vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and 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 2024-07-25 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: FL

Complaint narrative:
TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX ) XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.

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 2024-07-25 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: FL

Complaint narrative:
TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX ) XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.

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 2024-07-25 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: OR

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong 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 non-monetary relief
Consumer complaint received 2024-07-26 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX I applied and received a line of credit for XXXX to purchase a new phone. For the whole year I have paid on time and have had no issues. On XX/XX/XXXX I logged in to try to pay off the remaining balance of my phone to prevent deferred interest from being changed on my account. I was directed to a new webpage and asked to select what company I was using the credit for, in this case XXXX. 

This directed me to the XXXX XXXX page which is run by TD Financial. It asked for my log in and password then explained I would need to reset my password. When I clicked to try to reset my password I was prompted to put in my user name again, I do not have an actual credit card number as far I know. When I click to advance the password update I am told " Sorry, please check the input and try again. '' I called the only hotline number for the company and was on hold for five hours on Monday, three hours Tuesday, 4 hours Wednesday, and 2 hours so far today. I have been unable to reach anyone to get this resolved. I have until tomorrow to pay this amount to avoid deferred interest but am unable to pay or find another way to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
Upon reviewing my credit reports, Sagestream is showing a Bankruptcy that was reported fraudulently on my credit reports ( XXXX, XXXX and XXXX ). Upon receiving a letter from the United States Bankruptcy Court, clearly stating that they do not provide any information to the credit bureaus, therefore, reporting this is from a third party intel, as well as without consent of the consumer making it fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Bank of America Account was accessed without my consent thousands where stolen from my debit card money from my XXXX and XXXX accounts was transferred into my Bank of America account and then it was stolen multiple transactions where made none of them by me I made a claim with Bank of America and it was denied I need help returning my stolen money

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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I have a Credit Card with Avant. I have always paid on time. I am retired and receive funds on the XXXX of the month. And I always pay when I get money. However, I made my XXXX payment, and my XXXX payment on the XXXX. I received an email that I was being charged a late fee for not paying my XXXX payment. 
I called and was informed that I could not make my payments before the due date of the XXXX. If I did they would be applied to the previous month. 
This is what they did with my XXXX payment, applied it to the XXXX payment, which I had already paid. And I received notice that I was overlimit and that I would be charged a late fee of {$25.00}, which I told them I would not pay because my payment was made on time and before the due date. 
I am quite sure I'm not the only person that they are taking money from. If it was where I could, I would pay them off. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong 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 2024-07-25 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: OK

Complaint narrative:
My ex husband had my drivers license. There's 3 cards on my account 5hat don't belong to me. Obviously the cards thst do you see we pay on time every single month. These 3 cards one is XXXX XXXX XXXX XXXX XXXX  And I'm not sure they other one it started with an f. I don't remember the name. Look. They have gotten a xar even a house in my name his girlfriend looked a lot like me I can't seem to do anything but suffer the credit or pay thier bill. I'm not paying thier bills anymore.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Deleted Account that is not mine Reappears on a Credit Report with XXXX XXXX information i had this removed got no notices it was re added

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. XXXX and XXXX both provided me with copies of my credit report, but Equifax has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, XXXX refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with XXXX XXXX and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
I am currently selling a home in XXXX  that we purchased in XXXX with a XXXX loan. I have moved to XXXX this month on XXXX XXXX XXXX. We secured a buyer in XXXX for a XXXX  loan assumption with our current mortgagee, Freedom Mortgage. We sent our initial Assumption Packet to Freedom on XX/XX/XXXX. We did not thereafter receive contact or calls from Freedom until we emailed on XX/XX/XXXX asking for an update. I received a call from Freedom on XX/XX/XXXX stating that they had a call set up on XX/XX/XXXX for the buyer to complete his portion of the application. This was completed on the XXXX. At this point we were quoted a XXXX day timetable to approval of the assumption. 

On XX/XX/XXXX I received an email from a different party at Freedom asking me to execute a XXXX XXXX XXXX, after which the timeline would be XXXX days. This was already more than a month after I was initially quoted the same timeline. I returned the executed form the same day, XX/XX/XXXX. The agent confirmed that there were no outstanding requirements to the assumption. On XX/XX/XXXX, one week after we had confirmation from Freedom that everything necessary was turned in, we received notification that the assumption had been submitted for initial underwriting. We have now been paying mortgage in a home we no longer occupy as a consequence of a XXXX move in addition to paying for housing in our XXXX XXXX station. We believe that Freedom has violated the VA 's 30 day statutory requirement as stipulated in the VA Lenders Handbook given that we were told they were in receipt of a compete assumption package on XX/XX/XXXX. 

Throughout this process several calls and emails went completely unanswered. When we did receive emails, they often provided partial answers or completely left out a response to one of our questions.

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 2024-07-26 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2024-07-26 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd

Complaint narrative:
My Wise account was deactivated on XX/XX/XXXX and I had no chance to appeal ( I could not even log in my account anymore ), though I am a legit user and I did not violate any terms and conditions. I want to send this to Wise team but I do not know how to send them. 

Hi Wise team ; I read carefully your Terms of Services and I really don't know how I violate the terms. 
I submited an appeal again and also I want to provide additional information as the followings : I am a legit individual seller on multiple gaming marketplace websites. 

XXXX. Money into my WISE account : Nearly 100 % of my money inflow is from my revenues from marketplaces websites : - Playerauctions.com : I withdraw my balance from XXXX directly into my Wise account - XXXX XXXX I withdraw my balance from XXXX directly into my Wise account - XXXX : I withdraw my XXXX balance money into my XXXX  account ( because no Wise option on XXXX ) and then to WISE account XXXX. Money out from my WISE account : I use my WISE account balance to : ( XXXX ) Pay my suppliers ( who also accept WISE ) ( XXXX ) Exchange USD from my WISE to other currencies ( also to pay my suppliers ) on some XXXX exchange website ( mostly I use XXXX ) : XXXX XXXX ( my local currency ), XXXX Please review my case and help to unlock my account as soon as possible so my business can continue. If you require any additional evedences, please let me know. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NJ

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Activity is XX/XX/year> but the reporting has no data to support. 
Account name : XXXX XXXX  XXXX  Account # 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 2024-07-25 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: OR

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief