vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed 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 non-monetary relief
Consumer complaint received 2024-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and equifax ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 our company mailed a check for {$86.00} to one of our vendors for payment and on XX/XX/2023 that check was cashed for {$44000.00}. Within that small amount of time, our check was stolen out of the mail, washed and cashed. At the same time, our bank stopped mailing monthly statements, without warning, so we didn't discover the discrepancy until XX/XX/2023. The next day we went to the bank ( XXXXXXXX XXXX  ) and they told us we should have been checking our account twice a day, every day. We filed reports with our bank, the XXXX police department, USPS, our insurance, United States Postal Inspection Service, and even involved an attorney. The only information that our bank provided was that it happened with J.P. Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe to be outdated and inaccurate. I recently obtained a copy of my credit report from your agency, and upon reviewing it, I discovered discrepancies that require your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: UT

Complaint narrative:
I made an XXXX  deposit from XXXX to Gemini last XXXX and they have never credited the funds due to Gemini suggesting I sent the XXXX on the XXXX network. At the time they claimed they do not support the network. Although this takes more work for their developers they are perfectly capable of recovering these funds, but still refuse to credit my account. This " stuck '' XXXX has now appreciated to $ {$3300.00} at current market value. With Gemini being a large Broker and XXXX accounting for nearly 54 % of all XXXX market share, one would think it would be supported by now. I would like them held accountable and I would like them to credit my account. 

My transaction is below. 

I verified the wallet address XXXX  From : XXXX to XXXX Today 's value : XXXX XXXX XXXX Original Transaction Time : XXXX XXXX PM +UTC Transaction Hash XXXX XXXX $ XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) due to their failure to respond to my dispute. 
On XXXX, I mailed a dispute letter to TransUnion via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was picked up on XX/XX/XXXX. However, despite the confirmation of pickup, I have not received any response from TransUnion regarding my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like TransUnion are obligated to investigate consumer disputes within 30 days and provide a response. TransUnion 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.

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 2024-03-07 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: FL

Complaint narrative:
Tranunion an allowing this company to ruin my credit report. I sent them receipts and everything that I paid this off and I have a XXXX balance they will not, and they will refuse to update my balance. XXXX refuses to update my balance delete this off of my credit report. If you can not do, so this company has closed down.

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 2024-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of 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 explanation
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian Credit Bureau is repeatedly reporting late payments and charge offs from XXXX XXXX. I have disputed this account multiple times with Experian and they will not correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Citizens Access Bank, an online banking institution where I hold a high-yield savings account. This complaint concerns an unexplained and unjust freezing of my account, the subsequent blocking of debits including critical transactions, and a lack of transparent communication from the bank 's representatives and fraud department. 

On XX/XX/XXXX, I initiated a transfer of {$1000.00} from my Citizens Access account to cover my share of the rent. Hours after initiating this transfer, I received an email from Citizens Access informing me that my debits had been blocked. Upon contacting customer service, I was initially informed that the blockage was due to routine maintenance and that additional information was required to restore my account to normal status. I was assured that the issue would be resolved within XXXX hours. 

Contrary to this assurance, when I contacted the bank on the following day for confirmation, I was informed that my account was under review, and no further information could be provided. I was also informed, for the first time, that my account had been completely frozen, resulting in the return of my direct deposit to my employer. The lack of clear communication continued, with representatives and supervisors stating they were unable to discuss the matter. Furthermore, the fraud department has refused to engage with me directly to clarify the reasons behind the account freeze. 

This situation has left me without access to my funds, with no explanation or justification provided by Citizens Access Bank. The inability to access one 's own money, especially without a valid reason, is distressing and, to my understanding, may contravene banking regulations and consumer rights.

I trusted Citizens Access Bank as a reliable institution for managing my savings and transactions. However, this incident has significantly undermined my confidence in the bank 's operations and its regard for customer well-being and legal rights. Holding a customer 's funds without clear cause or communication is unacceptable. 

I hereby request a thorough investigation into this matter and an immediate resolution that includes unfreezing my account and a detailed explanation of the bank 's actions. I also seek assurance that measures will be taken to prevent such incidents in the future, ensuring that other customers do not face similar undue hardship. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information required as part of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX, I was called 4 times in a row by Ally bank fraud department number. I called the number back, it was indeed ally bank, so on the 5th call I answered. I was asked my two security questions, my favorite dog and my mothers maiden name. These ARE my questions from ally. I answer accordingly. They also confirm the last four digits of my debit card AND my mailing address. All of which they had I did not give out. They proceed to say there are 3 charges from XXXX Texas I need to confirm or deny. I deny them as they are not me. They claim one is a XXXX payment and the only way to ensure this payment doesnt go through is to withdrawal all the funds in my checking account so the payment is rejected. They claim they are freezing my accounts and my debit card and will expedite it at no charge. They will reimburse the {$15.00} fee that will occur if I overdraft and within 24 hours the account will be safe. I receive a text IN and ally bank text thread I already had, with a code. I read the code. They confirm things are frozen and I'll wait for a call on Tuesday. I text my husband and say hey dont use our debit cards. Next thing I know {$3600.00} is being taken out via XXXX XXXX. I immediately call back the number, ally fraud department picks up, they say theyve never called me. They did not authorize any frozen accounts or debit cards. I explain the situation by ally claims I authorized the transaction and am responsible. While I know now this was a fraud, this person used the ally bank number AND texted me within a thread already open with ally bank. They had all the right information including my security questions. When I went to screenshot the text, it quite literally disappeared. I clicked on it and it was gone. I have filed a police report and disputed the charges but ally is unwilling to cover the loss.

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 2024-03-07 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I purchased XXXX pair of Boots in XXXX, and I sent them back before the XXXX weeks was out. They were too big. I order XXXX and they were too big. I called XXXX XXXX, the first time talked to a man, and he was so nasty, told me you order the boots, and you need to pay for them. I said I sent them back he said you lying give me your card number and pay for the items I said no. I hung up and talked to someone else and they said they received them, and they would fix my billing. Apolozied for the Man action. They never did I called back and talk to a survivor, and she said she straighten everything out she seen where I returned the XXXX boots. and she would send me a email. They would waive the late charges and the returned charges, which I never knew about. I never gotten a email. so, I called back still not fixed. I called on XX/XX/2024 and talked to the survivor and he said he seen the item returned and said they credited me first for the red boots and half on the Blue Boot which was {$89.00} dollars, and he would go in and fix it for me and waive the late fees and put my credit back my card. I called Comenity Bank because they have {$200.00} on my credit report and the first Lady was nasty talking, we only by what XXXX XXXX tell us I can do a dispute, but I can't tell you if they going to fix it. So, I call Comenity Bank again XX/XX/2024. said now I owe {$190.00} and now the Bank XX/XX/2024, I was asked if I purchased a XXXX item. I said No. I promise I have no Idea what XXXX XXXX and the Comenity Bank, is doing trying to get Money when I returned the XXXX items. I never purchased XXXX items. ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-03-07 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: TX

Complaint narrative:
Dear Credit Bureau, I recieved a copy of my credit report and i have found the follwoing items listed below to be in error. These accounts are listed with late or missed payemnt and that is incorrect. the follwing accounts wer NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on this Account Please Update the account as PAID/CURRENT. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinventigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your helping this matter, 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