vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My parents ( XXXX XXXX XXXX bank at Ally and we have had a very hard time with them. My father was scammed and then has been the victim of identity theft and had multiple issues with his money being stolen. They have helped us but then today, my father got an email that our accountw were closed with no explanation except to call if you have any questions. He called me and we logged into our accounts ( I handle most of their finances ) and see a withdrawal of ALL of their money. {$36000.00} from the main account and the balances from all three accounts show withdrawn and the accounts closed. I call right away, trying to figure out how someone got the money since it doesn't have any explanation- like a transfer? ATM? Cash? After an hour on the phone with support who also is confused and can't figure out how the money was withdrawn, she is finally able to talk to another department and we are told the bank closed the accounts and put checks in the mail to us. By now my mother is needing medical attention, afraid that their life savings is gone. So, I say, please cancel those checks and put the money back and we will transfer it out. They say it is a bank check but they can not cancel and we just have to wait the 7-10 days. I ask if we can get confirmation of why the accounts were closed. Again, did someone call and request this and has some plan to steal the money? We are told we have to wait for the explanation and checks to arrive in the mail. So, we can just freeze your ALL OF YOUR MONEY with NO WARNING and it is within their rights to do so? I don't care if they close our accounts but now we have no access to our money and no confidence that we will get it. It is a nightmare. It does not seem like it should be legal for them to essentially freeze our money with no warning or explanation. This is devastating.

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 2023-07-17 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: CA

Complaint narrative:
I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.

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 2023-07-17 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: CA

Complaint narrative:
I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.

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 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I was text an approval letter. I was asked by phone which of the options I would like. I was then told that I needed to provide my username & password for my bank accounts so they could verify my account. I said I was not going to do so, but would be happy to provide pay stubs, bank statements to prove my application was accurate. He hung up on me. I was give the clear impression that I was already approved. I was sent only one text with the attached letter. No additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2 months ago I had my card stolen and reported it, and when XXXX tried to activate a virtual card for my digi wallet he froze my acount for 3 days, 3 days I did not eat, so i told them to close mky acount, didnt happen, ..Last week I called wells fargo, XX/XX/2023 XXXX told them to close my account as soon as the balance was XXXX to not honor auto pays because im tired of all the XXXX dollar over drafts that they strategicly slip in there, they have not done so, just got another overdraft, please 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 monetary relief
Consumer complaint received 2023-07-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In late 2022 I was a victim of credit card fraud. I became aware when the credit card company began collection efforts. When contacting the company, I was asked to provide a list of information for their investigation. That list included copies of two months of checking account statements and if we suspected someone could have accessed my personal information. That was sent to a po box for their company at their request. When no action was taken, I called to follow up. They claimed they had yet to receive it. They asked to be sent to a second suggested po box , which I did. That second communication to them was verified received, yet they claimed they never received it. They then suggested it be sent by fax to their fraud department, and that was done. On XX/XX/XXXX, they verified by phone it had been received but would take 15 days to upload in their system. On my XX/XX/XXXX follow-up call to them, they then said it had yet to be received and asked for the fourth time to fax a different fax number which has been done. 
They need to be more truthful about receiving the information THEY requested.

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 2023-07-18 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account 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 explanation
Consumer complaint received 2023-07-17 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: MO

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-07-18 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: FL

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

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 2023-07-17 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: MO

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I recently reached out to Equifax on XX/XX/2023 asking them to investigate the accuracy of my credit report. I sent a formal letter via USPS mail on XX/XX/2023 detailing the inaccuracy I wanted them to investigate. It has been over 30 days have I have not heard back from them or the creditor. Based on FCRA law and guidelines they are out of compliance for failure to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently disputed negative/incorrect items on my credit report and never got a response back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Fl XXXX To whom this XXXX concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also while looking at my Consumer Report I see that Regional Acceptance is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I had numerous medical procedures with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Georgia, now doing business as XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I am insured, and my insurance has paid every bill submitted by the provider. On XX/XX/2023, I had a procedure that was billed to insurance in the amount of {$17000.00}. XXXX XXXX XXXX XXXX XXXX has negotiated discounts with this provider, and the amount discounted was {$14000.00}. On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX the amount of {$2300.00}, leaving a XXXX balance, as confirmed by the Credence Explanation of Benefits. Notwithstanding the payment in full, and after hundreds of harassing calls by the vein clinic where numerous times they acknowledged payment and that it was an accounting error by their billing department ( as recently as today ), XXXX XXXX has now referred this claim over to a collection agency, without even sending any notice or documentation at all since XXXX of this year. I provided a written email to the billing address attaching the Explanation of Benefits and documenting XXXX XXXX representatives harassing behavior and never received any response beyond a note that it was under review. I have provided the EOB several times in writing. XXXX XXXX XXXX XXXX XXXX has held numerous phone calls with XXXX XXXX where XXXX XXXX has confirmed no amounts are owed by me, but XXXX Vein nonetheless has continued to pursue this baseless claim. On numerous occasions I have called to attempt to resolve the matter, and am always told it will need to go to a supervisor, but it never gets resolved. I have an email from XXXX of their representatives on XX/XX/2023 stating that They have detected the main XXXX issue and their [ sic ] now sending it to XXXX XXXX to review, this [ sic ] are the notes. Account was Adjusted incorrectly by XXXX, resent account to Upper Management to Resolve Issue and Adjust Account. But the calls continued. Their agents have been threatening at times, including to a Credence representative who documented the behavior. I am at a loss to get them to stop harassing me and withdraw the claim, and am afraid this baseless claim will negatively impact my 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 explanation
Consumer complaint received 2023-07-17 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: MO

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
See CFPB Complaint XX/XX/23. 
The attached files all show how I was able to deduce the main gist of this complaint. That credit reporting agencies ( CRAs ), and sometimes Credit furnishers ( CFs ), and some collections agencies grossly abuse their status and position in their perspective industries by manipulating individuals credit reports with either outdated, incorrect, or sometimes manufactured information.

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 2023-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also while looking at my Consumer Report I see that XXXX XXXX is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: IN

Complaint narrative:
I am a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Equifax is refusing to comply. Equifax claims they can not find my credit report. Equifax claims that I never sent them ID documents. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Back in XX/XX/2023 I applied and was approved for Apple Credit card and purchased two laptops for my children. Next day I went to XXXX and found the same laptops {$500.00} cheaper. I called Apple and asked for price match which they refuse and told me to return the products, which I did the following day. I have not received any communication from Goldman Sachs or Apple in the mail and on XX/XX/XXXX, I received an alert from my credit monitoring company regarding late payment on my credit report. I started to investigate and found {$120.00} balance on Apple card. I did not receive any statements or communication from Goldman Sachs or Apple regarding this and was completely shocked since I returned all what I purchased for full refund. 
I called the number on the credit report and spoke to the Goldman Sachs representative, who informed me that the balance due reflects daily cash/cash back that Goldman Sachs gave me for the purchase. I have never received anything from Goldman Sachs or Apple and never had the access to the cash back they are referring to or have knowledge about. I did not redeem anything and like all normal credit cards require did not approve any redemption. The account Goldman Sachs claims the cash was sent to, has never been setup and I do not use Apple wallet where the Goldman Sachs claims the cash will show up. 
On XX/XX/XXXX, I made a payment to pay the balance on the card which I do not owe to them and I have no access to the cash they referring to. Also, on the top of that, I have a late payment on my credit report that significantly affected my nearly perfect score. I contacted Goldman Sachs multiple times and spoke to many different supervisors and representatives and no-one is willing to do the right thing and remove this scam of my credit report and return my money.

Company response to consumer: Closed with non-monetary relief