vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There is an inquiry on my TransUnion report from XX/XX/2022 from XXXX. I have disputed this inquiry with TransUnion and nothing was done about the problem. I have contacted XXXX Bank as well as XXXX and we had came to the conclusion that someone fraudulently tried to open an account with my information. I have asked them to remove the inquiry and they told me to contact the institution to which I did. They said they needed some type of document FROM XXXX stating that the information is incorrect in order for it to come off of the report. XXXX CONTINUES to claim they will contact the credit institution for almost 1 year now. TransUnion claims to have not received anything from 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
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
BARCLAYS BANK DELAWARE {$2400.00} I have contacted the company and have reported this to my credit reporting agencies. The company just verifies it with already-known information. I have an FTC, CFPB, and a police report that I am a victim of identity theft. This is also shown to be true on my credit reporting agencies ' accounts. 

This account needs 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
Unauthorized Inquires on my credit report 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

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
To XXXX XXXX TRANSUNION : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I received a copy of my lexus nexus credit report. After contacting XXXX, XXXX, and Transunion it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my lexus nexus credit report. After contacting XXXX, Equifax, and XXXX it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
1. The following personal information is incorrect XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have contacted care credit as well as synchrony bank several times in regards to billing errors on my credit report as well as my account statements with no resolution. My account is extremely incorrect and my credit score has been affected and it is causing great distress to my household.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: TX

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all XXXX credit reporting agencies.

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 2023-05-31 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: T.S. Holdings
State: TX

Complaint narrative:
I reached out IQ data international and disputed an amount of XXXX $ via phone call and email yet they reported on my credit report. I was threatened with the debt being reported on my credit report if I decided to dispute the amount. There were multiple emails from the property management of XXXX as well on this issue and IQ never responded to the emails. The debt is now reported on my credit report with out any further notice to me. Attached are the final account statement and the XXXX transaction showing the amount paid as the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please update my account and remove the inaccurate late payment.

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 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: UT

Complaint narrative:
CREDIT MANAGEMENT LP {$290.00} In collections by XXXX XXXX I have documentation that I do not owe this amount to XXXX, I owed {$82.00}. This amount is highly fabricated, and highly inaccurate. 

This account needs to show that it has already been taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I set up a " XXXX XXXX for XXXX. XXXX, 2023 XXXX. XXXX, 2023 '' for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/2023 " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On XX/XX/2023 I received an email saying my account has been " deactivated ''. " Please note that any funds that were debited will be held for a period of 60 days. If youd like to receive the funds sooner, please reach out to your bank for their funds return policy. '' It's now XX/XX/2023. I have reached out on multiple occasions after the 60 day is up to request a refund, beginning on XX/XX/2023. Square has NOT RESPONDED at all to any of my communications. I believe Square is basically stealing my money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
XX/XX/2023 I cashed my life insurance policy check at XXXX XXXX XXXX Keybank and they they told me it would post XXXX to XXXX. They also told me it wouldn't effect my direct deposit. 
XX/XX/2023 the check cleared but direct deposit was posted. I try to pay my rent online and the keybank app said my account was restricted. I call customer service but they seem to be confused on why my account was froze. 
XX/XX/2023 I go to XXXX XXXX XXXX And they told me that theres a hold on my account but they dont know why? but to wait XXXX weeks. 
XX/XX/2023 I go back to XXXX XXXX XXXX. They tell me they have a hard time reaching the fraud deparment and they dont know whats going on but to wait 2 months. 
XX/XX/2023 i contact corp office XXXX  for addtional questions. I find out the fraud department said XXXX XXXX XXXX didnt send addtional info that was need for the case. 
XX/XX/2023 I recive XXXX letters in the mail. XXXX saying " the account hold is typically within XXXX business days. the other XXXX stating they are closing my account within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My father passed away on XX/XX/2023, and I contacted the reverse mortgage company on XX/XX/2023, to get a payoff quote. I was told it would take XXXX to XXXX hours to receive the quote and asked for it to be dated to the end of the month. That should have given me about XXXX days to receive and process the payoff to them. They waited until the XXXX of the month to send me the quote which was due on the XXXX. The quote I received from them contained XXXX worth of bogus fees consisting of : XXXX for an appraisal that did not occur, XXXX for title examination fee, and XXXX for property inspection. All of this to pay off a home equity line of credit with a total outstanding balance of XXXX. They also told me that paying off the balance would not generate a paid in full letter or any other kind of release documents. They said I would have to call back for those. The company did order an appraisal which I rejected when I was contacted to schedule it by a random person in my area. I'm not sure what kind of title examination that was required on a property that owed less than XXXX and there has not been a property inspection. Suspecting that this company would use as many unscrupulous methods as possible to squeeze every dime out of my father 's XXXX, I wired a XXXX payment shortly after I requested the payoff quote, which should mean that they owe me money and they have yet to credit the account with the XXXX. Because I've previously been through a different situation with this company which wasted months of time and hours on the phone, I decided to go ahead and file this complaint sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
I received a letter from online information services, a debt collector located at XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. 

They were attempting to collect a debt for a company named XXXX XXXX XXXX XXXX When I called online information services, they were requesting that I give them my full and complete Social Security number. When I would not give them my my Social Security number, they would hang up on me. I would call back, providing them all the information provided in the letter mailed to my home, and they said that I had to still provide my complete Social Security number. When I would not give them my Social Security number, they then placed a deficient collections onto my credit report. I have contacted the local state police in North Carolina regarding this matter. I spoke with XXXX XXXX badge number XXXX this debt collection was then disputed with the three credit bureaus and determined to not be accurate and was removed from my credit report. I am contacting this office to notify you that this company is fishing for people, Social Security numbers and when not provided with your SSN they will place a false claim against your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inaccurate Inquires on my credit report 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

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people.

These are clear violations of my federally protected consumer rights

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Unauthorized, unverified hard inquiries on my credit report must be removed in accordance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have previously reported to American Express that I applied and received a credit card with them, which I did, and enjoy using.

However, I only did one application, but my report is showing two credit checks.

They previously stated only one was credit check was initiated, and to contact them if I had any proof showing otherwise. I mailed a response letter, a copy of my credit report, and their response letter to the address listed in that letter, via certified mail on XX/XX/XXXX. It was delivered and signed for a few days later. 
I have received no response, and the two inquiries are still on my credit report. This is inaccurate reporting and needs immediate attention, and correction. 
One inquiry is listed as American Express and was on XX/XX/XXXX through XXXX. 
The other inquire is listed as American Exp and was on XX/XX/XXXX through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Sunset Finance had violated my privacy and has released my personal information to a sibling. I was advised that they were going to " garnish my wages '' through a sibling that they had contacted. This is a violation of a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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