vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccuracies, Inconsistent Late Payment Reporting, and Missing Data account # XXXX # XXXX Dear TransUnion I am writing to dispute the accuracy of the information reported on my credit report. Recently, I disputed this account, and you stated that the account was verified as accurate. Please explain how you conducted your investigation to determine that this account is verified as accurate. Did you review all the information that the furnisher submitted to you to determine the account was reporting accurately, or did you solely rely on what the furnisher told you? 

This account was opened on XX/XX/XXXX, and under the payment history, this account is reporting NO data through XX/XX/XXXX to XX/XX/XXXX, also through XX/XX/XXXX to XX/XX/XXXX, and through XX/XX/XXXX to XX/XX/XXXX. This account was fully active and should have been reporting data during those dates. TransUnion, please provide me with information on how this account is reporting accurately when they did not report any data under the payment history while the account was active. 
Additionally, there are no 30 to 90 days reported late leading up to the 120 days late that you are reporting. This information is inaccurate and inconsistent. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, the furnisher has violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information if they know or have reasonable cause to believe that the information is inaccurate. By failing to report any data under the payment history for the above dates while the account was active, the furnisher has breached their duty to provide accurate information.

I demand that you conduct a reinvestigation and delete this inaccurate account from my credit report. TransUnion, you have failed to conduct a proper investigation as required by law.

Please provide me with a written statement detailing the results of your reinvestigation, including the method and procedures used to verify the accuracy of the information. If you can not verify the accuracy of the disputed information, you are required to delete it from my credit report.

Thank you for your prompt attention to this matter.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX XXXX Account # : XXXX XXXX XXXX : {$430.00}

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 2024-07-29 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: AZ

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc
State: RI

Complaint narrative:
I checked my credit and affirm show up i never authorized affirm to run my credit or any business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My home depot card is constantly being decreased without any prior notification causing a negative impact on my score and embarrassment at the counter.This does not seem ethical to do and when I request to increase back to my original balance it gets denied.

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 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company repeatedly calls all hours of the day I want this account removed and money refunded since they are part of lawsuit for bad debt collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been receiving numerous phone calls from Commenty Bank in regards to my Victorias Secret credit card. I spoke with the company on XX/XX/year> in an attempt to create a payment plan but the company wouldnt agree to my terms on the date the automatic payments would occur. Since the phone conversation the company has been calling me nonstop using an Unknown number and various XXXX numbers. The company continuously calls from the unknown number and follows up with a call from an XXXX number within XXXX minutes of the phone call. The company has far exceeded the XXXX calls within a XXXX day period, often calling more than XXXX times within a XXXX day time period. This tactic is causing me undue stress and preventing me from focusing on growing my new business to a point to get me out of the financial burden that I am experiencing since losing my previous business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you belive you gave me proper notification then please send me the certified reciept with my name on it with my signitaure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
I was told by the IRS that mine and my wife 's economic impact payments of {$1400.00} each were mailed to us XXXX or XXXX of 2021. We never received them and the IRS could never explain where the money went or why they couldn't just apply our payments to our 2021 taxes until 2 years later when I spoke to an IRS representative who said our payments were part of a group that was instead mailed prepaid cards from moneynetwork.com or also known as XXXX. 
I reached out to them from the number I was given by the IRS rep. Unfortunately, I was unable to speak to a live voice because I didn't have the prepaid card account numbers because I didn't receive them, but I could through their automated system request they mail out new cards if the system could verify they were not cashed... which they were not cashed. 
So the system resent them and again they were never received. FYI I have never missed mail at my address in the 5 years I've lived here. Never. 
I can add more specific details to this complaint if needed. 
Needless to say, I have gone back and forth with IRS and moneynetwork trying to get my money so the dispute for my 2021 taxes can be resolved. Without the stimulus checks, I owe on my 2021 taxes ; with the credit of the stimulus checks, the IRS owes me. 
Currently the IRS is threatening liens and garnishment via letters and web communications. I was also told my dispute was active at the IRS and that I shouldn't be receiving notices. 
I am filing a complaint to you with regards to XXXXMoney Network . If I could get a live person to send me the cards via a tracible mail system which I could pay for, I could get the money and matter could be closed. I think this would be the best solution. 
Please help resolve what seems to be a simple matter if I could just have a conversation with someone assigned to resolve my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NJ

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX Account # : XXXX XXXX XXXX : {$390.00}

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX  for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX Account # : XXXX XXXX XXXX : {$390.00}

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

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 2024-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
XXXX keeps sending me statements for a balance owed. However, I repeatedly told them that I don't owe any money. All my term bills to XXXX were fully paid for in cash. 

Additionally, I can't even find the account mentioned in the letter on my online account. 

Also in regards to 2022, any classes taken even part time were paid for by a graduate assistantship. It was fully funded by the University. 

I am attaching all relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NJ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-07-29 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: NJ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Aidvantage has failed to properly notify me of my loan status. XXXX sent me multiple messages with updates about my loan transfer. XXXX stated that Aidvantage would notify me when my loans were transferred or if there was a delay. I havent gotten any notification from Aidvantage about my loan status. I cant trust that the loan data is correct on the Aidvantage site until I receive appropriate notification. The lack of communication is causing undue anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding identity theft that I believe has occurred with my Apple Card, issued by GS Bank USA. Below are the specific details of my case : Issue Description : I believe that I am a victim of identity theft, which has resulted in unauthorized transactions and discrepancies on my Apple Card account. Despite my efforts to address this issue with the issuer, I have not received a satisfactory resolution. 

Discrepancies Noted : I have identified several late payments on my account that I did not authorize or recognize : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments have adversely affected my credit score and financial standing. I have never missed a payment on any of my credit accounts and have always maintained a diligent payment history.

Action Requested : I request the following actions to be taken by the CFPB to resolve this matter : Investigate the identity theft claim and unauthorized transactions on my Apple Card account. 

Remove the reported late payments from my credit history.

Assist in rectifying any negative impact on my credit score caused by this fraudulent activity.

Ensure that GS Bank USA implements stronger security measures to prevent such incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Requested for all the late fees to be taken off and the bank statement that was sent to them to show that I made a payment back on XX/XX/year>, they tell me it takes 90 to 60 days to fix this correction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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