vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
This will be the third time I am asking Transunion for a re-investigation on account named XXXX XXXX XXXX to be removed as it is not mine. the original contract with me and XXXX XXXX XXXX was never provided from the creditor and transunion. 

remove account immediately

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 2024-11-20 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : **Dispute of Debt Account XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt you are attempting to collect under the account number referenced above. I have reviewed my records and do not believe that I owe this debt, or the amount you are claiming. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation to verify the debt : XXXX. A copy of the original contract or agreement associated with this debt. 
XXXX. The name and address of the original creditor. 
XXXX. A complete history of the debt, including dates and amounts, showing how the current balance has been calculated. 
XXXX. Any additional evidence of my liability for this debt. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Please be advised that until this information is provided, I consider this debt disputed, and I request that you cease all collection activities. You are also required by law to report this dispute to the credit reporting agencies, if applicable. 

I would appreciate a response within XXXX  days of receiving this letter. If you do not provide the necessary documentation or if you continue to pursue this debt without verification, I will consider taking further action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 

Please send all correspondence regarding this matter to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Fraudulent Charges Report Money Network Account Between XX/XX/XXXX and XXXXXX/XX/XXXXseveral unauthorized transactions were posted to my Money Network account. These charges were made at various locations, and I did not authorize any of them. I just received my Money Network debit card to activate via mail on XX/XX/2024 around XXXXXX/XX/XXXX In order to access my new account, I have to activate my debit card. However, after speaking to Money Network representative, I can not " access my account '' due to it being on hold from fraudalant charges. Below are the details of the fraudulent charges ( date, time, and false charges could slighly vary ) : XX/XX/2024 : {$1800.00} atXX/XX/XXXX{$1000.00} at XX/XX/XXXX {$16.00} at a fast food restaurant XX/XX/2024 : {$500.00} ( merchant unknown ) {$1000.00} ( merchant unknown ) {$35.00} at XXXX XXXX XXXX XX/XX/2024 : {$10.00} at XXXX XX/XX/XXXX( XXXX XXXX ) All of these charges are posted to my account or pending, and I did not authorize any of these transactions. I have not visited these merchants, nor did I make any purchases for the listed amounts. I have no been able to even activate my card or register as a first time user. Therefore, I am unable to access my account. 

Please note that this debit card is a benefit debit card issued for my Paid Family Leave, which I started receiving on XX/XX/2024. I will continue to receive additional funds for XXXX weeks. I am concerned that these fraudulent charges are impacting my benefits and financial security. 

I am requesting immediate investigation and resolution of these fraudulent transactions, and I seek reimbursement for the total amount stolen.

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 2024-11-20 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: CA

Complaint narrative:
I noticed several accounts on my credit report that are currently involved in pending litigation. Since these legal matters are unresolved, their inclusion in my report is leading to an unfair reduction in my credit 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
When I looked at my XXXX report I noticed a account that is not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively. I have a collection account from XXXX XXXX  that was sent to XXXX XXXX XXXX and This is a fraudulent account that needs to be removed.

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 2024-11-20 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: OH

Complaint narrative:
I've disputed accounts on my credit report that are from identity theft and they refuse to remove the items. I've submitted proof of identity and address. I've also submitted the documents they've asked for, today ( XXXX, XXXXXXXX XXXX  ) I recieved an email claiming I didn't send proof of identity which is a lie. I've sent proof of identity in prior disputes that aren't older than 30 days.

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On Monday, XX/XX/XXXX, I initiated a bank transfer to load {$700.00} into my Venmo wallet. When completed I was informed it would not be available until Friday, the XXXX XXXX XXXX XXXXXXXX. I immediately tried to cancel, as I could write a check and it would clear faster. There is no option to do so, so I called customer service. I was told that although the transaction showed pending, it had already started the process. Today, Wednesday, XX/XX/XXXX, I am able to see that {$700.00} has in fact left my checking account on XX/XX/XXXX. I called Venmo customer service again asking when my money would post to my wallet. I was again told Friday, XX/XX/XXXX. They have my money in available funds, but are holding it another 3 days, because " that's how long it takes to post ''. I was under the impression that it is illegal to place available funds on hold. When I stated that, I was told they didn't have the funds. So I again stated the money was withdrawn from my account yesterday, XX/XX/XXXX and asked where it went. I was told an ACH takes XXXX business days. If the money is gone from my account, it has to be in their account. So, now I'm apparently stupid and don't know what he's talking about. My Venmo account balance is XXXX, therefore, they don't have the funds. After stating my case numerous times, the only answer they have is it takes XXXX business days. Its obvious they keep available funds to earn interest unless you agree to pay a fee to have it released when they get it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent 4 letters to the credit bureaus to correct and delete information that was incorrect, they have failed to respond in a timely manner and when they have its been over 60 days after my complaint. I have received a letter from each bureau asking for additional information which I have provided already which is a delay tactic. I have been trying to get the information corrected however they are not verifying the information with no corrections. I have failed several complaints I have run out of options!

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 2024-11-20 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I contacted Target for a return I made that was not refunded. I have called 7 times and was only told to call the next day. I never saw a refund even though they admit I should receive one. I have tried but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-11-20 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-20 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20 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:
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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/XXXX  my credit card issued by Discover was blocked for security reasons. I contact the company to unblock my card and solve the misunderstanding. They requested me a verification process, witch I tried to started on the phone and could not be verified since i was not a XXXX XXXX. 

I promptly requested another way to verify my ID so we could remove the block put on my credit card, that they requested a security deposit of XXXX XXXX XXXX XXXX  to create and I paid, since I was interested on having their card. 

As part of the solution informed by the Discover employee, they send me a form that i had to find a notary and have that notarized, and I did. All the information they requested was sent by their link : http : //www.discover.comXXXX XXXX Supporting documents for the category > I enter my name, last name, and last 4 digits of my SSN. > Upload everything. 

As soon I sent all the documentation on their website, I contact discover at their XXXX ; they informed me i had to wait fo

r 10 business days, to have their team vivificate the information. I patiently wait the 10th business day pass, and today, I contact
them and the representative told me they could not contact the XXXX XXXX XXXXXXXX on XXXX XXXX witch i have an account and had their form notarized. 

I paid for the card, I told the representative on the they the card was blocked was my mistake and requested to unlock it, they requested a verification form notarized, I did what they requested and I still can not use the card I pre paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
U.S BANK WILL NOT LET ME WITHDRAW THE FUNDS IN MY ACCOUNT ( {$1400.00} ) REGARDING DISPUTES ( PROVISIONAL CREDIT ). I NEED THESE FUNDS FOR BILLS EMERGENCY.

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My son sent me {$650.00} last month. PayPal has blocked me from gaining access to the account. I called & spoke with a person claiming to be XXXX ID # XXXX then called again & spoke with a person claiming to be XXXX ID # XXXX who both claim that NO SUPERVISOR was available since they were working from home. They would have to send an email & a supervisor will contact me within 24 hrs or more. Terrible customer service. In addition, their website is not user friendly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I was advised to make this complaint for the investigator to see XXXX and Equifax responses to me and Florida 's Attorney General office, and for both companies to respond back to CFPB. 

Both companies informed me that they were unable to verify the information and declined my request. It was advised that I include the successful outcomes of XXXX and other specialty credit reporting agencies that adhered to the law. Equifax and XXXX are the only agencies with which I am experiencing issues and delays. Despite being advised by CFPB to comply with the law in XX/XX/year>, it appears that both companies are still engaging in negligence. I have been denied housing since XX/XX/year>, and I am unable to rebuild my life successfully. The majority of my monthly income has been allocated to hotel expenses, which is further impeding my ability to achieve financial stability. 

The law clearly states that XXXX and Equifax can not question the validity of XXXX  documentation establishing that I'm a victim of XXXX XXXX which is attached to this complaint. I did not authorize the release of any of my information from healthcare facilities, nor will I ever authorize such release to a credit reporting agency. XXXX and Equifax continued dissemination of sensitive information has put my life in great danger because I believe that I can be found again due to their actions. They are attempting to verify information with anyone who answers the phone, and I do not know to the extent that they have gone to discredit my XXXX  situation. 

Due to me being homeless and not able to secure housing, my mental health has plummeted to an all-time low. XXXX and Equifax have subjected me to the same feeling of hopelessness and defeat that I once experienced while I was being XXXX.

Company response to consumer: Closed with explanation