vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX credit XXXX XXXX XXXX and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXXXXXX XXXX  in XX/XX/XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX  in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-04 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX credit XXXX XXXX XXXX and Equifax credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I requested a copy of my written consent and never received it. This account is also on my credit report however it has been XXXX years. This account is too old to be on my credit report. And it should not have been shared with non-affiliates and 3rd parties and non-affiliate 3rd parties without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. It is hurting my ability to obtain 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 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had an account with Citi Cards for many years. I decided to close the account as I was not happy with the interest rate they were charging. I payed off all of the amount due and after ensuring that I had a XXXX balance I requested the account be closed by sending a letter together with my final payment to the appropriate address on XX/XX/XXXX. Subsequently I received a statement with several charges that I had not made totallin {$79.00}. I contacted the customer service department and explained that these charges were not mine. They forwarded the information to the fraud department and the charges were disputed. I was told I was not going to be responsible for these charges. Eventually, I received a statement with a credit for these charges, however, this credit was reversed and I was billed for the same amount once again. My account continued to be open and I continued to get statements indicating that I owed the fraudulent charges. On XX/XX/XXXX I received a check, addressed to me, for the amount that was being disputed. I continued to be billed for this amount, plus the accrued interest of the " unpaid '' balance, even though I had disputed these charges, asked to close the account, and had not cashed the check they sent me. By this time I had, for the third time, contacted Customer Service and was assured that the account was closed, yet I continued to receive statements. Additionally, they sent me a NEW set of cards which I obviously did not request. I called and spoke again to customer service and was advised to return the check as payment for the credited amount. I still have the check in my possession because it is addressed to me, reason why I fear will not cancel the amount they are billing me for. By now they have sent me numerous statements, texts and emails requesting I pay the {$79.00}, which, with their added interest has risen to {$80.00}. So, in addition to the non-responsiveness to my clear request of closing the account, they refuse to address the issue of the fraudulent charges being billed ( charges which I did not make ). I am afraid that these fraudulent charges and subsequent issues such as the added interest and the fact that I will not pay these charges, will affect my credit score.

Many thanks for your 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 2024-08-04 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of THE XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to FACTUAL DATA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R

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 2024-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of THE XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to FACTUAL DATA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute the alleged following debt currently associated with my XXXX, XXXX, XXXX and XXXX accounts. XXXX ) XXXX XXXX {$600.00}. I believe that my rights under federal law are being violated, and I am disputing owing any and all debts purportedly held by these agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of any debt claimed I owe. Accordingly, I am requesting the validity of these alleged debts as required by federal law. XXXX ) Please provide a comprehensive validation of this debt, including a detailed account of how this amount was calculated. XXXX ) I request a copy of the original purchase order agreement between the collection agency and the original creditor, as proof of the debt 's origin and validity. XXXX ) Additionally, I am requesting documentation that demonstrates the agency is currently licensed and bonded to collect debts in my state. Furthermore, I hereby revoke any and all rights of any debt collecting agencies to communicate with me through text, phone calls, email. I am exercising my right to request that all future communications regarding this matter be conducted exclusively through written correspondence sent certified to my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: NV

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the list accounts below of has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX XXXX Bank : Acct : XXXX XXXX XXXX  XXXX Bank XXXX Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXXXXXX : Acct : XXXX XXXX. XXXX XXXX Bank Acct XXXX XXXX XXXX. XXXX XXXX Bank XXXX Acct : XXXX I have had a chance to review my XXXX Credit Report on XXXX the XXXX 2024 and notice some discrepancies, and things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be incorrect or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Thank you sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed than an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates. XX/XX/XXXX, XX/XX/XXXX I am not requesting that an investigation is provided and that the CFPB provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand that these late payments be updated to paid on time immediately. Thank you for your understanding and prompt action in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as described : 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( a ) : 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 The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-04 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: OH

Complaint narrative:
transunion These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit XXXX looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 

XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX {$710.00} XXXX, XXXX, XXXX -- -closed -- XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX bank {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX  Bank {$1000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022

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 2024-08-04 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: OH

Complaint narrative:
transunion These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit XXXX looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 

XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX {$710.00} XXXX, XXXX, XXXX -- -closed -- XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX bank {$1200.00} XX/XX/XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX Bank {$1000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022

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 2024-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a computer with an Apple credit card via Goldman Sachs. I have repeatedly tried to make payments, and escalated the issue with their customer service dept. They have repeatedly told me they can not take my payment information. They are now charging me late fees and penalty interest despite them saying they can't take my payment info. 

I have tried at least a half dozen times over the last three months to get this issue resolved. I have called them repeatedly to get this resolved. Each time they have said they can't take my payment info and request I use another account other than my primary account with my credit union. I do not have any other bank accounts. 

I went to my credit union to get advice from them on how to handle this, to get Goldman to take my payment info, and my credit union said I should give Goldman my XXXX number. Goldman says they won't take my XXXX number. 

I believe that they are deliberately obstructing my attempts to pay because I do my banking with a credit union, and to exploit this issue to increase the amount I have to pay for the computer I bought using their card via Apple. 

I want the CFPB to intervene and set this right, and to fine or penalize Goldman in any way possible for their bad-faith bargaining. Again, I believe they are deliberately obstructing my attempts to make a payment so they can charge me additional fees and interest on my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
I was trying to send {$350.00} with Wise on XX/XX/year>. I set up transaction and transferred {$350.00} from my bank account to Wise. Same day wise confirmed they received my money. 

Transaction would not go through and get stuck marked as 'sending ' on their website. 

On XX/XX/XXXX I contacted wise support with an inquiry about my transaction. Support team pointed to an older message from them, the request to 'active ' the account by sending more money with them ; transferring money to their website ; or getting them more details about the account. 
I already sent more money with them on XX/XX/XXXX, but smaller. However, that transaction would get stuck on 'sending ' too.

Company response to consumer: Closed with explanation