vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-28 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: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my 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 2024-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I booked a flight and hotel on XXXX for the wrong date. I immediately called and canceled and was told my refund was completed in the XXXX of XXXX, 2024. Within XXXX days I received the hotel portion of the refund, which was approximately {$170.00}. I have contacted both XXXX and cash app. XXXX has released the funds, but cash app is claiming they dont see it and it takes at least XXXX business days. It has now been XXXX business days and XXXX  days total. I havent received the refund of {$470.00} yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my 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 2024-08-28 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: MI

Complaint narrative:
There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX  {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a XXXX balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have also never lived at the XXXX XXXX address XXXX Michigan Could you please remove that from my credit report? And I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years now

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 2024-08-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are multiple discrepancies on my credit report. I would like them reviewed and removed as soon as possible. And for some reason, I can not log into my account online so I would request that you communicate with me via regular mail. I want paper copies. 

XXXXXXXX XXXX XXXX  {$8400.00} technically, this account was open fraudulently and does not belong to me. I would request that you produce letter of the original debt ownership. In addition to that and feel free to check with your legal department if the account has been charged off, then it's has to be considered income on my taxes and federal law prohibits income from being reported on your credit report if you don't believe me or you disagree then I would like you to show me proof of why this account shouldn't be removed immediately from my credit report. 

XXXX XXXX XXXX first of all we've asked for this account to be closed permanently. I'm not quite sure why it keeps showing. It's open one month and close the next. There should be a XXXX balance there were fraudulent charges made on the account. We reported them as quickly as we noticed, and they approved half of them and didn't approve the other half even though all the transactions were with the exact same merchant in the same time frame and fraud is the exact same issue that all of the transactions are being disputed they approved half of them and didn't approve the other half makes no sense at all. They know very well we didn't make these transactions we've explained over and over again, apparently Bank has a long history of poor customer service and has even been investigated by the United States government There are also some unauthorized inquiries on my report. I have contacted the banks directly. They agree that they were Fraudulent inquiries, but claimed that the credit reporting agencies are responsible for removing those inquiries, but feel free to call the banks individually, and they will confirm that these Inquiries do not belong to me XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also never lived at the XXXX XXXX address XXXX  Michigan Could you please remove that from my credit report? And I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  years now

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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I deposited my paycheck last Friday because I have to pay some bills and Huntington bank held my check until around Tuesday morning. So I tried to move my money over to XXXX through XXXX because my Huntington debit card didnt work anymore and Huntington bank put a hold on it today XXXX after previously allowing around XXXX to be transferred on XXXX. So today they locked the account and I called gave my social security number and verified myself, however they are refusing to unlock the account and I reached out to several people regarding my account through Huntington bank. They ultimately refuse to unlock my account which is going to cause me to be even later on my bills which they should be held liable for. Can you please help me with this issue? I appreciate any information at all whether you can or cant help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
I believe the practices are deceptive and they prey on individuals with bad credit. They gave me a line of credit of XXXX and the amount keeps growing because they are deducting from my account on a biweekly basis. I guess it is my fault for being so desperate and not really paying attention but I thought my payments were monthly. For example my balance is growing day by day and my payments are XXXX biweekly and my balance is getting higher and higher everyday if I only make the minimum payment. They make it impossible to pay off this line of credit by making payments. After I realized how high I was paying I did pay it off but just had emergencies come up where I had to use it. I was attempting to try and pay it off but just had a XXXX car repair which will not allow me to pay it off and I believe these payments are going to cause great financial strain. I called the company and all they offered was to skip a payment and add it to the next payment which would just make it worse. Please look into this company and their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AL

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 Bureaus, 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 2024-08-28 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Dave Operating, LLC
State: MA

Complaint narrative:
At about XXXX EDT on Wednesday, XX/XX/XXXX my husband and I called Dave.com about a fraudulent debit card being set up in my name. The card was mailed to us and I had been a victim of identity theft a couple months ago. The initial support person we spoke with verified the address and name on the card. The phone system also verified the card number before speaking with the support rep. In order to access the account and help us further they asked for my birthdate, PII, and not only are we not comfortable handing this out to a company we don't trust, it is not information they should require for us to report fraud and have the account shutdown. We asked for their supervisor and they were initially unwilling to escalate us to said supervisor. We finally got a supervisor who continued to request all kinds of PII in order to proceed. Without a birthdate they were unwilling to assist. We were told instead that we can email a photocopy of my ID ( more PII they shouldn't have ). We informed them we are reporting the fraud and that if they continue to not assist or if anything happens as a result of the account not being shut down that we will likely be taking legal action. When asked for the supervisors boss we were told there is no one else we could speak to over the phone. 

When dealing with all of the major banks over the last XXXX months or more we have not needed to provide PII in order to deal with fraud. Willingly handing out PII to untrusted parties should not be standard practice in order to report fraud and have action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 2024-08-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: IA

Complaint narrative:
I have tried calling transunion to get these fraudulent inquiries off my credit report the inquiries are fraudulent. Here is a list of the fraudulent inquiries I need removed off of my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list I put above are fraudulent inquires that I need removed from my credit report due to the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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