vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: MD

Complaint narrative:
My student loans with XXXX were discharged ( paid in full ) on XX/XX/XXXX. XXXX, a XXXX at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/XXXX. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Transunion credit report, the debt was not updated and continues to reflect a balance. I contacted Transunion and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Transunion and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Transunion did not update the account to reflect a $ o balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Transunion again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Transunion, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay in updating my credit bureau reports continue to impact my financial status and continues to report negatively.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit was ran multiple times without consent,

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 2023-11-09 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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX Balance {$450.00} XXXX XXXX/ XXXX Balance {$220.00} XXXX XXXX XXXX Balance {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I disputed charges on my account and was given a temporary credit. After finding half the disputes in my favor, they found 3 in favor of this company. I gave requested a re investigation and no one would ever call me or email me so I could give my evidence as a rebuttal. The bank said they found in their favor cause they had my information. Umm thats easy I did business with this company 5 years ago. That company lied and said they spoke with my on XX/XX/XXXX and I authorized charges. I did not.. I have a voice message in my blocked messages from XX/XX/XXXX the company wanting to speak with my about my account. I blocked them because I didnt have an account. They also admitted on a recorded call they never spoke to me. The bank wont allow me to give this info. This company fraudulently sent in falsified items to the bank. I even upload proof and USAA refuses to call me. They had someone with the CEO office call me and he did nothing but talk over me and not allow me to speak. I was told someone from the fraud department would call me within 10 days from XX/XX/XXXX. That never happened. This was not investigated at all. This company called my Moms phone the other day which means they are pulling from my credit report. So thats another way they could have gotten my info. USAA will not let me speak to the fraud department at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
My XXXX XXXX XX/XX/XXXX. ACCOUNT # XXXX. 
GM Financial Granted us a 6 month extension on the XXXX. 
With that Extension, XXXX miles is added for every month. 
The 6 month extension expired XX/XX/XXXX. 
I was granted a month to month extension, with the same rules, an additional XXXX miles a month. 
Allegedly, they sent ( 6 ) correspondence letters to myself and my wife, with the last one mailed out XX/XX/XXXX. 
I continued making monthly payments. 
They continued cashing checks. 
I attempted to XXXX XXXX and XXXX / XXXX a XXXX XXXX. 
Their New Minimum XXXX XXXX of XXXX, didn't allow me to that option. 
My Score was knocked down by their late payment games and a prior game they played with me XXXX years ago. 
XX/XX/XXXX, they took my vehicle UNANNOUNCED. 
THEY WANT ME TO PAY {$2500.00}. 
I AM LIVING IN A FEDERALLY SUBSIDIZED SENIOR COMMITTE WITH S S OUR ONLY INCOME. WE CAN'T AFFORD THAT AND WE'D LIKE TO HAVE THEM PREVENT THIS ON EITHER OF OUR XXXX XXXX. 
CHANCES ARE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: IN

Complaint narrative:
I have spent at least 5 hours navigatinf Transunion 's circular, Of shore, hard to understand Customer Service and can get no clear answere has to why there was a XXXX point over night drop in my dredit score based on no new information. I even " joined '' there " service '' for {$58.00} to try to find answers, which provided no 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 explanation
Consumer complaint received 2023-11-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed multiple unauthorized charges on my debit card online banking. 
There was 6 in total. So far I was able to get help from 2 of the merchants. But I am having trouble with the other merchants. 

I filed a dispute with my bank ( chase bank ) and within 10 hours. They made their decision on if this was fraudulent or not. Now Im not an expert banker but I truly believe wholeheartedly it is 100 % impossible to complete an investigation in that amount of time. I made a second attempt to reopen the dispute. But my bank told me they decline. My only option is to contact the cfpb now. Since I am receiving no help elsewhere. 

The two claims that I am still struggling to get back are fraudulent charges from XXXX XXXX and fraudulent charges from nectarsleep. These merchants and bank are refusing to honor my testimony that the charges and purchases made on my account were not authorized by me or made by me. These charges are causing me major financial hard ships due to the cost of living currently and its putting a bad relationship between me and my bank. 

XXXX XXXX charge # XXXX : XXXX XXXX XXXX charge # XXXX : XXXX XXXX XXXX charge # XXXX : XXXX Nectar resident charge # XXXX : XXXX All of these charges were made on XX/XX/XXXX. Shortly after I lose my backpack with my laptop my wallet and some other personal belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX XXXX XXXX, xxxx, $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my report and noticed incorrect information. I would like this to be updated.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: KY

Complaint narrative:
Hello. I have a doctor 's visit at XXXX XXXX on XX/XX/2023 ( this year ) at XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX. I had something weird on my lips and around them. I never got a real doctor to see me. It was a nurse, and she gave me the very, very wrong diagnosis and assured me it was XXXX. She prescribed me very strong medicine for that and 100 % didn't do anything I just kept getting worst it was super painful.. Then I went to my dermatologist ( a really great, well-known doctor in the best hospital in XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX de XXXX. And the doctor said it was not XXXX at all, not even similar. So he gave me medicine for a dermatitis, which is what I had, and it solved the problem. But in the midtime, I was wrong diagnosed by this person in XXXX XXXX and taking very strong medicines that I didn't need. I was really upset I called them and told them, so the person that I spoke with on the customer service told me to send my doctor 's letter and prescription for the diagnosis I had, and I did. So he said not to worry about the payment, and then suddenly I was in collection. I want to sue them if necessary. I don't mind going to court and proving that they are giving very wrong diagnoses and medicine to people. So please help me and tell me what to do because I am not willing to affect my good credit, and I am not willing to pay for this terrible medical mistake they made with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did a mobile deposit with Wells Fargo on XX/XX/2023 by taking images of the check. After I deposited the check ( from my job where I have received direct deposit multiple times before ), I received a pop up notification that stated {$220.00} will be available on XX/XX/XXXX  and {$590.00} will be available on XX/XX/2023. I waited until the XXXX and no deposit was available with my account now in negative balance. I figured I would wait until the XXXX to give it an extra day since the notification said the other funds would be available then. I checked in today and saw that I was not only charged a {$35.00} overdraft fee ( which would have been avoided if the amounts stated above were deposited ) but that my paycheck still had not hit. 

When I called in, the automated system now said my paycheck was being held until the XXXX- so over a week later after depositing the check- with no heads up that this was happening. I finally talked to somebody who stated that the check was being held because the financial institution had not released the funds yet. If that is the case, fine, but don't have a pop up stating that the funds will be available on specific days. It's very deceiving to consumers to think their money will be available on the stated days their bank is telling them only to see that is not the case.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Debt Collectors International, Inc.
State: CT

Complaint narrative:
XXXX XXXX, My name is XXXX XXXX XXXX. I am co-owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing this email in utter shock and disbelief with the trajectory of events that were prompted by XXXX XXXX threads. 
Last XX/XX/XXXX, ( corrected date ) I attended a course in New Jersey. I was in contact with my XXXX representative who no longer works at your company. I was also in contact with XXXX. Prior to going to the course I called both my rep and XXXX to confirm that our account was paid and confirm my enrollment in the course. I was told everything was all set and the account was paid and up to date.I was assured that there was no issue and that I should attend the class as planned. I explicitly expressed that if it were not paid and up to date that I would not attend and that I would perhaps enroll in an upcoming one one in the future. Again, I was reassured and told to go by both XXXX and my rep XXXX XXXX. 
Approximately three months ago I received one email and one phone call stating that we indeed owed {$2000.00} for the class. I expressed my concerns with this finding and contacted XXXX. Again I was told that there was no issue with the account. 
I never heard back from your accounting department again after this. 
Fast forward to today, XX/XX/XXXX, I received numerous phone calls from a collection agency by the name of DCI ( Debt Collection International, XXXX XXXX XXXX, XXXX FL XXXX XXXX ) on behalf of XXXX. Both myself and my business partner have reached out to XXXX and XXXX XXXX ( sp ). We were promised a call back from someone by the name of XXXX XXXX. We never heard back back from anyone at XXXX. Im not sure why such a reputable company would hire a company like DCI. 
Everyone in our office has been severely victimized by these people today including myself. They have made physical threats as well as using XXXX XXXX XXXX hostile, and violent language to me, my business parter, and our office manager. They have called family members of my business partner who have no involvement with XXXX The threats and harassment by DCI representatives XXXX XXXX, XXXX ( would not provide last name ), and another team member ( who would not provide a first or last name ) were so severe that we had to contact our local law enforcement. They also stated that they have our bank information, my medical license, and address. They are also threatening to negatively impact our business via internet bullying. I have provided them with our attorneys name and information at their request. They have yet to contact him. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/2020 went to chase bank in XXXX, la to notified them of my mothers death at the time i was added to mothers account on are about XXXX XXXX XXXX XXXX went in to retrieve information on the account but was not allowed to got mad because I XXXX XXXX had already done so so she went and got fake documents letter of possession saying she was the only child and received a cashiers check from savings account for {$21000.00} and another from checking account total of {$9700.00} closing the accounts I returned on or about XXXX XXXX spoke to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, la XXXX and was asked was i aware of her closing theses accounts out which i told her i knew nothing about it so she immedeiately contacted the fraud dept and contacted the corporate office to notify them and nothing was done was told she had the right documents to close the accounts which was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sunlight Financial LLC
State: OH

Complaint narrative:
Sunlight Financial changed biking addresses and my payment checked were cashed but the payments were not credited to my account. Resulting in late fees and XXXX  day late notices on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Applied for a line of credit and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NM

Complaint narrative:
Around XXXX on XX/XX/2023 I called conserve debt collectors. I asked for proof of the debt and I was told, " we do not need to send that we are a contractors with the school not a debt buyer ''.

Company response to consumer: Closed with explanation