vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: NY

Complaint narrative:
I have identified a discrepant late payment account on my credit report. I would appreciate your assistance in reporting and correcting this information.

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 2024-01-30 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: TX

Complaint narrative:
I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have been trying to get my old address, phone numbers and spelling of my name taken off of my account and it seems like they are stuck. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, De XXXX, and my phone is XXXX. Any other address on my credit report is wrong and should not be on there.

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 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX Wire Transfer issue This is to complain about my Wells Fargo bank saving account international wire transfer issue. 
My name is XXXX XXXX XXXX, I have Wells Fargo bank saving account ( account number XXXX ) and I did an online international wire transfer transaction on XXXX 
After I completed my online transaction, I called Wells Fargo customer service XXXX number to confirm my transaction at least XXXX times, every time they told me the transaction is fine without any error, the money is already in the recipients bank, and she should receive the transferred money in 10 days ( XXXX  ). 
I called Wells Fargo customer services XXXX number today XX/XX/XXXX again, and the representatives told me they are investigating my wire transfer case # is XXXX. This is the first time I hear about the money still not sent and there is a problem in my transaction. Whatever I heard from my previous phone calls were incorrect. The wire transfer should not take so long, and Wells Fargo customer service should not give different / incorrect answers for their transactions when I checked my wire transfer status before. Could you please help to resolve this issue? Thanks for your attention and support. 
Sincerely, 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 2024-01-30 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 reported a dispute on a fraudulent hard inquiry made on XX/XX/23. I included the letter from XXXX XXXX confirming that it was fraudulent activity. Equifax is not removing this fraudulent hard inquiry from my credit report, stating that it will remain on my report for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-01-30 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: TX

Complaint narrative:
All these accounts that I don't know and are in my report I don't want them, I have reported them many times 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 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 2024-01-30 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an online account for checking and savings with BMO as it was a holiday weekend I tried to XXXX XXXX a check for XXXX dollars therefore I was told it would have a hold understandable. I returned the following day with a cashiers check for the amount of XXXX from XXXX XXXX for my mothers account as she passed I was named beneficiary of it and went to deposit it and was told that someone already flagged my account as doubt to pay for the prior days deposit so now XXXX told that Friday XXXX dollars would be available and going off what XXXX told I call in and ask if the hold is off my account XXXX told that the fraud team put a hold on.my account because of the check for XXXX dollars was told my account would be closed if the for XXXX came back as a chargeback I said I have proof of funds which I emailed on the XXXX to bmo from XXXX XXXX the lady said when I called in your account will be back to normal tomorrow night being the XXXX so I went in to a branch on the XXXX in pulled out XXXX dollars then I received a call saying my account was back frozen didnt receive a reason why only that I would be contacted this is very in reasonable and Ive went to the branch multiple times because my identity was in doubt clearly are violating bank laws of deposit holds and freezes

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 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services continue to allege I owe a debt I do not owe and I refuse to pay. They have report this alleged debt to the reporting agencies damaging my character and reputation. They have failed to provide any documentation to support their claims nor was I ever informed of my right to dispute this alleged debt before they added to my consumer report.

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 2024-01-30 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-30 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: MS

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
Issue : My credit report contains an inaccurate birthdate that matches my father 's. This incorrect information causes significant financial hardship for both of us. 

Impacts : Denied Credit : Both myself and my father have been denied loans, credit cards, and other credit opportunities due to the mixed-up birthdates. 

Negative Credit Scores : Our credit scores are negatively impacted, leading to unfavorable interest rates and insurance premiums. 

Potential Identity Theft : The data overlap raises concerns about potential identity theft, further jeopardizing our financial security. 

Urgency : This error has caused substantial financial stress and necessitates an expedited resolution. 

Supporting Documents : Relevant documentation like driver 's licenses and birth certificates will be provided to verify the inaccuracy. 

Request : Immediate correction of the incorrect birthdate on my credit report. 
Investigation into the source of the error and steps to prevent similar occurrences. 
Compensation for the financial losses incurred due to the inaccurate information. 
Conclusion : We urge Experian to address this issue promptly and with due diligence. The misinformation has caused significant harm, and swift action is crucial to rectify the situation and prevent further damage.

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 2024-01-30 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: MO

Complaint narrative:
Experian closed this account with again one of the longest explanations that again are ridiculous THIS PREDATORY COMPANY STEALS PEOPLE 'S HISTORY FOR PROFIT As requested FORWARDED TO THE F.T.C.AND D.O.J

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i reached out to Transunion on numerous times about theses listed inquires and they have failed to remove the nquires listed i sent a cfpb complaint since XX/XX/XXXX no response or removal 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Never provided evidence never comply with instructions when presented with laws to prevent misconduct ignores identity theft reports and police reports Denys right to block fraudulent information 90 day or more of violations causing unnecessary damage to my life and ability to obtaining credit to pay my needs

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 2024-01-30 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: TX

Complaint narrative:
Hello the following charged off account has been reported as income to the IRS. XXXX account XXXX for the amount of {$6500.00}. 

According to:1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have not given permission for my income to be reported on my credit report. Please remove or delete the account that is reporting my personal income. 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX I bought a XXXX XXXX XXXX XXXX called XXXX XXXX Package in which I was entitled to weekly training webinars, XXXX assigned mentor for support, assistance and review for financing on qualified deals, offers and contracts before submission, XXXX XXXX to work deals for 2 days, Access for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX told me I will get all of this as soon as I pay for the package. So on XXXX XXXX I paid with my debit card from Citibank the amount of XXXX and on XXXX XXXX I paid the amount of XXXX. On XXXX XXXX I call Citibank to dispute these transactions because on XXXX XXXX I called XXXX XXXX and makes my complaint about not getting all the things that were in the contract I signed they told me I have to wait for they to check if I qualify to get my money back. So this is the reason I dispute these transactions with Citibank to help me to get my money back. Then Citibank sent me a letter asking me for the days of the transactions and the amounts and explanation of what happened. They never ask me to send any paperwork, I did what they asked me for following the protocol but on XXXX XXXX they sent me letters saying that they werent able to resolve the dispute because of lack of information. I called them and sent them email letting them know they never asked me for any paperwork to proof or show the fraud so they reopen the disputes but till now they never answered me back. On XXXX XXXX I sent by a fax all the paperwork asked me from these transactions and I didnt get any answer back so on XXXX XXXX I sent a mail to Citibank with all the paperwork they asked me but till now I dont get any response. I think I acted as fast as I could to dispute these transactions but Citibank didnt support me. This XXXX XXXX  had a court accin that the FTC of USA opened against them around XXXX XXXX after that on XXXX XXXX The court by the petition of the FTC cancelled everything XXXX XXXX XXXX were doing because of the fact of using students selling classes package that they never give to them properly according to their contracts. Im in New York and I know there were many students from different states of USA that were affected by XXXX XXXX XXXX but I know many of them were helped by their banks to get their money back. My complaint is against Citibank because they didnt give me enough support to get my money back and till know every time I called them they kept me in the phone for hours with no explanations about my disputes. I know they been helping students that did their transactions on XXXX and XXXX but I feel that they denied their help to me. I have all the paperwork that I sent to Citibank if you guys need it to help me Thanks so much Sincerely 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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2024-01-30 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
i made a hasty decision because my mother-in-law was XXXX and was trying to help out my husband with paying for hotel bills going back and forth to and from our destination. i asked for a loan. it had to be secured with my car if i got it it was demanded that collateral was a must. i transferred my loan from my credit union to go with XXXX main. then i came back a year later to state i wanted to get additional funds due to me going to Hawaii for my anniversary and again used the car for collateral. now i have been paying payroll deducted however i what to go back to my credit union due to the interest rate is too high. i inquire and was told the young lady that wrote up my loan is no longer there and that my title to my car has been lost. spoke with a XXXX XXXX and she swears she is working on it and have called several times within this past year and still have not gotten a response to how they will rectify my issue. Bad customer service, It is like they want your business and then once they get it it is all downhill after that. Til this time and time i have not gotten a call back. so now i feel like i am being held XXXX with this loan because they have lost my title and now i can not go anywhere else.

Company response to consumer: Closed with explanation