vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This complaint is to put on notice that Equifax received my letter today and starts the clock for them to respond to my request. I have included my letter with tracking and a certified mail delivery receipt with signature. As a courtesy, I have also sent this letter and return receipt to XXXX XXXX XXXX the State attorney general of Georgia and My state attorney general XXXX XXXX XXXX to ensure compliance and further investigation into the investigative procedures by Equifax and maintenance and processing of my credit file to ensure that ALL federal laws have been applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Department Store National Bank has denied my right to credit as I applied for a Macy 's American Express Card on XX/XX/2021. Pursuant to 15 USC 1681a ( k ), Department Store National Bank violated federal law by denying my credit application. DSNB also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Goldman Sachs Bank USA has denied my right to credit as I applied for an Apple Card on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Goldman Sachs Bank USA violated federal law by denying my credit application. Goldman Sachs Bank USA also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
XX/XX/2022 I have an account with gemini, and they suddenly froze my account. I have attempted to reach out to them, they keep asking me to send pictures of myself with my ID for verification. I have completely done this verifications for about 4-5 times without any response from them, I would like for them to reactivate my account, or return my funds, I'm scared that I would lose all my money and this is creating a lot of tension in my family, I need my money back. I was able to log in earlier but now I can no longer log in because my account is frozen and I dont know why, please help me get into my account so I can withdraw my money back thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, 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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 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 2022-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a savings account with CitiBank NA in response to a promotional mailer received in XXXX of XXXX. I was unable to fund the account within 20 days as required per the promotional offer conditions as due to a technical error ( error XXXX ) I was unable to view the terms and conditions associated with the account. 

On XX/XX/XXXX Citi informed me that inspite of the technical error that they will not provide the promotional balance. As a result, this account no longer meets my needs so I sought to close the account on XX/XX/XXXX. Prior to closing the account I went to transfer funds to my verified external checking account ; however, Citi has restricted my ability to transfer funds to external accounts. This is inspite of the fact that Citi is able to accept additional fund deposits from this account. 

Given this issue, I called Citi Phone banking at XXXX and after waiting on hold for approximately 15 minutes spoke to a personal banker, XXXX, who was unable to help me but transferred me to online banking support. After waiting on hold again, I received a message that the online baking support department is closed. 

I then called Citi Phone banking again at XXXX and after waiting on hold for approximately 20 minutes I spoke to XXXX. I informed XXXX that I wanted to close my account and when asked for the reason why shared that I have had poor experiences with customer service and technical support. XXXX then asked for my credit card number at which point I clarified that I am not attempting to close a credit care account but rather a savings account. XXXX then informed me that he only supports credit cards accounts but was happy to transfer me to another department.

I declined to accept the transfer as after spending over 40 minutes on this issue no longer had time to work on it.

I need to understand 1 ) how to transfer funds to my external checking account as quickly as possible and 2 ) how to actually close this account. Note that when logging into Citi online the only contact options presented are to correspond via mail or phone ( there is no option for live chat or a secure message ).

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 2022-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Lane Bryant ( Comenity ) keeps calling regarding a deceased ex in-law. This person isn't even related to me. The company calls once a day or at least every other day. I received a messaged this morning XXXX ( XX/XX/22 ) from Victoria with Comenity, number ( XXXX ) XXXX ext. XXXX. 
I haven't written down all the dates and times, but the first phone messaged I received was from a XXXX ', I believe, and I called and talked to him that day in XXXX. I didn't give him my name and number, because he didn't need it. However, I told him the person, I gave the name, they were calling about was deceased. His response was that 'how are we supposed to stop calling you if you don't give us your name? ' and I said 'This person is deceased ' and 'I 'm just calling to let you know that " I figured that since I don't have ties to this person ; she was an in-law by a previous marriage that they would stop calling. So not sure how they even got my number and why they are calling me. 
Anyways, XXXX hung up on me, and the phone calls keep coming. 
Another time that I wrote down was on XXXX XXXX called regarding this ex in-law again, her number ( XXXX ) XXXX option 1 ext, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CreditNinja Lending, LLC
State: UT

Complaint narrative:
I agreed to a settlemnt in XX/XX/XXXX with this company, they automatically debit my bank every two weeks, the settlemt is to complete XX/XX/XXXX, now they are trying to say i defaulted but they have never called me or sent me a letter, and they have contunued to defuct money from my account, i found out by a threatening email to sell my account, i have called to talk to manager XXXX XXXX and left numerous messages but she will not return my calls the only time i missed a payment was in XXXX when i had covid and i called them and the rep never mentioned on the phone that my settlemt would no longer be honored, they are still continuing to auto debit my account according to the settlement, if the settlement was not honored they should have stopped debiting my account but they continued XXXX still continue to this day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information 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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 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 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I got a new phone number through my phone carrier, and for months now since XXXX of 2021 I keep receiving calls and voicemails from the past owner of my phone number ( Her name from these voicemails was XXXX XXXX XXXX or something I cant make out from the voicemail ). XXXX XXXX recycles phone numbers, so I had received this one from her. I have no idea who this woman is. 

Please please help me to make these calls stop. I keep on having to report these calls and scams/fraud. I even had to change my phone settings. Last month alone I had 337 unwanted calls received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I checked my credit report ( XXXX ) and saw an account by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to XXXX, their parent company XXXX XXXX XXXX XXXX, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

XXXX XXXX, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit XXXX and related documents ) The packet ( attached ) was sent to XXXX XXXX and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed 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 2022-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: PA

Complaint narrative:
I received a debt collection notice from Diaz and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX regarding a loan balance of {$1000.00} from XXXX ( acct # XXXX ) that is not mine. XXXX, the debt collection agency, sent me a letter stating that if I pay {$350.00} to them, the debt will be resolved. I called Diaz & Assoc and they said that it is a loan from 2011, they had my name and last four digits of my social security number. I told the representative that this is not my debt, that I have never done business with XXXX, nor taken a loan out with that company. The representative, XXXX, said that the loan would be closed but I want to make sure that this is not fraud, and that the case has actually been closed and will not affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax has furnished information on my credit report that I did not authorize by written consent, therefor it is identity theft. They also exclaimed they need a copy of my social security card for " identification '' but a social security card is not intended for personal identification purposes. I should not be denied my right to have items removed for not disclosing my social security card or number.

Company response to consumer: Closed with explanation