vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: TN

Complaint narrative:
XXXX XXXX club vacation debt was cancelled and need to be removed from all 3 reporting credit agencies 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 2024-09-16 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: IL

Complaint narrative:
I have identified several unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen. I previously raised this issue, and I am now requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial management. Addressing this problem has been challenging. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are significantly affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter quickly.

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 2024-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
This concerns Chase Bank New York with whom I have had accounts with for many years after my XXXX  XXXX accounts, which were opened in XXXX, were transferred to Chase. 

When I tried to send money to my daughter 's Chase account for her birthday my access was shut down due to " suspicious activity ''. 

That was 2 years ago and I've called them at least 20 times on various numbers to no avail. I got a letter by post saying that as I hadn't made any deposits they might close my account and confiscate my money. 

The dates are from XX/XX/XXXX to now. The total amount of money in my checking and savings accounts is about {$7000.00}. Whenever I try to access my accounts it says access denied due to suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/scrub> 2024, Venmo ( NOT the IRS ) fraudulently withheld monies paid to me ( from XXXX previous Venmo payments ) from my spouse ( from whom I am legally separated ) for reimbursement for childcare expenses ( his share of swim lesson costs for our children ). 

I notified Venmo numerous times of this error, beginning with attempts to reach out via phone ( speaking to dozens of Venmo employees explaining the situation ). Several times I was assured of resolution and was promised calls back to correct Venmo 's error ( to which they were noticed of the error dozens if not hundreds of times ). Having never received the promised calls, I did eventually receive an email with copy/pasted info pertaining to tax withholdings for vendors for " goods and services. '' As apparent in the email threads, I have had no resolution from Venmo for their error. Most of the emails I received were copy/pasted paragraphs about tax withholdings. 

Throughout this process, I could not have been any more clear with Venmo that these payments were childcare expense reimbursement, a point that I re-iterated ad nauseum. Such expenses are not subject to taxes of any kind ; in fact, it is illegal to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 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:
I wish to contest the accuracy of certain information on my credit report, which does not accurately reflect my financial records. This misrepresentation is a breach of the Fair Credit Reporting Act, specifically under Section 15 U.S.C. 1681e ( b ), obligating credit reporting agencies to ensure the accuracy of the information they compile about individuals. Enclosed are the documents that demonstrate these inaccuracies. I request an immediate investigation and the rectification of these discrepancies.

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 2024-09-16 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:
I wish to contest the accuracy of certain information on my credit report, which does not accurately reflect my financial records. This misrepresentation is a breach of the Fair Credit Reporting Act, specifically under Section 15 U.S.C. 1681e ( b ), obligating credit reporting agencies to ensure the accuracy of the information they compile about individuals. Enclosed are the documents that demonstrate these inaccuracies. I request an immediate investigation and the rectification of these discrepancies.

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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
frequent harassing phone calls at all times with unknown number at inconvenient times and days. 

I have sent them a letter to cease and desist all communication to me and to any 3rd parties agencies not authorized by me in writing pursuant to FDCPA 15 U.S.C 1692c ( b ) ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX XXXX XXXX XXXX XXXX which then Sold my information to National Credit Adjusters LLC . Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Yes I have bankruptcies reporting on my credit report that does not belong to me, I will providing documentation that they do not belong to me and they should be removed immediately due to my rights, I will be sending proof of my identity of my new address and that its me filing this dispute

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a paid-off debt that is incorrectly being reported on my Equifax credit report. Despite numerous disputes filed by both me and my lender, XXXX XXXX XXXX XXXXXXXX, Equifax has refused to remove this item from my report. 

In XX/XX/year>, XXXX XXXX  requested that all three credit bureaus delete this item from my credit report. While the other bureaus complied, Equifax has yet to do so. I have submitted three disputes ( each including a letter from XXXX XXXX ) and XXXX XXXX  has made multiple requests, through various channels. 

I am unsure why Equifax continues to refuse to delete this item, despite my efforts and XXXX XXXX requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: DC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: DC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-16 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: DC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-16 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: IL

Complaint narrative:
I have identified several unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen. I previously raised this issue, and I am now requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial management. Addressing this problem has been challenging. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are significantly affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter quickly.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX2024, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response form from TransUnion that was issued by them on XX/XX/year>2024 stating that they received my dispute letter but they would not process it because they are assuming it is from a 3rd party. I'm not sure where they think that as I am just trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its actual job and conduct a proper investigation on the accounts I am trying to dispute.

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 2024-09-16 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:
Upon reviewing my credit report, I have identified inaccuracies that do not reflect my financial transactions or credit history. This situation is a direct violation of the Fair Credit Reporting Act, notably under Section 15 U.S.C. 1681e ( b ), which obliges credit reporting agencies to ensure the accuracy of the information they compile on individuals. Enclosed are the documents that substantiate my claims of these discrepancies. I request an immediate investigation and the correction of these inaccuracies.

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 2024-09-16 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:
Upon reviewing my credit report, I have identified inaccuracies that do not reflect my financial transactions or credit history. This situation is a direct violation of the Fair Credit Reporting Act, notably under Section 15 U.S.C. 1681e ( b ), which obliges credit reporting agencies to ensure the accuracy of the information they compile on individuals. Enclosed are the documents that substantiate my claims of these discrepancies. I request an immediate investigation and the correction of these inaccuracies.

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 2024-09-16 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: WY

Complaint narrative:
Consumer name XXXX XXXX XXXX consumer dob XXXX XXXX XXXX  consumer social security # XXXX this complaint has been filed to request pursuant to fcra ( 15usc1681 c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.these fraudulent, inaccurate and false information consist of the following accounts # XXXXXXXX XXXX acount # XXXX XXXX {$26000.00} account # XXXXXXXX XXXX acount # XXXX balance {$1400.00} account # XXXX acount # XXXX balance {$63.00} acount # XXXX acount # XXXX balance {$170.00} and acount # XXXXXXXX XXXX acount XXXX XXXX balance {$6400.00} I've attached an ftc report # XXXX as proof.the aforementioned accounts are reporting on my consumer reporting by you where not made opened made or initiated by me.delete 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 explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX 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