vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2024-07-17 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I previously disputed this debt, and it was removed from both my XXXX and XXXX credit reports. However, after its removal, it was reinserted into my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: SC

Complaint narrative:
I hope this complaint finds you well. TransUnion has violated my rights by furnishing false inquires on my report. I've asked for the proper documentation multiple times and still have not received a response. Additionally, I have not given TRANSUNION, XXXX, AND XXXX permission to furnish this information. This a violation of 15 USC 1681 ( B ) ( C ). BOTH of my consumer and privacy rights are being violated. 

I am demanding removal of these inquiries unless you can provide the proper documentation that supports your claims.

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 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XX/XX/XXXX, I made an international transfer in the amount of {$2000.00}, today its been 8 days and I still havent received the money! Please give me my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Disputed transaction XX/XX/year> from XXXX XXXX the company reached out to me XX/XX/year> letting me know it could take up to 90+ days, I wanted to know why is taking so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
Credit fresh is looking to harass me and that is all there is to it. Let me XXXX you a few examples. For one, I keep making payments and my balance remains the same staying at about XXXX dollars for about 3 months now, if not more. If that's not happening let me tell you what i think is the most messed up. I went to XXXX  back in 2021 for a year and my payments came out of my bank automatically and for some reason when I was in XXXX  they stopped the payments. This has been the biggest obstacle because my loan would be paid off at XXXX dollars a month for 11 or 12 months. Maybe my math is off. Well the worst part is when they called me on the first Saturday in XXXX with there robot AI, must have gone rouge or something, but anyway I call them and they make me talk to robots and I get nothing done with that. They created this company when I got a loan anyway I'm sure I was the first customer but I hope to XXXX I'm the last as well because this has not been fair. With the hassle they should be paying atleast 10 fold if not more. Thank you, but I'm XXXX  of being called out of my name like I am someone to just bully all the time. OK you will hear about it. I guess that's just the way my bank account is going to have to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this complaint finds you well. XXXX has violated my rights by furnishing false inquires on my report. I've asked for the proper documentation multiple times and still have not received a response. Additionally, I have not given XXXX, EQUIFAX, AND XXXX permission to furnish this information. This a violation of 15 USC 1681 ( B ) ( C ). BOTH of my consumer and privacy rights are being violated. 

I am demanding removal of these inquiries unless you can provide the proper documentation that supports your claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I made 11 payments on my student loans from XX/XX/year> thru XX/XX/year> that were revived by Mohela, my service provider that were never applied to the balance of my loan. I have confirmation numbers and emails from Mohela and have spoken twice to customer service who can see that indeed these payments were revived in their system. I was told both times that the matter would be resolved. Its been about 2 months since my initial inquiry into this matter and nothing has changed. Meanwhile Im accruing interest daily to the tune of over XXXX dollars since I first noticed my payments were received but not applied to my loan. I want to get rid of this loan but if I cant trust Mohela with handling my payments how am I supposed to give them anymore money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: DC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I have a been a customer for Apply Card for years now, my father passed away and i was going threw a rough time. I always paid my card they can check my history and credit. they where asking for a minimum payment of XXXX and i did the right think like always and that is pay my full balance and that was XXXX. My credit limit is XXXX then i waited i made the payment on the XXXX of XXXX and they said your credit of XXXX should reflect on the XXXX. Today is the XXXX and i checked and my credit limit is XXXX they said that this is a measure they took. I called and explained to them and nothing they did not take into consideration my situation and that i needed the credit line. Imagine being over sees and you have just paid your credit card in full to suddenly discover they only gave you a credit line of XXXX when you where expecting XXXX. 

The company is Goldem Sachs FOR apple card services and i hope they resolve this. i told them i am willing to email you the death cirtificate of my Dad and i am not lying here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my consumer report. These inquiries, detailed below, are having a significant negative impact on my credit profile : INQUIRIES : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX I did not authorize any of these companies to access my consumer report. This not only constitutes a violation of my privacy, but it also indicates non-compliance with the Fair Credit Reporting Act ( FCRA ) on the part of your company. 

I request that you validate and verify these inquiries by providing documentation, specifically a contract with my signature, that authorizes these inquiries. If you can not provide this documentation within 30 days, I demand that these inquiries be removed from my report immediately. Failure to do so will result in your continued non-compliance with the FCRA. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX : XXXX Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-17 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: NC

Complaint narrative:
I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to update this information from 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 2024-07-17 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had initiated a transfer from my XXXX XXXX account utilizing the Wells Fargo linked account transfer option after delays I called and they told me they would cancel and send the money back to XXXX its now been over a week and Wells Fargo is holding my funds and I cant pay my bills.

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 2024-07-17 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: NC

Complaint narrative:
I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to update this information from 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 2024-07-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to update this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX My name is XXXX XXXX XXXX XXXX and I am currently missing {$170.00} from my account balance. 

Citibank stated on XXXX that there was not any HOLD from any company on my account. 

In the transaction history : On XXXX A deposit of {$110.00} is entered and the account is left that day at an available balance of XXXX. 

On XXXX I looked into the account and find a balance of {$780.00}. 

I looked at my transactions and did not notice a HOLD on the account or a note stating the reason, that my account is missing {$170.00} from my account. 

Today XXXX, I contacted Citibank and spoke to your representative XXXX ID # XXXX and she confirmed that there is NOT a HOLD but could not locate the missing {$170.00}. 

I explained to XXXX XXXX the above information and she stated 'we do this for fun to you! ' I do not find this amusing or appealing of a company like Citibank to treat consumers as if their accounts charges were not enough to support the editing and updating of transactions history. 

Once again, please note that the account is missing {$170.00} and if there is a HOLD please reflect on account. 

The current available balance shows as {$830.00}. XXXX It should have been {$1000.00}, as available balance. 

Please update the available and find the missing transaction that affected my account available balance. 

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