vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: AZ

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXXXXXX XXXX Balance : {$470.00}, XXXX XXXX XXXXXXXX Balance : {$430.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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: U.S. BANCORP
State: IL

Complaint narrative:
My Elan Financial Fidelity card has several transactions with issues, but Elan Financial transaction dispute function seems to be dysfunctional and I can not get them to dispute the transactions. First, there are two transactions from XXXX XXXX XXXX that I have returned the merchandise to XXXX XXXX XXXX and received a return confirmation, but have been unable to get them to issue a refund. For this reason, I would like Elan Financial 's help and dispute these two transactions : {$240.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX and {$630.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX Then there is a transaction from XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023 for {$550.00} that I do not recognize and have not authorized. I have never purchased or received anything from XXXX XXXX XXXX and would like Elan Financial to take care of this unauthorized transaction.

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 2023-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Please see below and attached - I am a victim of identity theft and there are hard inquiries that need to be removed immediately due to fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TX

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payactiv, Inc.
State: IL

Complaint narrative:
Payactiv HAS KNOWN FOR 5 MONTHS that I have had credit card taken and someone took XXXX off of card. I've put 2 disputes in with payactiv with no response! I've called over 24 times to be hung up on and have NO STATUS UPDATE OR ANSWERS TO THIS MONEY LAUNDERING/ MONEY HUNGRY COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Fig Tech Inc.
State: TX

Complaint narrative:
I viewed my credit report on XX/XX/XXXX and noticed 5 late payments. I didnt not apply for these accounts. I filed a complaint these accounts are fraudulent and still show on my credit report. 

Fig loans XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TX

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 XXXX5 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

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 2023-10-06 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: TX

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
previous requests were not fufilled by said company .... i am asking for accommodation for all late payments on my credit report by wells fargo according to 15 USC 1681s-2 ( f ) I am demanding wells fargo remove any late payment received during the covered period with proof of removal

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 2023-10-05 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: PA

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: PA

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-05 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: NC

Complaint narrative:
Below attached is my common law Copyright notice and lien for the straw affidavit received from the XXXX XXXX XXXX XXXX that I previously published in the legal section. My Certificate of Authority from the XXXX XXXX XXXX of State, My Copyright number, and affidavit. Both Parties are wilfully in violation of my XXXX XXXX XXXX, and Constitutional Rights. My Rights to privacy are first, I never consented, contracted, or agreed written or orally with either party, yet they continue to violate my rights and neglect the laws.

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 2023-10-05 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:
inquiries that was placed on my credit file was placed with out my knowledge.

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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXXXXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-05 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: NC

Complaint narrative:
I found multiple inaccuracies on my credit report from the bureaus, and I am aware that it is your job is to ensure the accuracy of my credit report. 

Account XXXX : XXXX Account XXXX : XXXX Why is it that this account being reported with 3 different dates of last activity? Why is this account being reported with different date opened? Why is this account being reported with 2 different payment status? Delete the account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request. 

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 2023-10-06 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: CO

Complaint narrative:
I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my 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 explanation
Consumer complaint received 2023-10-06 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: CO

Complaint narrative:
I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX US Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my 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 2023-10-05 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: DISCOVER BANK
State: TN

Complaint narrative:
Discover Student Loans is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. Discover Student Loans put these accounts in a past due/delinquent/charged off status when I was in a XXXX XXXX plan. The Trustee was making payments on Discover Student Loan account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXX. Discover Student Loans is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the Discover Student Loan account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with XXXX and XXXX. The credit bureaus responded that Discover states they are reporting accurately and therefore my credit report status for Discover Student loan remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
got a loan to get transmission on vehicle replaced used my title as collateral interest to renew monthly is XXXX that does not touch principle only renews loan for 30 more days and no repossion of my vehicle i recieve ssi monthly and am drowning because i have been paying for a year now and feel like i have paid it in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I received a call from XXXX with TSI on XX/XX/XXXX @ XXXX calling to collect debt of {$600.00} as of XX/XX/XXXX. Said debt was with XXXX XXXX. I have never done business with XXXX XXXX and was told to call XXXX. He would not provide me an account number or service address and said I could obtain that from XXXX XXXX. 
I called XXXX XXXX and they can not pull up an account by name. They need the service address or an account number or SSN or telephone number or driver 's license number. 
I moved out of state XX/XX/XXXX and no longer have my TXDL, they could not pull up an account by my SSN or phone. 

I received a call today XX/XX/XXXX from XXXX with TSI at XXXX threatening me that if I did not pay it was going to go against my credit. I advised what XXXX XXXX said and he said he could not give me the service address as this is sensitive information. He provided to me an account number. 

I called XXXX XXXX and they said that is not a valid account number and that the collection agency should be providing the service address. 
She could not locate an account under my SSN or phone number and advise I reach out to www.ftc.gov to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: ProCollect, Inc.
State: LA

Complaint narrative:
My personal information was utilized without my explicit consent and subsequently incorporated into my credit report. The following includes the name of the inquiry, dates, and amounts. ( XXXX XXXX XXXX XX/XX/XXXX {$160XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Automobile XXXXealers ran my credit ) ( XXXX Communications {$140.00} XX/XX/XXXX XXXX XXXX Capital XXXX {$250.00} XX/XX/XXXX ) I did not authorize these institutes house my 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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NV

Complaint narrative:
1. I placed an order for food delivery and the order was cancelled. Cashapp refused to credit my account for the cancellation. 
2. My settlement amount with XXXX was lower then the original amount charged after I spent the {$20.00} Cashapp made my account negative stating I owed them. 
3. I get direct deposit and ATM fees are supposed to be free, Cashapp refuses to honor this and every time I call they provide a different excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-10-05 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: FL

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation