vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 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: MD

Complaint narrative:
I have sent XXXX documentations from XXXX and XXXX XXXX showing that the amounts have been paid and settled. XXXX continues to show the wrong amount. They are not doing a complete investigation as stated. This issue has happened a number of times and I would like your company to report that the credit bureaus are not doing a complete investigation as they state on their websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: KS

Complaint narrative:
Unauthorized inquiries I did not authorize these inquiries

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 2023-05-12 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Unauthorized inquiries I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
Again, Your statement provided totally goes against the Consumer Law. I also have spoken with XXXX XXXX XXXX and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from XXXX XXXX XXXX XXXX in regards to my account. I am requesting from ASPIRE the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( ASPIRE ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to XXXX XXXX XXXX XXXX WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH XXXX. I have spoken with them several times and they can not provide me with any information. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be 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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My previous mortgage company XXXX XXXX sold the account to Selene Mortgage in XX/XX/2022. On XXXX22 I received a bill from Selene Finance indicating Corporate Advance Fee Breakdown for transaction date XXXX22- {$75.00} ( Prior Servicer Corporate Advance Fee ) and XXXX22 - {$20.00} ( Property Inspection ). The Property Inspection fee was disputed and credit to my account. The {$75.00} for Prior Servicer Corporate Advance Fee is still on my account and now showing as over due. I am not responsible for fee being that I did not ask for a re-finance or a transfer of mortgage company. Any fees that transpired during this sale of mortgage accounts is solely on both companies. The account holders did not ask for a re-finance or a transfer of mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I deposited a check in to my business account with navy federal credit union on XX/XX/2023, immediately my account was restricted, I was able to call on the following business day where I was told that the check I deposited was suspected to be fraudulent or likely to be returned and after a 30 minute interrogation about the check. I was told that my business account would be permanently restricted. A week following this call I went into a branch to withdraw the funds available since I was told I would no longer be able to bank with navy federal credit union, I was turned away by the teller who called in about the release of my funds. So I called customer service and stayed on the phone an hour outside the bank. I was told by a representative over the phone who had also reached out to security team, that I should be clear to withdraw funds. I walk back into the bank and ask for the branch manager, informed her of what had taken place and I was still on the phone with the representative. The manager was asking security to leave a note on the account saying I was clear to withdraw funds. To which the security representative that was contacted replied that he was not able to notate the account. The branch representative then asked me to ask the representative over the phone to instant message her directly cutting me out of the communication. After the exchange then a note from security was place on the account stating that I could not withdraw funds. It is now XXXX and I have called several times to navy federal credit union customer service number and have been denied the right to speak to someone in security. I was told the first time that the check was still being investigated and then that changed into being told that I need to file an appeal for access to my account. I dont want access to or to back with this institution anymore but I would like right to withdraw my funds as it is starting to affect my business not having access to my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. 

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.

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 2023-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose. 

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. 

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint against PayPal regarding a limitation placed upon my account because I had disputed a charge with XXXX. The complaint number was XXXX. The complaint was as follows : ( ( I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX on XX/XX/XXXX. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX  page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/XXXX. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what??? ) ) I received a response back correcting the problem through XXXX on XX/XX/XXXX and I thought the matter had been resolved. 



However, PayPal is absolutely refusing to correct the problem on their end and I am so frustrated with these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: CA

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 XXXX XXXX XXXX XXXX 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 an 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 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: CA

Complaint narrative:
This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 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: GA

Complaint narrative:
I am writing to request the removal of hard credit inquiries that were conducted without my authorization. As a responsible consumer, I monitor my credit report regularly and recently noticed several hard inquiries that I did not authorize or expect. 

I understand that hard inquiries can have a negative impact on my credit score, and it is concerning that these inquiries were conducted without my permission. I have reviewed my records and can confirm that I did not initiate or authorize any credit applications or requests that would warrant these inquiries. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized hard inquiries removed from my credit report. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance in this matter. 


XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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