vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: PA

Complaint narrative:
15 U.S. Code $ 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information thst resulted from alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in voilation of law because I am a victim of identity theft! Please delete the following accounts immediately : 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 
These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S. Code 1681B- Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! It also violates 15 U.S. CODE 1681S-2 Responsibilities furnishers of to consumer reporting agencies. 
As a consumer I am demanding the deletion of the accounts listed above 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 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have had a loan with Ally for a about a year and a half. During this time i have only been able to make about XXXX payments on their website or mobile app. I have call and complained many times that i have not had access to my online account and every time they say it will be fixed in XXXX weeks. The issue with my account is still an issue today. I have been forced to make payments over the phone and pay a {$4.00} fee every time.

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 2023-10-18 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: WI

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK NA XXXX The balance on this account should be reporting as XXXX. I've contacted Citibank and they do not see any open balance but my credit reports are inaccurately reporting a balance of {$2300.00}.

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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc.
State: IL

Complaint narrative:
I was attempting to speak to supervisors about their company using XXXX XXXX XXXX contact information resulting in them calling my phone number of XXXX looking for XXXX XXXX. I wanted to know if their corrections of incorrect data only stay internally or is reported to the credit bureaus or updated to the debt asset when sold on to other collectors. I was unable to get to that line of question as the very basic questions would not get answered. I spoke with XXXX supervisors on Wed XX/XX/XXXX The first was a female who refused to identify herself or the company name. She cited a security policy and refused to answer the questions multiple times until she terminated the call. 

I then spoke with a man who said the first supervisor was wrong and should have identified the company. He said their name with a thick accent and refused to spell the name of the company citing a security policy. He refused to provide his name or the mailing address for the company. He did identify the company was incorporated in Illinois as asked. When I repeatedly asked him to spell the company name and provide a mailing address he refused until he terminated the call. 

They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. 

Refusal to identify the company is a clear violation of the FDCPA and these nefarious and purposely misleading practices are deceitful and motivated by mitigating the ability for people to hold them accountable by making identifying them to government agencies difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX I was assaulted and robbed : My cell phone, wallet, laptop and other items were stolen. Immediately after the attack and theft I was locked out of my accounts ( banking, email, XXXX, credit cards and more ). It took time for me to recover and start filing claims and freezing accounts. 

I filed a complaint with each company that was impacted. XXXX, XXXX XXXX XXXX, XXXX XXXX, Chase Saphire ( credit card ) Chase Bank ( atm/debit ), XXXX, cash app. All of my accounts were hacked and stolen from. 

I was restored and made whole by all except chase banking. 
From the instant I called Chase to file my claim I was met with rude and unwarranted assistance. 

The agent was annoyed that I called and was refused to help me document my claims. He rushed to push the claim without allowing context or taking adequate notes. 

The customer service agent conflated two separate occurrences into one. I had an incident occur in XXXX, XXXX that I referenced but that was only to provide clarity of the transactions and dates. 

What he did was compiled it into the assault and theft claims. This information was never brought to my attention. I was not contacted and there was no investigation outside of going off this one agents notes.

I contacted Chase many many times over and sent updated documents 3 different times costing me more money I did not have. I had no understanding and was provided no help. I was placed on hold and an agent thought they were muted, then I could hear them laughing and mocking me right before the call " randomly dropped ''. 

Recently - My claims were denied again without investigation and I was denied any further communication as though my money or the assault was unimportant. 



This incident happened between XXXX and XXXX in XXXX, MI. ( XXXX police claim number : # XXXX ) - contact number : XXXX. 


I filed a complaint with Chase and I'm hoping to get some support. I see many customers online have had similar issues like me. My hope is to be made whole and to stop the next person from being victimized by a powerful bank that can accept your money but not have the time of day to protect you. 

note : One agent said they sent a fraud alert notice to my phone and email but i did not have access to either of those tools because I was robbed and hacked. They would've known that had they contacted me or the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
This is the second complaint I am filing for this issue as my first was closed final with no resolution or response other than " we'll get back to you. '' On XX/XX/2023, Google suspended my Google Payments account suddenly and without warning. This happened not long after I obtained XXXX status on their games account and earned over {$57.00} in rewards that I am now blocked from redeeming or using in any way. I am not able to buy anything using Googles payments service, which is basically anything owned by Google or any apps or games on their store. This prevents me from doing things I normally do all the time. I am also a paying monthly subscriber to some of their services, and I can not access or use some of the perks of being a subscriber even though they are gladly taking my monthly subscription fees. They asked me to fill out a form in order to verify something about my account. That form was asking for information regarding the last gift card I redeemed on my account including dollar amount of the gift card, where it was purchased, etc. I provided this information and later received an email about Google being unable to help me redeem the gift card. However, that is not the issue as the gift card was redeemed successfully and used. I was trying to lift the suspension on my account. I have been back and forth with customer service via live chat, email and phone calls for over a month and a half now and they are leading me in circles and directing me toward the same exact form I already filled out. I filled it out over XXXX times over the past month and a half as well with the same result. The customer service representatives state that they can not divulge any information about this due to privacy concerns even though I am the one affected, nor can they connect me to someone at Google that can help me fix this. I have no way of redeeming earned money in my account and I have no way of redeeming additional gift cards I purchased with my own money that I am still attempting to get refunds for. They have essentially stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I am a victim of identity theft and I've been dealing with this for months now and Im now having the same problem I had with XXXX and XXXX that I am now having with Experian. Some one stole my identity, used my maiden name and obtained a federal student loan through XXXX to attend XXXX XXXX XXXX in Louisiana. Ive tried to contact the school I have yet to hear back from them. Im still battling with XXXX XXXX to get this off my credit and all obligations to this loan. I have summited a police report and other documents supporting my dispute. I was informed that the loan was obtained by the thief in XXXX of this year 2023 to an address in XXXX XXXX Louisiana. Ive never went to school there nor have I ever lived in Louisiana. Born and raised in XXXX. I also have proof of residency for the time frame the loan was obtained. I am seeking help in this matter. It has caused major XXXX and delay in plans for a home. I have also files under XXXX as a few websites have suggested. Im so lost at this point and hoping that someone can help me thank you.

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 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Hello...... I have inaccurate information details on my XXXX bearus which I only have accurate information form XXXX and I can't able to apply for credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I was sent an email that acct closed and a check was sent to the address on file. I have owned this house and lived here since XX/XX/XXXX. After weeks of not getting the check, I was told it was sent to the state as abandoned property./ I spoke with a woman the very next day I got the email that the acct was closed and she confirmed my address that it was sent to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I contacted the ceo office since my son was depending on the fund which he has paid for my inhome help and other living expenses Got an email and called several times with no response I was never informed of the intent to close the acct. 
This is not a checking or saving acct that has regular activity and the cd just renewed XX/XX/XXXX. The agreement was I had no acces since my son paid my bills and for houseasssitant due to my age and several health comlications and medicaid could not find help. The acct was not abandoned and their email states it is closed and check sent to address on file so they have my address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NV

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.

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 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a charge on my " Home Depot '' credit card for {$21.00}. which was due XX/XX/23. I called them on XX/XX/23 to make the past due payment and asked them if they would waive the late fee, which they did. I got a new bill from Home Depot in XXXX for an amount of : {$21.00} ( Previous payment made on XX/XX/23 ) {$23.00} ( Fees charged ) New balance due XX/XX/23 of {$45.00} ( XXXX ) Past due amount {$21.00} ( already paid on XX/XX/23 ) I called them up and had to talk to 2-different Reps. and 3rd one to the Dispute Dept., and they finally agreed to take out all charges. So, now they made it to a XXXX charge amount. So now its resolved.

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 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-19 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: NE

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi closed my account for no reason with {$10000.00} in it and is still refusing to send me the check. It's been 55 days since I've been locked out of my account which is approaching even Citi 's own deadline for sending me the funds. I tried sending in several CFPB complaints but the analyst on the case XXXX has been completely incompetent and unprofessional. His manager refuses to assign someone else. I need my funds and I need anyone but XXXX on this 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 explanation
Consumer complaint received 2023-10-18 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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-18 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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