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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a data breach pawned website with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with trespassing wire tap fraud and larceny of my business account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX number log in from my dispute with my XXXX phone from XXXX XXXX XXXX I contacted the log in with XXXX XXXX. I did a log in with the business account it was showing fraudulent records on my email dark web. I asked to put the account on my XXXX due process of payment with XXXX tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from my IRS said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX XXXX XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXXXXXX XXXX XXXX XXXXXXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from my IRS reversed mortgage account for {$110000.00} tax lien and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX XXXX XXXX XXXX where the data breach occured on my pawned website from my normal log in considering it did not go through on my Experian Credit report it was on my dark web for bad credit mortgage account reversed mortgage loan entitled error background report from the IRS Tax scheme showing it was paid then the ln could dispute it on the credit report with Experian showing it belonged to XXXX XXXX XXXX. I ask the Experian dispute the error with Experian my identity works. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with Experian to correct a balance that was reported on my credit by ( company ) XXXX XXXX XXXX. They completed the dispute and sent me the results showing that it was corrected to the requested amount. I received these results on XX/XX/XXXX. I will attach a copy of the report. The following month, the company XXXX XXXX XXXX went in and changed it back to to the previous amount. I called Experian and was told that I'd have to go in and file a dispute every month that the company continues to post the wrong amount. I filed another dispute with Experian at that point and the results came back unchanged. I received these results on XX/XX/XXXX. I called to speak with them about the results. When I spoke with the agent, they were originally not able to find the proof in my dispute report that showed where they originally changed the amount. As I kept prying and asking questions, the agent was eventually able to find it but still did not make the changes. I believe the first dispute I filed took them longer than 30 days to complete. I am in the process of verifying the dates, currently in their system it says I filed it on XX/XX/XXXX and it was resolved on XX/XX/XXXX, which is not accurate per my call with XXXX on XX/XX/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 2024-07-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: DE

Complaint narrative:
I signed up for self.inc. You pay {$25.00} a month for 24 months, youll receive all the money you invested back at the end of the 24 months. I did miss a few payments but I feel as though my credit score didnt increase.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX - XXXX

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I KNOW THIS MAY BE A DUPLICATE COMPLAINT, HOWEVER I HAVE UPDATED DOCUMENTS PERTAINING TO THIS MATTER, I HAVE INVOLVED THE XXXX POLICE DEPARTMENTS FINANCIAL CRIMES DEPARTMENT TO RESOLVE THIS MATTER, THEY HAVE CONTINUED TO NOT COMPLY WITH ANYTHING THEY HAVE CONTINUED TO LIE AND HAVE TAKEN RESPONSIBILITY FOR MY ACTIONS OF MY INAPPROPRIATE, LEWD AND XXXX REMARKS TO THEM. I WILL BE SPEAKING TO DETECTIVE XXXX XXXX REGARDING THIS MATTER AND THEY CONTINUE TO COMPULSIVELY LIE ABOUT XXXX XXXX XXXXXXXX HAVING MY XXXX OF ACCOUNTS ( THE CREDIT CARD ACCOUNT WAS BUT REVERTED BACK TO THEM AND I HAVE PROVIDED A COPY OF THAT CORRESPONDENCE AS WELL ) ALSO, AMIDST THIS BEING IDENTITY THEFT, PER CUSTOMER DASHBOARD IT STILL WILL TAKE PAYMENT ON BOTH ACCOUNTS REGARDLESS AND AS I STATED THIS STILL IDENTITY THEFT PERIOD, IN ADDITION THEY WERE TOLD THAT I WAS XXXX WHEN THEY SENT ALL OF THEIR VERIFICATIONS AND THEY CONTINUE TO IGNORE ME LYING CONSTANTLY!!!! I WANT THIS TO BE OVER WITH!!!! THIS SITUATION HAS CAUSED ME SEVERAL JOB OFFERS, POTENTIAL RELATIONSHIPS AND XXXX XXXX XXXX XXXX XXXX!!! THEY PRETEND TO BE SORRY AND BRUSH OFF THE FACT I HAVE TRIED TO XXXX XXXX ALONG WITH THE FACT THAT I AM XXXX, CARLESS, JOBLESS AND HAVE BEEN XXXX  AND XXXX CONSTANTLY!!!!! THEY ARE NOT SORRY AT ALL AND I WANT $ XXXX FOR EMOTIONAL AND XXXX DISTRESS WHICH HAS BEEN TAXING!!! I HAVE ALSO PROMISED TO NOT HAVE ANY CONTACT WITH XXXX XXXX AND NOT APPLY FOR ANY CREDIT WITH THEM AND ADDITION TO MY TERMS ONCE THEY HAVE COMPLIED AGREEING WITH THE TERMS AND CONDITIONS MENTIONED I WILL TAKE ALL OF THE XXXX XXXX XXXX POSTS I HAVE MADE BUT NOT UNTIL THEY HAVE AGREED TO MY TERMS, PAY ME AND GIVE MY XXXX XXXX XXXX OF MY CHOICE AS THEY ARE A MULTIBILLION COMPANY WHO CORRUPTS MULTIPLE CONSUMER AND TAKE NO RESPONSIBILITY FOR ANY ACTIONS AT ALL!!! I AM AWARE OF MY FINANCIAL CHOICES AND PROBLEMS. DOING THIS WILL RESOLVE EVERYTHING ON BOTH ACCOUNTS AND OUT OF COURT!!! THIS WOULD PREVENT ANY BAD PRESS, BAD PR AND ANY LEGAL ACTION IN THIS CASE!!! $ XXXX AND XXXX IS BETTER THAN LEGAL SITUATION AS WELL AS AN ANGRY CONSUMER!!! IF THEY CAN GO OUT ON YACHTS, VACATIONS AND HAVE XXXX MANSIONS BUT ACT CHEAP ( THEIR FINANCIAL AND PERSONAL ARE PERSONAL BUT THEY ACT LIKE $ XXXX WILL BREAK THEM )

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive 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 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> an unauthorized inquiry was pulled on my credit report. When I originally called transunion they told me that I needed to submit a letter from my self and company stating that it was not authorized and it would be removed next day after receiving this information. I called the next week after they received documentation and they told me it was being sent to another department for processing. I received a general voicemail almost 2 weeks later and then I called back a few days later and talked to three different very unprofessional, unethical people one of them which claimed to be a manager but I dont believe he was. They're working from home as well. They all told me something different and that I needed to submit a government report to have it removed. There isnt a report that exists. I called on a XXXX morning which has to be one of their busiest call days to speak with a manager and they told me they don't work on the weekends. I find this very hard to believe. They lied, sent me on wild goose chase and are discriminating against me. They are toying with peoples lives.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
This is a NEW COMPLAINT for a NEW TRANSACTION I do have a previous complaint filed under XXXX for a similar incident THIS IS A NEW UNAUTHORIZED TRANSACTION I finally got a hold of a case XXXX yesterday, XX/XX/XXXX who seem to understand the bank deducted money that they weren't authorized to do. 
TODAY, XX/XX/XXXX US BANK MADE AN ADDITIONAL UNAUTHORIZED TRANSACTION AND TOOK {$120.00} FROM MY ACCOUNT. 
Now I am even further overdrawn. This is just continued harassment they previously reported my debit card stolen when it wasn't they refused to take the fraud complaint on the prior incident and this morning I opened my account to a big red notice about being overdrawn they've destroyed my credit I'm XXXX  XXXX on Social Security the end of the month I have no money I have a XXXX XXXX a difficulty getting my prescription drugs now I get to starve until the end of the month they need to be punished for the fullest extent of the law I would like to be able to take them to small claims court and believe the limit here is {$5000.00} in Arizona please teach these people lesson Thank you

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 2024-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: WA

Complaint narrative:
The debt collector set a payment plans with me, but ive been paying the original collector. My balance on the app is {$600.00} and the third party has taken about {$200.00}. They told me the balance will change within 30 days, but it hasn't. They said they will hold off on taking any payments. I'm not paying until the balance is correct. I've gotten all emails and the app to show my payments and balance. This is crazy.

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: NC

Complaint narrative:
. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address and FTC

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I received an alert that an account was reported in my credit file. I spoke with a supervisor and she assisted me with filing a dispute for fraud. She told me if I wanted those accounts removed and blocked I had to file a FTC report. She walked me through on how to get to website and how to add those accounts to the FTC report. I mailed the documents to Equifax on XX/XX/year> they were received and attached to my Equifax Credit Report on XX/XX/year>. I reached out Equifax and now theyre saying those accounts were put into another 30 day dispute which is not correct. I was told with the documents attached it would take 72 hours to have those accounts removed. Theyre making me wait another 30 days which is unlawful. According to the CFPB, if you have attached an FTC report to support your claim takes 72 hours. Those accounts should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I bought a card that is compromised, XXXX, XXXX. The magstripe does not work and the back of the card shows signs of tampering. I asked the company Blackhawk Network for a refund. The refund has not come yet. 

Blackhawk Network staff claim that they did " research '' and concluded that the card was not tampered with. But I have the card I had to submit a second case XXXX for a refund. 

I want my refund because I did not get a working product as described and advertised.

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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name : XXXX XXXX XXXX  Account : XXXX Amount : {$2600.00} I told XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 person 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