vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Privacy Act of 1974 ; 5 U.S.C section 552a and under 15 U.S.C. Account # XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy along with 5 U.S.C section 552 ; Privacy Act of 1974 and 15U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also 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 ( they may only report crimes, not ''debts '' ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
after paying off the amount owned on the card i was moving to another house, the company charge me, interest on debt that been paid in full .and seems i didn't received mail they report 30 days late .its there responsibility to get new address fix on there computer system, becouse i did reported them my new address in advance

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 2023-08-25 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS 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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had XXXX on my Venmo app but a fraudulent charge at a local XXXX took XXXX from my venmo balance then a 2nd charge at XXXX for XXXX transferred the amount from my personal bank account to my venmo account. Both were on XX/XX/2023 one at XXXXXXXX XXXX and the second one at XXXX pm. This fraud also transferred XXXX from my bank to my Venmo account four times adding up to XXXX cash on XX/XX/2023. Venmo did reimburse my bank account the XXXX and the one XXXX XXXX charge but Venmo is refusing to reimburse the second XXXX charge of XXXX to my Venmo account. I have proof that I had XXXX XXXX and could not have made these transactions at XXXX I was in recovery at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: RI

Complaint narrative:
There are 6 unauthorized inquiries on my credit report maintained by transunion that are not attached to any open accounts and should be removed immediately per 15 USC 1681 ( b )

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 2023-08-26 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I was sent a credit card by Citibank AAdvantage card on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

Citi was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2023 around XXXX est I called bread financial regarding their caesars credit card. I called because my statement showed that I had available credit for a cash advance, but I wasnt able to use the card. The rep answered the line, put me on hold for a few minutes and when she returned she told me their systems were down and she did not know when they would be back up and running. I feel is though, because I have one complaint about the company that they were blocking me from using that particular function of my card. I figured since they are blocking me from using the cash portion of my card then I dont need the card so I close the card because I am truly unhappy with the service that they have displayed and I am a loyal customer. I have always made my payments on my bill and I dont understand why I am being treated this way. I feel like though they are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have reported to f.b.i and identity theft.gov and u.s embassy of XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of irs representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and Tennessee department of revenue report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is 3 students loans were taken while I was gone in XXXX, XXXX and the 3 loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to XXXX by mail and received it on friday XX/XX/XXXX, and documents were signed for as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
after paying off the amount owned on the card i was moving to another house, the company charge me, interest on debt that been paid in full .and seems i didn't received mail they report 30 days late .its there responsibility to get new address fix on there computer system, becouse i did reported them my new address in advance

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I deposited {$20000.00} USD via wire transfer on XX/XX/2023. I was not required to provide any further verification documents and the money was available in my Gemini account two days later on XX/XX/XXXX. I was charged {$99.00} to convert {$5000.00} to XXXX and immediately after converting, I was told that my account was restricted from actually using the money I just converted in XXXX. After several days of constant requests for my verification documents and me submitting every document required I was informed that my account was closed without explanation and I will need to withdraw my money. Not only will they refuse to return the {$99.00} fee that I was charged for absolutely no service, but they are also trying to charge me another {$72.00} in order to withdraw the remaining {$5000.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX. Back in XXXX I was told that if I wanted to get promoted I needed to finish my degree. I went back to school for 4 semesters XXXX and XXXX. I graduated in XX/XX/XXXX, right before one of the biggest recessions ever. I was only able to get work as a temp, outside my field. 

Yet, I began repayment of both my federal and private loans in XXXX. I paid atotal of {$800.00} a month for 12 years. 

My principal balance is the same as the day I took the loans out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
I was wrongfully a victim of identity theft had a bill put in my name by someone trying to be me I told them it wasnt mine an they said well we cant do anything about it because they use your name and Social Security number at the time I was sleeping on the floor at my husbands grandmothers house, so I was very confused because I only lived in XXXX XXXX in XXXX XXXX at the time I got sent this I contacted them and they told me If you dont pay it, were gon na destroy your credit. They said was they had your Social Security number and your name they cant do anything about it. And when I contacted them, they said it was for an address of a home ( house in XXXX area ) which Ive never lived in that area .I even told them that it was a legit home that I couldnt afford a home that Ive been renting or sleeping on familys floors they didnt seem to care I contacted them recently, asking for advice because they took my new address and slapped it on that bill like it was my debt to a place Ive never lived at I confronted them. They didnt give me no answers. I try to resolve this and they asked what my current address so they can send me updates about the dispute and then they end up sending me the current bill with my current address on it. This is on XXXX and to be honest. This is my worst experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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 noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and two kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over 50 times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, EQUIFAX already repetitively getting data breaches from them shows : intersections, EQUIFAX XXXX XXXXXXXX XXXX EQUIFAX UPDATE XXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX all FRAUD NOT DONE BY ME OR ISNT MINE ALL EQUIFAX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO EQUIFAX XXXX XXXX the last 2 years. XXXX wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: SC

Complaint narrative:
I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and XXXX  kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX, XXXX has XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over XXXX times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, XXXX already repetitively getting data breaches from them shows : intersections, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE DIFFERENT ADDRESSES, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT DONE BY ME OR ISNT MINE ALL XXXX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO XXXX XXXX in the last 2 years. Experian wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!

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 2023-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
I had issues at an apartment where I lived. I have rented for 30 years and have never moved out where I have been taken to collections. In fact, I had lived at the same complex before and had my deposit returned before. This time, I had the bad experience where the apartment next to mine flooded into my apartment and I complained to the upper management about it and asked to have the carpets replaced, they did not do anything about it. Instead, they made me the scapegoat and tried to charge me at move out for the mistake that their maintenance people made when they failed to stop the flooding next door. The apartment was very clean when I moved out and was even done by a person who cleans professionally. I have pictures from the move out as well. In regard to the water bill, the water part was broken and I have pictures of it leaking all over the parking lot. I paid hundreds of dollars in water bills to them altogether which was ridiculous. I feel that I was overcharged for the water to begin with. Also, my apartment was broken into which is why the lock had to be changed since their maintenance men were refusing to do repairs at the end. I told them that the apartment was in very good condition and they said I should have done a walk through and I told them that XXXX XXXX refused to do one and they belittled me and disputed this. They made false allegations against me and made comments that were false. I received harassing calls and when I asked to speak with managers, I was told that they were the higher ups. I feel that they were in violation of the FDCPA and the FCRA due to the facts that they would not validate the debt in the beginning and just reported me and would not let me dispute the debt and kept calling and harassing me after I told them not to call me and after I told them I was speaking to attorneys. Also, I was in Nevada and they were calling me from Washington in the beginning. They also gave me bogus contact information. I have been turned down by three apartments already due to bad references by XXXX XXXX ( XXXX XXXX ) Apartments in XXXX Nevada and now they are reporting this on the credit bureau. I feel that this is in retaliation for filing with HUD in the past as well and other state and federal agencies on them as well as Resident IQ data International. Also, my mail was getting stolen from the complex and I had to file with the postal service about this issue. Resident IQ data harassed me over this as well.

Company response to consumer: Closed with explanation