vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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:
On XX/XX/year>, after reviewing my credit report, I identified discrepancies pertaining to accounts labeled XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX and SEFT/WOFC # XXXX XXXX XXXX XXXX. In light of this, I promptly submitted a formal dispute letter to Transunion on XX/XX/year>, requesting a reinvestigation of these accounts. 

Subsequently, on XX/XX/year>, I received communication from Transunion, indicating that they had completed their investigation and concluded that the information on the aforementioned accounts is accurate and complete. However, upon reviewing my credit report again, I discovered that the discrepancies persist unchanged. 

I believe Transunion 's handling of this matter is in violation of the Fair Credit Reporting Act, specifically 15 USC 1681i, which outlines the treatment of inaccurate or unverifiable information. According to this statute, consumer reporting agencies are obligated to promptly delete or modify inaccurate information following a consumer dispute, as well as notify the furnisher ( s ) of said information about any modifications or deletions made to the consumer 's file.

Furthermore, I assert that Transunion 's actions contravene the provisions set forth in 15 USC 1681e, which stipulates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. This includes reporting information with actual knowledge of errors and refraining from furnishing inaccurate information after notice and confirmation of errors.

As a result, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Transunion for its failure to adhere to the legal obligations outlined in the Fair Credit Reporting Act. I seek resolution in the form of accurate reporting on my credit file and accountability for Transunion 's non-compliance with federal regulations. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act swiftly to address this issue. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration.

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 2024-04-08 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: IL

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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-04-08 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: PA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-08 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: CO

Complaint narrative:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

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 2024-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I got numerous phone calls from Wells Fargo Bank fraud division at which point I picked up the phone. The impersonator introduced themselves as the Wells Fargo fraud department and they were calling me because someone was trying to charge my account {$8200.00}. 
They needed to verify my identity to stop the fraudulent charges. To verify my information, the impersonator walked me through step by step very professionally on setting up a recipient in XXXX through my Wells Fargo banking app but not sending them any money. At that point they had be back out and start doing the same thing through the wire transfer part in my app. At the very end, they wanted me to send the money through. When I asked them what the point of this was before I sent the transfer though, I was informed that I am sending this to the president of the fraud department of Wells Fargo and that they would be able to put the money back in my account so the fraudulent charges wouldn't hit my account. 
When the transfer went through, I realized that this was suspicious and fraudulent when the balance on my savings account actually dropped by the amount that was sent which was not supposed to be according to the impersonator. At that point I hung up the phone and immediately called Wells Fargo bank asking about this process they told me that was incorrect and would open a fraudulent claim case. 
I instructed Wells Fargo to stop the wire transfer and freeze my account since the wire transfer was still pending. 
On XXXX, I received a letter in the mail from Wells Fargo addressing the claim that was filed on XX/XX/year> was closed because the wire transfer was " authorized '' ( this is not the case ).

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 2024-04-08 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-08 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On or about XX/XX/year>, I visited the XXXX store in XXXX Wa. There were flyers displayed offering a 0 interest rate if account balance was paid off within 12 months. 
Also noted, on bottom of flyer next to an asterisk was the promise of it being a SOFT inquiry on ones credit. 
It was NOT.. TURNS OUT IT WAS A HARD INQUIRY. Causing my score to drop XXXX points! 
I didn't receive any satisfactory answer from bank. as to why they would use deceptive practices to try and lure customers to apply. 

I have since closed the account within 3 days of opening after I discovered this deceptive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are 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 2024-04-08 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As a federally consumer protected under the Fair Credit Reporting Act ( FCRA ), I am formally exercising my right to opt out of any and all authorizations, whether expressed in writing, verbally, or otherwise, as provided for by 15 USC 6802 under 16 CFR Part 313.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 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: FL

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I initiated an instant transfer of {$100.00} to my bank account through Venmo on XX/XX/2024 and was never sent the funds. 
I have since reached out to Venmo several times and when directed to contact my bank, I was informed by XXXX that no such transaction ever made it to them. XXXXXXXX XXXX  also confirmed this to a Venmo representative several times. 
Despite being provided ample amounts of proof that the funds never reached my account and despite XXXXXXXX XXXX also corroborating this, Venmo continues to insist this transaction was successfully completed despite the evidence provided, and has continued to refuse to transfer me the funds I am rightfully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I am writing to seek assistance regarding an issue with my credit report. I have encountered a significant inaccuracy concerning charged-off accounts, which I have unsuccessfully tried to resolve directly with the credit bureau XXXX 

Account Information for Dispute : XXXX XXXX Balance {$460.00} XXXX XXXX {$330.00} XXXX Bank {$800.00}. 

The issue at hand is a charge-off that is still reporting a balance on my credit report. As per the Fair Credit Reporting Act ( FCRA ), once a debt is charged off and either sold or transferred to a collection agency, the balance on the original creditors account should be reported as XXXX. This incorrect balance reporting is not only misleading but also negatively impacts my credit score.

I have previously attempted to resolve this issue by contacting directly. Despite my efforts, the balance has not been corrected, and my credit report still inaccurately reflects this debt. 

I am seeking the CFPBs assistance in ensuring that this error is corrected promptly. This request aims to ensure the accuracy of my credit report as mandated by the FCRA. 

I appreciate your attention to this matter and look forward to a resolution that reflects the accurate status of my credit report. Please do not hesitate to contact me if further information or clarification is required. 

Thank you for your assistance and support in 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 explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I am writing to seek assistance regarding an issue with my credit report. I have encountered a significant inaccuracy concerning charged-off accounts, which I have unsuccessfully tried to resolve directly with the credit bureau . 

Account Information for Dispute : XXXX XXXX Balance {$460.00} XXXX XXXX {$330.00} XXXX XXXX  {$800.00}. 

The issue at hand is a charge-off that is still reporting a balance on my credit report. As per the Fair Credit Reporting Act ( FCRA ), once a debt is charged off and either sold or transferred to a collection agency, the balance on the original creditors account should be reported as XXXX. This incorrect balance reporting is not only misleading but also negatively impacts my credit score. 

I have previously attempted to resolve this issue by contacting directly. Despite my efforts, the balance has not been corrected, and my credit report still inaccurately reflects this debt. 

I am seeking the CFPBs assistance in ensuring that this error is corrected promptly. This request aims to ensure the accuracy of my credit report as mandated by the FCRA. 

I appreciate your attention to this matter and look forward to a resolution that reflects the accurate status of my credit report. Please do not hesitate to contact me if further information or clarification is required. 

Thank you for your assistance and support in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
{$900.00} was illegally taken from my USAA checking account last by an unauthorized person/account last XX/XX/2024. Reported it to USAA on same day but 7 days has passed never received any refund or any update from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

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.

CAINE AND WEINER has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

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

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

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
please delete this account thank you.

Company response to consumer: Closed with explanation