vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from XXXX XXXX with a balance of {$14000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission 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 2024-11-01 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: VA

Complaint narrative:
METHOD OF VERIFICATION IMMEDIATELY! 
Response to CFPB Complaint:XXXX I Have Attached FTC Identity Theft Report # XXXX I am requesting to know what does Transunion considered to be a reasonable procedure when investigating your disputes? 

What steps are taken when a dispute comes through to your company? 

Is your team looking for the verification and tangible evidence? 

Explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 

What certified documents were reviewed to conclude your investigation? 

Provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft?

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 2024-11-01 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-01 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on XX/XX/XXXX of 2024 I sent a letter to Transunion requesting that they validate a number of accounts that were on my credit report that were erroneous in nature. not only did it take them over XXXX  days which is XXXX  the time by law for them to investigate a dispute but once they did finally respond it was with a generic letter stating that the account was verified but didnt provide any proof.

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 2024-11-01 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: IL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-11-01 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: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2024-11-01 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:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I never filed bankruptcy the address on report is not mine i have uploaded previously ftc report now i am going to upload XXXX  XXXX  has removed my bankruptcy XXXX  has removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
On XXXX XXXX, 2024, I received an email saying that I have a minimum payment of {$30.00} due on a card I have never used. I called in the system tells me that I have a {$51.00} balance. I finally got a representative on the phone and she tells me that it is a {$49.00} annual fee ( new ) and a paper statement fee of {$2.00}. Also, a new fee. 

They tell me they sent me an email in XXXX of this year. I did a search of my email, all boxes, and there has not been an email from this company since XX/XX/XXXX, which, incidentally, was a change in terms regarding a late payment charge and returned payment fee. I was not interested in this since I had and maintain a XXXX balance on the card. In fact, I used the card only once and ended up having to dispute the charge and Fortiva helped get the charge refunded. 

I was transferred to a supervisor who also refused to refund the charges. 

I was refused the billing address for me. Would not confirm. 

Also refused to give me my full account number. They told me to get it online but I don't have access to that since I don't have the account number and billing zip code. 

All I know is that the last XXXX of the account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
I have submitted multiple disputes to Equifax, XXXX, and XXXX. They have not been answered. There are multiple accounts that I do not recognize and have not received validation for. I have not gotten any response back from the credit bureaus. I have attached my disputes to this complaint. Please assist me in having them investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I got an email from Gemini stating they are closing my account without any explanation and that I have XXXX  days to transfer before Im locked out. I tried to transfer my XXXX  out of Gemini and to my XXXX account but Gemini website saying Im not allowed to do so. There is no way to contact Gemini for help besides online support which can take days or weeks but they only gave me XXXX  days to move my XXXX  but blocked me from moving my XXXX  out of Gemini. Im old and so frustrated with dealing with Gemini and need your help please before they close down my account and I will not have access to my wallet/money/XXXX. This is a horrible scam company and I need help with urgency please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>2024 I filed an unauthorized ACH charge form with my bank, XXXX  XXXX XXXX. I have attached the form that was submitted on this date. The charges that were disputed were on XX/XX/year>2024 for {$650.00}, XX/XX/year>2024 for {$650.00}, XX/XX/year>2024 for {$650.00}, and XX/XX/year>2024 for {$650.00}. The individual for these charges was named and not an authorized user for my business checking account. The last XXXX digits of the card were also not an authorized card tied to my business checking account. I received confirmation that it was received and would be processed. On XX/XX/scrub>, 2024, I received communication from XXXX  XXXX XXXX for claim XXXX and was informed that the charge would not be recovered due to a contract between the XXXX institutions. I was directed by XXXX  XXXX XXXX to reach out to the merchant, Discover, directly to resolve the issue. I contacted Discover on XXXX XXXX, 2024, and informed them of the situation. After speaking with numerous individuals, I was told that I needed to take the case up with my bank and that they would not work to rectify the funds that were disputed. They were not able to assist even though I had further information. They refused to assist and were not caring about returning the funds that were not authorized. I have a credit card account with Discover that is tied to this account, which makes me believe there was a mistake on their end applying the wrong bank account information to the wrong credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file.

Account to be blocked and deleted : COLLECTION Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} Inquiries to be blocked and deleted : XXXX  XXXX Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
Hello, I need to dispute 3 transactions made with my debit card due merchandize not received. I couldnt reach the dispute department by phone. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX I should have received all on XX/XX/year>, I tried to reach the seller several times but they never answered, please proceed with the chargeback request due merchandize not received. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We received an escrow refund of XXXX after escrow analysis. We also received notice that our payment is going up because our escrow is short XXXX. I called the company and requested that our XXXX be deposited into our escrow account and to have the analysis completed again so that our escrow would not be short resulting in a higher payment. The woman I spoke with let me know she did all of the things I requested including submitted a new request for escrow analysis. I had not heard anything so I called back in XXXX XXXX XXXX and was told that they would not be doing an escrow analysis because this would result in a refund check being sent out and that our payment is going up regardless of the funds that I had deposited into my escrow account. I asked to speak to another representative and he confirmed that there was no way to have my escrow surplus applied to prevent the increase in my payment and that the funds I had deposited would just sit untouched in my escrow account. I asked to have the funds applied to principal and the gentleman told me they would be applied. I called back today XX/XX/year> and the funds had never been moved and again I was told that the funds could not be applied to be escrow account. I asked the man to apply them to my principal and I was given a confirmation number of XXXX. I am unsure why they would be allowed to refuse my lump sum payment for my escrow shortage and then allow the funds to sit untouched for four months, and why they can refuse my request for an additional escrow analysis. We were never given an official option on how to proceed with our escrow shortage only told that it would result in a higher payment.

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 2024-11-01 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: MO

Complaint narrative:
I am a victim of a recent data breach and respectfully request the immediate blocking and deletion of certain accounts listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed to safeguard against further unauthorized use of my personal information.

Accounts to Be Blocked and Deleted XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MO

Complaint narrative:
I am a victim of a recent data breach and respectfully request the immediate blocking and deletion of certain accounts listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed to safeguard against further unauthorized use of my personal information.

Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}

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 2024-11-01 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 non-monetary relief
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
I have sent off letters to XXXX, XXXX and Transunion requesting that incorrect personal info be removed from my credit report such as nonmailable addresses, incorrect aliases and Un reachable phone numbers off 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 non-monetary relief