vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had an Apple Card balance {$530.00} in XX/XX/XXXX. On XX/XX/XXXX, my father XXXX XXXX XXXX XXXX XXXX XXXX his XXXX checking account ending # XXXX to pay off the balance. Apple Card is issued by XXXX XXXX. 

On XX/XX/XXXX, the AutoPay charged me again from my XXXX checking account ending # XXXX for the same {$530.00}. 

I called Apple to refund the duplicated amount from my checking account, I was told to go to my bank to set up a dispute to recover account, they could not refund directly, since it was an autopay. I followed the instruction, and I recovered the duplicated {$530.00}. After that, I got Apple email on XX/XX/XXXX saying that I owe {$530.00} plus interest, which is XXXX. It has been showing in my Apple Card message until now. 

Since then, I contacted Apple Card through phone calls and Chat many times. I was confirmed that they did see the {$530.00} payment history, and would resolve the issue. They also told me that I would get an email, so I can submit documents with explanations.. 

I never got any emails to allow me to submit written explanations. I got 4 managements calling me, I had t o repeat the same explanations over and over again, but none of them resolved the issue. I was also told to use Apple Chat, and I did. 

The XXXX one told me to expect an email to explain ( XX/XX/XXXX ), it never happened. The XXXX one said the {$530.00} actually went to my previously closed account, asking if I was willing to transfer to the currently active account ( XX/XX/XXXX ). Then the line got cut off, she never called me back. The XXXX XXXX told me to do Apple Chat ( XX/XX/XXXX ), I told her that I already did, and I was promised an email ( XX/XX/XXXX ), I got no email. The XXXX one asked me to call Customer Service, and suggested the I paid the minimum {$25.00} ( XX/XX/XXXX ). 

I finally learned after about 1 month that I would not be able to resolve this issue by myself with Apple Card, and currently I still see my Apple Card being " restricted '' with {$540.00} balance. Apple Card did not reject the payment from my closed card, after they knew it, and they would not transfer it to my active account to resolve the issue, even if I already authorized it. All the phone calls were recorded, and XXXX history is still there. 

With the next charge cycle coming, I would like to request to transfer to close my balance, and waived the interest charge. They would not allow me the chance to submit the documents with explanation thru emails, as I am doing now, I have to resort to you. And the default history will hurt my XXXX XXXX. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
On XX/XX/2023, I was told by a loan company ( I am applying for a loan ) that on my credit reports from XXXX and XXXX, I had an account from XXXX XXXX that had been sent to collections. I do have a current account from XXXX for XXXX years that I have never been late on a single payment. On XX/XX/XXXX, I called XXXX XXXX XXXX times and talked to XXXX people including managers, All said they could not see details on the account -- yet they said one was there. I was able to give them an account #, listed on the credit report, # XXXX. A XXXX XXXX manager said to drive to an XXXX store where they could likely see more information on the account. On XX/XX/XXXX, I drove to the XXXX store and spoke with a manager. She said she would look into it and call me back within an hour, No call. On XX/XX/XXXX, I called and spoke with the XXXX store manager and she said she looked up the account and the name listed on the account was not XXXX XXXX, but she could not tell me what name was there. I called the collections agency, Focus Receivables Mgmt at XXXX and this is a message only line. I left a message to please call me. No call. On XX/XX/XXXX, I filed disputes with XXXX and XXXX. I also tried to get a phone number for a fraud problem for XXXX. No one from XXXX XXXX would give me a phone number. No one at XXXX XXXX seems to care about this at all. My credit score is downgraded XXXX XXXX  points for this incorrect posting on my credit reports. Even if I pay the debt {$1000.00}, it stays on my report for 7 years. I will include a copy of the information on my vredit report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: VW Credit
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT VW CREDIT XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 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 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
The interest charge and fees on my personal loan are much too high. Cancel the loan for me and return the money back to TRANSFORM CREDIT, INC.,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account # XXXX 1.XXXX XXXX XXXX XXXX XXXX, TX XXXX {$6800.00} / {$5200.00} 2. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, Trans union, XXXX HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2023-07-28 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: CA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX {$6800.00} / {$5200.00} XXXX. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, XXXX XXXX, Equifax HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Bankruptcy Reference # XXXX ; INQUIRIES : 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

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 2023-07-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a collection account with Equifax and XXXX. I informed the credit reporting agency I had no knowledge of having XXXX XXXX  account sent to collections. Equifax and XXXX failed to provide debt verification and/validation. The collection account was not removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/2023, a dispute was filed against Comenity. The report number is XXXX and I have no reason to believe that an investigation was done. Comenity has not updated the remarks to indicate that any true investigation was conducted. Account Number XXXX has not been investigated and has VIOLATED the FCRA 605- indication of dispute by consumer. attached are the dispute proof and how the account is currently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Miscellaneous Department and XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On or about XX/XX/ly 13th, 2023, Robinhood improperly locked my brokerage account without proper justification. The lockout was based on an incorrect interpretation of my location during a routine login attempt. I had logged in while on vacation in XXXX, which is not a Sanctioned Jurisdiction, as incorrectly assumed by Robinhood.

Subsequent attempts to clarify my location and resolve the matter were met with significant delays and unresponsiveness from Robinhood. 
As a result of the account lock, I have been unable to access my brokerage account and the funds held therein ( approximately {$10000.00} ), which is causing extreme financial hardship. The majority of my savings are tied up in this account, and the inability to access these funds has resulted in extreme stress and an inability to cover essential living expenses, including tuition, rent, and other basic necessities. 
Robinhood was grossly negligent with my request for assistance. It took over a week to receive an initial response from Robinhood, and it was a request for more information. It is important to note that there was no other way of reaching Robinhood from my end. Their support phone number plays an automated message before hanging up, and the only other method of contacting support is through the app. I was unable to do this because Robinhood locked his account, thus preventing me from signing in.

As of XXXX XXXX, Robinhood has still failed to unlock my account, despite me sending in all the necessary materials to resolve the issue. I have attached a picture of the false accusation, along with proof of their faulty email server, which made it extremely difficult to contact their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened an account with Citibank on or around XX/XX/2023. I enrolled in an offer with the following terms : if I made {$1000.00} in qualifying debit card purchases and made two or more enhanced direct deposits totaling {$1000.00} or more within 90 days of opening the account, I would receive XXXX XXXX  bonus miles within 30 days of completing the requirements. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. On XX/XX/XXXX, I made a debit card purchase of {$1000.00}. On XX/XX/XXXX, I received a qualifying deposit of {$500.00}. I fulfilled all the requirements on XX/XX/2023. On XX/XX/2023, a Citi representative confirmed to me over chat that I had met the requirements on XX/XX/2023. Thirty days later, on XX/XX/2023, I had not yet received the bonus miles to my XXXX  account. I followed up with a Citi agent over chat, who confirmed that I had met the offer requirements and escalated my request to the dispute department. On XX/XX/XXXX, I received a response that said they could not give me an update on the status of the promotion because I had to wait 90 days from the date of satisfying the terms. I have since contacted Citi multiple times, with several agents confirming I met the requirements but saying they could not do anything about it. After I escalated my dispute a second time on XX/XX/XXXX, I got another response on XX/XX/XXXX saying I had to wait 90 days. That is far longer than the amount of time guaranteed by the offer terms, which state, " If you fulfill the Required Activities for this offer and are eligible under the qualifications of this offer, then the XXXX  bonus miles will be credited to your existing AAdvantage account within XXXX calendar days from the date you complete all Required Activities. Your Checking Account must remain open and in good standing from the time it's opened until you receive your bonus. ''

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