vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
XXXX XXXX and Transunion does not truly look in to my disputes. I show proof of the incorrect information and they either ignore or deny the responsibility. I have called and finally after repeating my S.S multiple times and waiting for hours to a response of being sent to incorrect department just to finally be told they can not do anything about it. Here lately I received my dispute by the next day or XXXX only to told its verified and updated. Im reaching out to CFPB for help. XXXX XXXX and Transunion is absolutely not for Consumers. The phone number they ( XXXX ) list only offers you to change your freeze. If you ask to speak to a representative will only leave the option of a repeat computer response.Transunion expects you to pay for your own credit score? How is this legal? Transunion only allows XXXX dispute until they are completed with the other. These XXXX bureaus are running a sham and should be against the law for them to treat consumers this way. Reaching a representative at Transunion is just as bad. Each one of these bureaus has received my disputes over the last couple of years. XXXX XXXX XXXX also has ignored my disputed proof only to be told sorry for the mistake but only to see nothing has been done to correct. I have been denied loans because of these companies reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
Experian XXXX and XXXX does not truly look in to my disputes. I show proof of the incorrect information and they either ignore or deny the responsibility. I have called and finally after repeating my S.S multiple times and waiting for hours to a response of being sent to incorrect department just to finally be told they can not do anything about it. Here lately I received my dispute by the next day or XXXX only to told its verified and updated. Im reaching out to CFPB for help. Experian XXXX and XXXX is absolutely not for Consumers. The phone number they ( Experian ) list only offers you to change your freeze. If you ask to speak to a representative will only leave the option of a repeat computer response.Transunion expects you to pay for your own credit score? How is this legal? XXXX only allows XXXX dispute until they are completed with the other. These XXXX bureaus are running a sham and should be against the law for them to treat consumers this way. Reaching a representative at XXXX is just as bad. Each one of these bureaus has received my disputes over the last couple of years. XXXX XXXX XXXX also has ignored my disputed proof only to be told sorry for the mistake but only to see nothing has been done to correct. I have been denied loans because of these companies reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ADP Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I filed multiple disputes ( XXXX ), and ( XXXX ) on my account at the time of me filing the disputes was my account was not closed, and I was told I should receive an update XXXX from that date which was XX/XX/XXXX I was told this by the disputes department. I did not receive an update or resolution letter about my dispute so I did not know what was the finale resolution until I called on XX/XX/XXXX and was informed that both disputes ( XXXX ), and ( XXXX ) where resolved in my favor and a refund of the disputed amount would've been credited to my account on XX/XX/XXXX .. upon checking there was no credit added to the account on XX/XX/XXXX or any day after that there should've been a credit amount of {$XXXX}. Now during the investigation of the disputes my account was put in negative and eventually closed with a negative balance but even with that being said the disputes that where ruled in my favor on XX/XX/XXXX should've been added to my account and covered the negative balance I had on the account and the remaining balance from my repayment of the negative balance should've been mailed to me in a check which this did not happen... I want the funds from the disputes that I won on XX/XX/XXXX to be sent to me in a check asap this is ridiculous I shouldn't have to go through this to have those funds sent to me I have added both dispute claim numbers at the top so you guys can pull up and see that I have won both disputes and no funds where ever credited to my account a posted on XX/XX/XXXX ... my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
The day I was moving from XXXX  to XXXX, I had listed my washer and dryer for sale for {$200.00}. A lady contacted me and advised me that she urgently needed my washer and dryer but her son wouldnt be able to pick it up until XXXX and I was leaving at XXXX XXXX. I advised her that I would set the washer and dryer outside of my storage unit, and which was in a remote location, and I would let the owner of the storage units know her sons name and the time he was picking up the items. I specifically asked the woman if she was absolutely sure she wanted the items because I would not be able to come back and sell it once I left for XXXX. She assured me that she wanted the washer and dryer and even advised me that she would pay for it ahead of time but she could only use Venmo. I did not have a Venmo account at the time but she walked me through setting one up and then sent the payment. The payment however was instantly on holdbut I thought maybe I had to wait to get my card in mail before I could access the money. When I arrived in XXXX  a few days later I got a notification saying the buyer had disputed her payment for item not as promised.. this dispute was closed and I recieved another notification stating that the buyer had disputed the payment because item was never recieved. I also got an email from Venmo stating that the buy had to provide proof of returning the item to me. A few days later the dispute was closed and they refunded the {$200.00} to the lady that bought my washer and dryer. So this woman got a washer and dryer from me, and then ripped me off and Venmo for some reason refunded her money. I asked several times why this happened, and the one and only response I recieved was that the item was damaged and that the damage wasnt listed and that I had no proof that the item was recieved. I responded, if the item was not recieved, how would a person be able to say if it was damaged or not? I have heard nothing back from the Venmo team. I have appealed this car 4 times with little to no contact from an actual person. Every time I chatted with an agent they assured me they would fix the problem but then eacalated it and said someone would be in touch. How do I even know if the money was in even given back to this buyer, or if this is some scam that Venmo does to make money. I sent Venmo the messages between myself and the buyer showing our agreement and showing that she knew I was leaving for XXXX  and would not be able to resell the item once I left. Either this woman took full advantage of this situation knowing I had no way to go back to XXXX, or Venmo is scamming people to make money, either way {$200.00} was removed from my account for no reason and no evidence provided to me of where the money went or why the money was removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday XX/XX/XXXX, Bank of America seized {$1200.00} from my joint checking account ending XXXX to offset a Bank of America past due individual consumer credit card debt. I contacted the bank the same day to request a refund and explained the following : 1 ) federal law limits the right to offset to payoff consumer credit accounts 2 ) this is a joint bank account 3 ) I'm experiencing financial difficulty 4 ) the remaining funds of only {$100.00} doesn't leave money to cover living expenses 5 ) funds are for child support and exempt from offset I spoke with a Bank of America supervisor that oversees checking accounts by the first name of XXXX ( last name unknown yet was requested ) with ID # XXXX in XXXXXXXX XXXX. The call was recorded as I stated the following in summary : " I tried to reach the merchant directly to resolve the matter but to no avail. I will file a complaint with the CFPB to open an investigation on the matter. '' The first checking account offset occurred on XXXX XXXX in which Bank of America offset my individual checking account to offset my individual consumer credit card debt for {$610.00} from account ending XXXX. I was experiencing financial difficulty at that time and receiving unemployment benefit as I've been unemployed since XX/XX/XXXX thru the present. I requested a refund for the same aforementioned reasons noted above but no refund was issued.

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 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I disputed a claim for a fraudulent charge made on my business checking account debit card. Bank of America denied the claim, providing in the same envelope the evidence from the merchant ( XXXX ) that the product ( a {$970.00} textbook ) was purchased and apparently delivered to my address. They also provided the XXXX tracking information with their supporting documents for the order, which I looked into further. After calling XXXX and requesting further detailed proof of delivery, they sent me a pdf with the person and address it was shipped to and from, neither being me nor the apparent seller of the textbook. The delivered and shipped dates were both before the order was even placed, according to their supporting documents and my bank statement. In other words, the person committing fraud was able to assign a random, unrelated tracking number to this purchase and my bank didn't think twice about looking into this. With all of this in mind, my claim should not have been denied yet it was and I feel that this should be escalated.

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 monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX XXXX XXXX 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 2025-01-09 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a garnishment for my wages to my employer in XX/XX/XXXX was never served and missed a court date which caused a judgement for a debt I was unaware of. I never received any mail from this creditor or debt collector to my knowledge. I do not know of any contact attempts made. However, I called them to request debt verification after my employer informed me. Approximate date of call was XX/XX/XXXX. I asked for debt verification through lvnv funding and then through XXXX XXXX XXXX I received nothing. The companies refused to provide it to me through email or electronically and advised it must be mailed. As of today XX/XX/XXXX I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to end my Forbearance and make payments on my accounts. On XX/XX/24, I called and was on the phone with MOHELA for XXXX hours. I asked to be taken out of forbearance as as my PSLF form was processed and therefore forbearance was not needed. They agreed to remove the forbearance in 10 days. 

I called back in early XXXX to request a status update and was on hold for XXXX hours. I was told there was no way to check the status and that they do not have the staffing to process the request. 
I have sent XXXX emails to have my account taken out of forbearance. I have submitted an income driven repayment request which XXXX said MOHELA must process in 30 days. 

I would like to resume my payments and MOHELA is delaying to gain more interest on the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-09 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: TX

Complaint narrative:
XXXX, XXXX, Transunion It took over four years to get several addresses that were never mine from my profile, even after I provided fraud reports. 
I asked for reporting procedures for reinvestigation on incorrect listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Public record. XXXX said it was verfied through XXXX XXXX. XXXX XXXX does not have this info! They will not reinvestigate, they will not delete any inaccurate information I was even told they will not reinvestigate because they investigated already. 
They have been harming my credit for years preventing me from purchasing property and getting loans and credit

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