vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: MD

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-12-22 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: MD

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-12-22 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-12-22 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: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
I contributed {$1500.00} through my payroll to Dependent Care Flexible spending account at Optum Financial. After my employment terminated on XX/XX/2023, I called Optum ( in XXXX and XXXX ) regarding how could I access these funds for my expenses. At that point my account stood cancelled and I was unable to file online claims. I was asked to file paper claims. 

I was not given in writing/email or told on phone any deadline associated with filing these claims. When I filed the claim in XXXX, Optum now tells me that there was a 90-day deadline after my employment ended and that they can no longer distribute the funds. The funds are still with Optum. They claim mail was sent, but I never received it. I have called Optum 5-6 times regarding this issue and each time I received conflicting information ( regarding the deadline and once was also told to go ahead and file the claim and it should be processed ). On our final call, it seemed they were interested in finding ways to pin the blame on me rather than owning up that they were unable to convey to me the deadline information. It is unfair that the money I contributed with my salary ( and is not a company benefit ) just flows back to Optum when I have valid claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-12-22 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-22 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CO

Complaint narrative:
My old student loan servicer, XXXX XXXX is still reporting XXXX student loan balances that they no longer hold, the accounts moved to XXXX. So right now, my credit reports show that I owe double the amount of student loans than what is actually owed.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/16 I completed loan app was offered a 8 % interest rate. At this times rates were high XXXX % and I have over a XXXX credit score. I went in the branch for help and was told to call another phone number and I left branch called the number and was told there was nothing they can do. All I wanted was understanding as to why a person with low XXXX and high credit score of over XXXX could be offered such a high interest rates when there were lower rates being offered. I bank with them for years and paid off loans there Yet Im still confused how this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
*My true correct prevalent full uncontested first and last name is XXXX XXXX XXXX , my street # and street address are XXXX XXXX XXXX XXXX XXXX XXXX, my city is XXXX XXXX my state is NC, my postal zip code is XXXX, my existent legally state-rendered social security number or Last XXXX i s XXXX, and my date of birth is XX/XX/. These are my unchallenged reportable personal identifiers. This facts is and expressly is and only is precisely as listed above in this note. I request removal of each and any other potentially reporting derogatory-linked personal identifier data and each and any such potentially reporting that is one or any of being not necessarily-made known, outdated, untrue, inaccurate, incomplete, unproven, unconfirmed certifiably compliant in reporting or elsewise deficit of documented validation. I do not want you nor any being to report ANY claim versus me potentially questionable and or not timely demonstrated descriptively correct and in agreement with requisite ( s ) described upon my here now contesting the claim 's report-ability, and my accost to you to substantiate the reporting practice ( s ) related to the accusations debatable. 

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. 
XXXX XXXX Account Number : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-12-22 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: NY

Complaint narrative:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-22 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:
I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2023 I received an email that my account was over draft to find out that a Merchant used an old debit card that I lost for payment. I lost my debit card and it is not the first time this year, I lost my debit card around XXXX times, I have a head injury and lose things at times, I am XXXX. I should not have to explain this however that is my XXXX issue, I should not be condemned for it. However PNC allowed a Merchant who had my old card use to pay for services as the account was no longer on hold. 

I gave the Merchant my card only for a deposit for {$50.00} and after I return the car I suppose to have the {$50.00} returned which the car is returned. PNC is now in an issue that they did not have to any business to be involve in however violated my rights to allow a Merchant to gain access to my account after my debit card was lost. Now I am in fear that other Merchants can do the same.

The PNC customer service manager called me last night as if I was a child and it made me so angry as she was passive aggressive speaking down to me. She was not empathtic to my needs however insenstive, stating, when we send you the documents please send it back to us in a childish tone. 

PNC bank has no business authorizing anything without my permission and when it was explain to me the hold was drop when I rent the car how you going to allow the Merchant to go into my account!! They changed the policies and rules ; and PNC bank is unethical,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My old student loan servicer, XXXX XXXX is still reporting XXXX student loan balances that they no longer hold, the accounts moved to XXXX. So right now, my credit reports show that I owe double the amount of student loans than what is actually owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CO

Complaint narrative:
My old student loan servicer, XXXX XXXX is still reporting XXXX student loan balances that they no longer hold, the accounts moved to XXXX. So right now, my credit reports show that I owe double the amount of student loans than what is actually owed.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Due to issues of fraud alerts I recieved I placed a credit freeze at all three credit companies. Since that time I have to lift and replace the freeze but when doing this with Transunion their website for handling this is not functioning and I have had to do so via the telephone. This is a long and difficult process due to wait times in answering the phone. It has not been weeks and there seems to be no progress or information available as to when they plan to fix their website.

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 2023-12-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: NY

Complaint narrative:
On XX/XX/2023, Bright Money made an unauthorized payment on my XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My card ending in XXXX was credited {$2000.00} and my other card ending in XXXX was credited {$990.00}. I discovered this happened on XX/XX/XXXX. I immediately tried to contact Bright Money via phone/ email to address these unauthorized payments-which was unsuccessful until Bright Money called me to let me know I had increased my credit line. The unauthorized payments were brought to their attention. Bright Money app is advertised as your super app for deleting any debt, with 92k reviews with 4.8 stars on the app store. I used Bright Money in XXXX of this year to help pay off credit card debt with a lower interest rate. The payments made on XX/XX/2023, were unauthorized! 
On XX/XX/XXXX I also contacted XXXX XXXX XXXX in desperation looking for help. At this time, I started to think I was scammed, and that Bright Money wouldnt contact me. On my call with XXXX, I was told that the payments couldnt be returned and that they would dispute them as an overpayment. When I received the letter from XXXX on XX/XX/XXXX, I understood it as a payment adjustment and didnt know that a check of {$2000.00} had been sent to Bright Money. 
Ive attached all my emails since XXXX with Bright Money. Not once did anyone tell me that they had received a check from XXXX. In fact, I was told that the only way to reverse this was to have Bright Money charge the amounts back to my cards. The charges were finally reversed on XX/XX/XXXX, after being declined 3 times. On one of my many calls with XXXX about these charges, I addressed my concern about the payment adjustment of {$2000.00} on card XXXX. I was told that fraud would catch it and adjust it once the chargeback from Bright Money went through. 
I called XXXX on XX/XX/2023, to address the payment adjustment of {$2000.00}. On this call I was told that a check was sent to Bright Money of {$2000.00}. As of XX/XX/2023, XXXX has declined my claims twice of this error and Bright Money sent me a refund of only {$670.00}. Bright money still owes me {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The response was that all XXXX charges had to be paid in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 NC XXXX The following personal information is incorrect

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 NC XXXX The following personal information is incorrect

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 2023-12-22 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing emotional street on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with non-monetary relief