vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: WA

Complaint narrative:
I have submitted a dispute for incorrect information on my credit report. A debt that has been settled is being reported incorrectly. The debt collectors have settled with me via their lawyer and I have paid in full. I have included all proof of this to transunion. After attempting to submit more proof via their online portal that did not work, the investigation concluded that the debt is accurate when it is 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 2024-07-20 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-20 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-20 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: NJ

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 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 explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-07-20 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: NJ

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 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 explanation
Consumer complaint received 2024-07-20 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have submitted a dispute for incorrect information on my credit report. A debt that has been settled is being reported incorrectly. The debt collectors have settled with me via their lawyer and I have paid in full. I have included all proof of this to transunion. After attempting to submit more proof via their online portal that did not work, the investigation concluded that the debt is accurate when it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to contact deposit my work check from the XXXX XXXX XXXX. They held the funds for 7 business days even after going into my local branch and calling truist call center. I verified my identity and my job. After sending all this information. They said there is no way to contact the investigator, we would just have to wait for their review date. When I called at the end of the review date I found out they extended another day when no description of why. At this point it feel like retaliation for calling and questioning their action. Now they have my initial check of {$1300.00} and since they locked my account they also have my {$190.00} overtime check with another paycheck coming on the XXXX. I first deposited the check on the XXXX they said the hold would be lifted on the XXXX. Now its the XXXX with no answer, they just told me to call back later.

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/XXXX, three separate purchases were made at an XXXX XXXX in another state at the same exact time, XXXXXXXX XXXX with my Apple Card. One purchase for {$610.00}, another purchase for {$26.00}, and lastly a purchase for {$280.00}. I live in another state than these purchases were made and at can prove by purchases on my bank account that I was in my state. I filed disputes and on XX/XX/XXXX they denied my disputes. The same day I resubmitted the disputes and gave more evidence. On XX/XX/XXXX they accepted my disputes of the {$610.00} and {$26.00} however did not with the {$280.00} purchase. I resubmitted that dispute that day. On XX/XX/XXXX they denied this dispute again despite these purchases being made all at the same store, the same day, and even at the same time. How can two of the disputes be accepted and not the last one considering all of this and despite being resubmitted multiple times?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 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: FL

Complaint narrative:
Payments in 2024 the amounts of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These payments are missing from my Experian report for XXXX XXXX. 
Experian keeps returning my disputes as completed but nothing has been corrected. 
XXXX and XXXX reports are accurately being reported.

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I had a XXXX deposit from our renters insurance that I am listed on. The deposit was the second deposit made from this company and the first one I spent fine with no issue. I woke up on the XXXX to my account being restricted. I called and the were extremely rude and unhelpful. They stated I violated the terms of use. And my account would be closed. I asked if I could send documents verifying the deposit or anything they said no and treated me like I was a scamming their. They said it's because the deposit is in my XXXX XXXX  name. She is the policy holder but I am listed as well in the policy. I tried letting them speak to her which they did not want to do. I called three separate times trying to rectify the situation with no help or care. And now we will be left XXXX and my account will be closed for my social security check at the beginning of the month. I asked for the transcripts or recordings of phone calls because it seemed very shady and they would not give me that either. They will not let me speak to anyone else or get any timeline they just say the decision is final. That money is from my home getting XXXX XXXX XXXX XXXX and they do not care because they act like I stole the money even though they spoke to my XXXX. They will not let me speak to the investigation team or give me any information. My XXXX has been a joint account holder before on the account too and they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
I NOTICED CHARGES ON MY DEBIT ACOUNT AND CALLED CHIME TO DISPUTE THE CHARGES AND WAS DENIED. MY DEVICE WAS STOLEN WITH MY INFORMATION STORED IN IT. CHARGES OCCURED AFTER DEVICE WAS. TAKEN. ALL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX CHARGES WERE UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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:
I received a copy of my credit report and found unauthorized inquiries on transunion and XXXX Actions that were taking were, sending letters such as. As a federally Protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX As per 15 U.S.C. 1681 permissible purposes Opting out letters, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

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 2024-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found unauthorized inquiries on XXXX and Equifax Actions that were taking were, sending letters such as. As a federally Protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX  As per 15 U.S.C. 1681 permissible purposes Opting out letters, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: ME

Complaint narrative:
I have filed disputes to Equifax concerning incorrect personal information. I called in to follow up on my disputes requesting incorrect addresses posted under personal information. Equifax stated that they were not able to delete theses incorrect addresses because they were associated with XXXX negative accounts from XXXX XXXX  and XXXX XXXX XXXX. I contacted these to companies to submit disputes on these accounts via certified mail and did not receive responses after 30 days. 

On XX/XX/year> I called Equifax to have them dispute these accounts. They were unable to verify the accounts because they did not have my birth day on file and they were not provided by any of my accounts. I submitted my ID, birthday, SSN, address, phone number, and employer via certified mail which they received on XX/XX/year>. Equifax has not removed these harmful accounts from my report. Equifax has also denied me access to my credit report through there myEquifax portal because my birthday is not on file despite having received it. 

I am confused on the direction I should pursue to resolve this issue. Please investigate how Equifax can report negative information on my credit report without the ability to confirm my identity. Thank you for your efforts in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship XXXX XXXX XXXX company I believe the original creditor sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
Subject : Urgent Complaint Regarding Loan Handling - Case XXXX I am writing to formally register a complaint regarding the handling of loan XXXX by Affirm Loan Company. 

On XX/XX/year>, Affirm XXXX XXXX refused to cancel loan XXXX, amounting to {$1100.00}, despite the vendor ( XXXX ) XXXX the related purchase on XX/XX/year>, following complaints. Despite this cancellation, Affirm proceeded to process and demand monthly payments for the aforementioned loan, even after being notified of the cancellation XXXX days prior. 

Furthermore, Affirm has recently indicated that another vendor ( XXXX ) requested payment of approximately {$140.00} on XX/XX/year>, which was inexplicably leveraged against loan XXXX. This action is concerning as the cancellation request from XXXX should have logically led to the closure of this loan. 
It is important to emphasize that Affirm continues to demand monthly payments on the cancelled loan amount originally associated with XXXX, which is clearly erroneous and unjustifiable. 
I urge your immediate attention to rectify this matter promptly. Please confirm the closure of loan XXXX and cease any further unwarranted demands for payments related to the cancelled transaction with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been trying to communicate with PYOD through various disputes since XXXX 
They have provided no proof of the original agreement with my signature and/or any other identifying information. I do not believe this debt belongs to me as I did not open an account with XXXX XXXX, the original creditor for the debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Date of transfer return : XX/XX/year> Amount : {$45.00} Actions taken : By me : XXXX. Started chat on XX/XX/XXXX with multiple follow-up sessions XXXX. Made at least XXXX phone calls, and had recipient contact XXXX XXXXXXXX XXXX 
XXXX. XXXX XXXXXXXX XXXX  said they only deal with XXXX Bank as their intermediary; confused why XXXX XXXX XXXX was involved. 
XXXX. Asked HSBC for XXXX XXXXXXXX XXXX rejection message. 
XXXX. Forwarded rejection message to XXXX XXXXXXXX XXXX. 
XXXX. XXXX XXXX Bank was confused why HSBC did an international wire transfer on a XXXX transfer. 

By HSBC XXXX : XXXX. XXXX XXXX which XXXX XXXXXXXX XXXX  ( the recipient bank ) couldn't make sense XXXX. After escalation, reached out to XXXX XXXX XXXXXXXX for a refund XXXX. Refund request got rejected ( over a week delayed in responding to me ) XXXX. Denied any responsibility XXXX. Customer service claimed that the person who can help on a new case number ( XXXX ) wasn't around on weekends.

Company response to consumer: Closed with monetary relief