vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 2023-08-28 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: GA

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/XXXX  and I noticed that this Inquiries had been made

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a balance of {$780.00} in my Venmo account. Venmo, without notice, froze the monies in my account and it is all the money that I have. They are telling me it will take up to 10 business days to release the funds in my account. I have uploaded the requested documents and have been more than forthcoming with Venmo. I belive Venmo is stalling so they may collect interest on the account please help me recover my funds that are stuck in the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello My name is XXXX XXXX and my company 's name is XXXX XXXX XXXX registered in California. My business email was hacked and as result i was defrauded $ XXXX.The scammers pretended to be my vendors duped the emails and made me transfer funds in to fraudulent accounts. 

Iam a CHASE BANK customer and the fraudulent transfer was also to CHASE bank. 

The CHASE BANK HAS REFUSED TO HELP ME BECAUSE ACCORDING TO THEM THE TRANSFER IS POSTED AND THEY CAN NOT REVERSE OR REIMBURSE ME THE AMOUNT. 

Its a very large amount and i can not afford to loose so much money as a single mother of XXXX  young children. 

I have already filed police report with the local police station and they suggested to file it with FTC as well. Looking forward for your response. Really appreciate your help. 






Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiry : XXXX XXXX, Experian, XX/XX/2023 I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2023. 

I never authorized such action and this constitutes a violation of my rights and should be removed.

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX through Credit Acceptance corporation last XXXX, XXXX. On XX/XX/XXXX the car stopped working while I was in it. A mechanic diagnosed the car with having an illegal gps starter disabling device on it and this was the cause of it not working. I contacted both parties the dealership and the finance company, XXXX XXXX  and Credit acceptance. XXXX XXXXXXXX told me that they dont use gps trackers and I should contact Credit acceptance. Credit Acceptance told me that they dont use gps trackers either and I should contact the dealership. When shown pictures of the gps device the dealership said they didnt put it there. I told them if they didnt they shouldve removed it before selling me the car. They said they werent responsible for removing it. Credit acceptance hasnt responded to me in over a week. Only saying they dont use gps devices anymore. Every time I call they say my case is being reviewed and someone will be in touch. I feel there is some shady dealings happening and they are both working hand in hand with each other.

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 2023-08-28 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I have been trying to resolve with Goldman Sachs since XX/XX/2023. On this date, I disputed a charge of {$66.00} from XXXX XXXX. However, on XX/XX/XXXX, I was informed that the charge would remain on my account. 

In response, I requested the case to be reopened on the same day. On XX/XX/XXXX, I provided additional evidence, including confirmation from the merchant that the transaction was unsuccessful. Despite this, on XX/XX/XXXX, Goldman Sachs maintained that the charge would remain on my account. 

On XX/XX/2023, I once again requested to reopen the case and provided further information to Goldman Sachs. Yet, on XX/XX/2023, I was informed again that the charge would remain on my account. 

I escalated the matter and spoke to a supervisor named XXXX. She informed me that they had not received any documentation from the merchant to support my claim for the {$66.00}. XXXX also stated that I had not provided evidence that the reservation was cancelled. I clarified that there was no cancellation because both the merchant and the website confirmed that the transaction was unsuccessful. 

Recently, I informed the merchant that Goldman Sachs confirmed the transaction went through on their end. However, the merchant has refused to respond to my communications. It is also worth noting that Goldman Sachs has refused to take into account the confirmation from both the merchant and the merchant 's website that the transaction was unsuccessful. Instead, they are solely accepting the merchant 's terms and conditions. 

Despite providing screenshots as evidence of the unsuccessful transaction, Goldman Sachs has refused to refund me for services that were not rendered. I believe this to be an unjust situation and I am seeking your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX : Timeline and Evidence sent to Goldman Sachs on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I am reaching out due to an inaccuracy on my credit report for account XXXX. It is showing this account has been charged off as of XX/XX/2020. They received a tax write off and I should not have this debt reporting on my credit profile. According to the Internal Revenue Service ( IRS ) guidelines, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, reporting the cancelled amount as income.I have disputed this with the bureaus and they have not helped me remove this from my credit profile. I did ask for them to send me any forms or any documentation that they have the right to report this as a debt. None has been given.

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 2023-08-28 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC.
State: MN

Complaint narrative:
My mortgage was purchased by Arvest Bank from XXXX. They soon forced me to purchase flood insurance. Even though XXXX was not forcing me too. I have supplied them with a LETTER OF MAP REVISION DETERMINATION DOCUMENT. They have refused accept it. They have not supplied anything to me in writing. I can not get past the customer service Rep, who takes my paper work, then says they do not have direct contact with the " flood insurance '' department Attached the LETTER OF MAP REVISION DETERMINATION DOCUMENT Attached Mortgage State with loan info and showing the forced payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs 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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: OH

Complaint narrative:
at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my 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 I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: MA

Complaint narrative:
I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX  with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX  XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was laid off from my employer on XX/XX/2023. I contacted XXXX  regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted XXXX  and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity.

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.

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