vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX 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 XXXX 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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I noticed a collection being reported on my consumer report by this company with account number being XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX C - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XX/XX/XXXX - received email notice from affirm about loan with XXXX XXXX. I called at XXXX on XX/XX/XXXX immediately after receiving the email and notified them they the loan was fraudulent. They assured me the loan would not be processed and my account would be locked. I called again at approx XXXX again to verify that my dispute went thru and my the fraudulent affirm card/loan was blocked. 

XX/XX/XXXX - received email at XXXXXXXX XXXX  that the fraudulent affirm card was available even though Affirm assured me on XX/XX/XXXX that the loan and card would not be processed and the originator XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX would be notified of the fraud. 

They never notified the loan originator XXXX XXXX in XXXX XXXX XXXX Utah of the fraud. When finally speaking wuth an Affirm supervisor XXXX XXXX, he actively discouraged me from calling the originator and reporting the fraud on my own. I then asked Affirm to provide me with their FDIC number so i could file a complaint and they could not provid one, I asked for information so I could file a police report where the crime occurred and they could not provide that information. I asked for phone logs because loan approvals are verified using multifactor authentication and they would not provide that information. I asked for the email explaining the data breech that took place earlier this month XXXX, XXXX and affirm would not provide that. In my opinion, because XXXX is not an FDIC insured entity, Affirm acquires no risk with regards to these loans and therefore actively profits from the administrative policy and limiting information to their customers regarding fraudulent charges and loans approved in their names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX cm - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX C - XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Once you have deleted the hard inquiry from my credit report, please send me a copy of my uploaded 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 explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I reported a dispute to PayPal. I ordered a XXXX XXXX XXXX on XXXX, but was unable to see that I could not eat any of those meals until after I paid ( as they dont make the menu available in advance ). I then canceled that same day XXXX. They still charged my card on XX/XX/year>. I reached out to them but there was no response. I then issued a dispute. They claim it was not canceled ( even though I have an email of such ) and they claimed that they shipped it but they have no shipment ID or proof of shipment. 

PayPal closed it without any notification, option of appeal, or even showing that they shipped anything

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My auto loan XXXX with XXXX XXXX has been with this bank for the last few years. I have reached out to inquire why my personal credit report is not showing any balance update or On-time payment history since XXXX of XXXX I have simply been directed to submit a dispute via reporting agencies vs a direct answer from the bank. The NON updated information has affected my personal credit score as my credit utilization is inaccurate and payment history which has resulted in an inaccurate score and led to less likely approvals for any credit applications. I would like for XXXX to promptly correct said information.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My auto loan XXXX with XXXX XXXX has been with this bank for the last few years. I have reached out to inquire why my personal credit report is not showing any balance update or On-time payment history since XXXX of XXXX. I have simply been directed to submit a dispute via reporting agencies vs a direct answer from the bank. The NON updated information has affected my personal credit score as my credit utilization is inaccurate and payment history which has resulted in an inaccurate score and led to less likely approvals for any credit applications. I would like for XXXX to promptly correct said information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They closed my account for supposed fraud. They never reached out to me about any information regarding my account. I didnt not report anything to them as my account was in good standing. I did not ask for my to be close nor did I give any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I set up my Macys account to automatically pay the minimum due. The first two payments were fine but then they started withdrawing XXXX payments a month and not crediting these payments to my Macys account. ( see page 3 for a list of dates and payments ) I first called and disputed the charges in XXXX. They asked me to send them a copy of my bank statement. I first faxed and then mailed it. I received an call after that. First they asked me to get an ach report on these payments. I called my bank ( chase ) and was told only the requesting bank can supply that. Which would be Macys or Citibank. So I called Macys and was told I needed a transmittal report. I called chase and they had never heard of such a report and had no further information they could provide me to give Macys. They said my bank statement should be all they need. There has been XXXX payments withdrawn from my checking account that were never credited to my Macys account totaling over {$270.00}. I have spent 5 months jumping through hoops for macys only to have my dispute claims repeatedly closed with no resolution! 
I just received a voicemail from Macys asking me to provide them with the information on where this money went! How can I possibly provide them with information the only have access to?

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 2024-07-28 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: PA

Complaint narrative:
I sent a dispute to experian regarding an inaccurate and incomplete account on XX/XX/2024 and to date I have not received the investigation results. This account was closed but on my experian report there is no close date being reported or close status being reported to the payment history section. On the experian consumer report there is a legend for closed but it is not being used for this account and instead a charge off status is being reported on a monthly basis. This results to both inaccurate and incomplete information. Pursuant to section 611 ( a ) ( 5 ) of the FCRA, this information is incomplete, inaccurate and I demand that it is promptly deleted.

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 2024-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was victim of identity theft and never got the chance to resolve the problem

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 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year> Americollect Inc XXXX XXXX XXXX XXXX, Wisconsin XXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
XX/XX/2024 WorldRemit money transfer from the app to my bank account in the XXXX. I have called the customer service many times and they always say there is an error or internal issue with the local partner. I spoke to the XXXX of the customer service team she has done nothing and can not resolve the issue. This is more than XXXX days from the receipt and according to it I can file a complaint for a refund. The WorldRemit has been keeping my money. The app is still saying processing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
I sent a dispute to Transunion about a XXXX or XXXX ago and I have not received a response. I am filing a complaint today because this information is damaging my credit rating, credit standing, and credit capacity and I am demanding that the information is promptly deleted. I am unable to verify the reported balance as I have never received a deficiency document from these furnishers pursuant to XXXX XXXX XXXX XXXX as stated in both federal and state XXXX law. In the dispute letter I asked Transunion to request that the furnisher provide this information and send me a copy before completing the investigation. According to the FCRA and XXXX XXXX, furnishers of information must follow certain procedures and requirements in order to comply with with their duties. Currently, these furnishers incorrectly furnishing information to my consumer report which violates the laws set forth by the FCRA. Delete these accounts from reporting immediately.

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 2024-07-28 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX 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 XXXX 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief