contacted the original creditor of the unauthorized debt, XXXX XXXX XXXX via first class mail. I received an email from that rental property, advising me to contact the agency National Credit Systems about debt. They could not provide me with any accurate information such as credit application, proof of identity, or the residential apartment agreement. I have called National Credit Systems at XXXX and, I was told that the debt was sold to another outside agency and they do not have the adequate information that I am requesting. I will litigate for defamation, improper conduct, relating to unethical business behaviors. I am being treated unfairly about this issue. I am not responsible for this erroneous debt. I have all detailed information on record for this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER REPORT!!!

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 2024-04-18 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:
THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER REPORT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am in the process of trying to buy a house and pulled my credit report and noticed unauthorized inquiries on my report so I sent a letter to the credit consumer and didnt receive any updates. I had damages on my credit report and according to the 15 U.S.C 1681 any damages on my report is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm Inc XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Account Number : XXXX Account Number : XXXX 15 usc 192c ( c ) That law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On Sunday XX/XX/XXXX I reported a numerous XXXX unauthorized transactions that I had no knowledge of. As doing so I told Venmo if they could activate a stop pay against the merchant and if they could deactivate my current debit card on file and send me an immediate XXXX  because just around the end of XXXX I had moved to XXXX XXXX, NV. During this time of multiple moves back and forth, figuring new accounts and transfers online and what not I'm not sure how my information may have gotten out to a merchant called " XXXX ''. As I mentioned before I did every in due diligence to report this matter and I was treated like a criminal.. XXXX days later on XXXX the XXXX, I got a letter stating around XXXX of the transactions were approved for refund and the other XXXX or so transactions were denied. There are so many transactions because " XXXX '' was taking multiple amounts even the same day! Different amounts and transactions and getting my work pay checks and other bonuses through the same account I was able to see in real time some of the transactions until recently when I stopped working due to a car accident on XX/XX/XXXX and I stopped officially working XX/XX/XXXX so its been under XXXX weeks and I caught these transactions! so back to Tuesday XX/XX/XXXX, I recieved that majority of the disputes were denied and a few were refundable, of course only receiving XXXX XXXX of your money back was a disappointment and I felt like contacting the Venmo accounts specialty team to discuss a appeal and to further investigate and they denied me because they need additional documentation? As primary holder I sent a call log I had from XXXX stating I had no business with that merchant, they never contacted the merchant themselves directly, and they continued to deny my appeal and disputes. XXXX mins later they suspended my account, froze my money in my account, and they didnt refund the processing claims that were approved for refund ... this is wrong as a loyal customer. I have had a similar situation like this before with XXXX XXXX  XXXX years ago and they were proven to be breaking the same exact structural procedures for these matters and the fact that as a full time Lyft driver, who pays their taxes and fees on just about everything to not have access to this account with my money sitting their is stressful and hair pulling. I need help again from a expert agency like you guys. This is not fair to hard american worker who is killing himself financially to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TN

Complaint narrative:
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NJ

Complaint narrative:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is not mine.

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 2024-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Recently, I looked at a copy of my credit report an noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I'm asking you to verify as accurate : XXXX XXXX, ( no account # reported ), Collection, Agency Transworld System Inc. 
XXXX XXXX, ( no account # reported ), Collection Agency XXXX XXXX, XXXX XXXX ( no account # reported ), Collection Agency XXXX Collection Agency Name Transworld System Inc XXXX 

The balance reporting is {$110.00} It is reporting that it is unpaid for XXXX, XXXX showing collection account and XXXX is showing the account is seriously past due/account assigned to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PLM Lender Services, Inc.
State: CA

Complaint narrative:
Company PLM claims to be new owner of a note for a loan that was bought pennies to a XXXX  trying to collect zombie loan that never sent any statements for 15 years since 2009 that i stopped paying the loan now XXXX XXXX the hard money lender is dead and this PLM lending company is trying to collect with exorbitant fees and penalties knowing we cant pay ; so that they can steal my primary home equity where I have lived all my life ; and I have XXXX  teenagers. By via foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates.

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 2024-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PLM Lender Services, Inc.
State: CA

Complaint narrative:
Company PLM claims to be new owner of a note for a loan that was bought pennies to a dollar trying to collect zombie loan that never sent any statements for XXXX  years since XXXX that i stopped paying the loan now XXXX XXXX the hard money lender is dead and this PLM lending company is trying to collect with exorbitant fees and penalties knowing we cant pay ; so that they can steal my primary home equity where I have lived all my life ; and I have to XXXX. By via foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
Commencing from XX/XX/2023, I have been in regular communication with Chacon Autos through calls and emails, addressing a grave billing error from their insurance department. Dishonorably, they have been deducting an extra {$100.00} from my account every month for not having insurance despite my consistent submission of the insurance declaration page. Disturbingly, Chacon Autos insurance department has refused to update their records accurately, leading to persistent illegal billing. I have taken drastic measures by reporting Chacon XXXX XXXX, situated in XXXX, MN, to the Texas Consumer Bill of Rights for these illegal charges. Unfortunately, the Texas Department of Insurance 's investigation has confirmed that Chacon Autos XXXX is not authorized to operate in the state of Texas. Despite my repeated requests, the representative has flatly refused to provide me with a direct contact phone number to their insurance department. Hence, my only option is to communicate with their insurance department via email.

Company response to consumer: Closed with explanation