vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I initially notified the consumer reporting agencies ( XXXX, XXXX, and Transunion ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account has incorrect information and the account is no longer open. This account is incorrectly reported on my credit report and is about to age off. This account needs to be deleted from 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 explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I ordered XXXX pairs of shoes from Salomonusashop.com The payment was processed through XXXX. I became suspicious when I didnt get an email confirmation, and started a credit card dispute on XX/XX/XXXX after several attempts to contact XXXX. On XX/XX/XXXX USAA requested supporting documents. I was unable to upload documents through the online portal so I called in. The agent I spoke with clarified that what had happened fell under fraud rather than dispute, so the card ending in XXXX was closed and a new one was sent. 

As the dispute process and fraud investigation proceeding the {$96.00} charge was debited on XX/XX/XXXX and XX/XX/XXXX, and credited on XX/XX/XXXX and XXXX, XXXX, XXXX. On XX/XX/XXXX, a new debit of {$96.00} appeared on the account with the new credit card ending in XXXX. I called in on XX/XX/XXXX and was told that I would need to again close the account and be issued a new credit card number. I was also told that I may need to do this a few more times before the charge stopped showing up on the account. Hearing this, I decided the account was too severely compromised to stay open. I asked that it be closed permanently and entirely, and a new fraud claim be started. 

After waiting until XX/XX/XXXX and seeing no evidence the account had been closed or a new fraud claim had been started I called in again. I was assured the account was closed and the fraud claim was underway. By XX/XX/XXXX there still was no evidence the account had been closed or the fraud claim had been started. I called in again. This time I was told that the charge on the account was actually a creditin spite of the very clear evidence to the contrary. After having this explained to me repeatedly for well over XXXX minutes, I asked that the call be escalated. The supervisor I spoke with indicated the charge had been reinstated, there would be no further action by USAA and the charge would remain my responsibility. 

In the interim a document was delivered to my online portal claiming the charge was valid because my email address was tied to a XX/XX/XXXX transaction that had not been disputed. There are no charges from XXXX on the account in question, or any other USAA account, on that day or even that year. In addition, there are no charges on the XXXX account associated with the email address anytime in XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion and spoke with the Fraud department 3 times, regarding an unauthorized XXXX XXXX inquiry. Customer service at Transunion would not help correct my file by deleting the unauthorized inquiries reporting to 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 explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/2023, I had received a call from TD Bank using their phone number. I was told that there was fraud on my account and that I had to authorize a certain amount of money so that they could put it back into my account. I was asked to give my social security number, but no login information, which means that they were already in my account but needed a way to get the money out. I was told not to check my account for 2 days so that they could work through the situation, but I found out the put all of my money from my savings into my checkings and sent it in 4 payments using XXXX XXXX XXXX. They sent themselves {$1400.00}, another payment of {$2100.00}, another payment of {$2400.00}, and a last payment of {$2400.00}. I called the fraud department of my bank and they put in a dispute claim but it was unsuccessful due to the fact that I was tricked into authorizing the first payment. I am unsure where to go from here or if I can even get the money back since they tricked me into authorizing something, but {$8400.00} was my entire savings from my first year working at my career job and isnt something I am willing to give up without atleast trying different ways to get the money back. I am willing to talk to whoever I need to, to try and help me work through this because it has been a stressful month for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX/DEPT OF ED XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I sent crypto of usdc from my one crypto wallet to kraken crypto account on XX/XX/XXXX XXXX for {$170.00} usdc but the funds which were to come with minutes as per the website, dint show up even it was an hour, i mailed and escalated the complaint with kraken customer service but its been 2 days now still my funds are not available and they have been kept on hold, neither kraken  customer support has any contact number working to reach out nor their email replies are not any where related to why they kept the hold on my funds.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Under 15 usc 1681a2 of the fcra lending companies are supposed to have my written consent as me giving my approval to pull my credit file which I never have done so there has been multiple companies who have illegally obtained my credit report and this has caused me issues obtaining credits and have left so many inquiries on my credit profile it is hurting not only my score but my profile and my ability to use my credit properly I'm asking for these hard inquiries to be removed the only inquiries that belong on my credit reports are from accounts that I have opened myself I have not given any such permission so if these companies say they had permission I'm requesting by law written proof with my signature mailed to me if this can not be done any and all inquiries must be removed by law listed below are the credit card or loan companies date of inquiry and a list of their names thank you for your Swift and decisive action as I have been dealing with this for over 2 years now I also have sent an FTC reports multiple times and done everything I was asked to do and these credit bureaus have yet to do what they're supposed to do by law aside from XXXX they were the only ones to remove fraudulent inquiries however this issue is for XXXX and Equifax companies are listed below XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure every one of these are removed and if you find their legitimate I'm requesting the proof with my signature on a contractual agreement mailed to me as per the law states if this proof can not be submitted they must all be removed thank you and I hope this is handled in a timely fashion as it has already been 2 years since I've been starting to deal with these as they have came up I am only asking for my rights to be legally followed as the law states so if there is no proof mail to me these need to be deleted if not this will be a flagrant violation at the fcra and these companies will be fine {$1000.00} per violation as the law states that I wish would be paid to me as I am the victim of this nonsense thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account has incorrect information and the account is no longer open. This account is incorrectly reported on my credit report and is about to age off. This account needs to be deleted from 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account has incorrect information and the account is no longer open. This account is incorrectly reported on my credit report and is about to age off. This account needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report. 

On XX/XX/2023 I paid {$120.00} to XXXX to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report. 

I also settled to pay Southwest credit systems {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.

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 2023-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Collection Agency ARS ACCOUNT RESOLUTION with account # XXXX. Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX  Original Amount Owed {$990.00} Amount {$990.00}. Collection Agency Removed only debt out my file but kept one of them which is affecting my credit score and not allowing me to get the best Mortgage Rates for My Home Refinance. the Clearly stated on the last Complaint that the Debt isn't mine and that it belong to a XXXX. that XXXX is my son and he is covered under his XXXX umbrella insurance Policy. up to this day the Debt Remains in my file and its affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: NC

Complaint narrative:
All XXXX of Student Loans reported by Mohela/ XXXX XXXX XXXX XXXX violating my privacy as to reporting my educational records to credit bureaus. XXXX, XXXX, and XXXX. 
Based on the Family Education and Privacy Act of 1974. My rights are being violated and i am requesting compensation for loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation