vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
XXXX XXXX XXXX has sent me XXXX letters to date letting me know that through thier company my personal information has been comprised. I went on all three bureaus to see information that's not mine. I am in need of assistance getting and keeping scammers from being able to use my information. I'd also love to hold XXXX XXXX XXXX accountable for allowing my PERSONAL information to be accessed without my permission.

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 2024-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-05-14 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: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-14 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Last week I submitted a order through XXXX Bank to transfer {$240000.00} out of Marcus. Why? Because I found a better interest rate ( 5.55 % instead of 4.40 % ). The transfer seemed to go through nicely. 
On Saturday, I logged into my Marcus account to transfer funds between my two Marcus accounts, but the transfer request was denied? Why? They refused to tell me.

Then, the geniuses at Marcus decided it would be wise to claw back the money they has successfully transferred to XXXX, which caused serious problems for me at that bank. 
. 
Now it is Tuesday. They still have provided no explanation for what happened and I still have no access to my money. They keep telling me I need to wait 5 days while they " investigate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 2024-05-14 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: MA

Complaint narrative:
On XX/XX/XXXX I mailed a copy of the FTC Identity theft report, A notarized affidavit of the identity theft, copy of credit report highlighting fraudulent accounts, copies of the FCRA 605 b laws, Personal letter, application for a fraud alert and all the required identification requested from the CRA. Packaged everything up and sent it Certified mail with signature and return receipt. I will upload all documents sent. The documents describe accounts and amounts with dates etc. The fraudulent accounts were never blocked as per law states and the CRA never replied to me on the status.

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 2024-05-14 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: MO

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Saw a number of transactions going on with our PayPal debit card. I called Paypal at XXXX something in the morning. While on the phone there was a second XXXX charge going on. The Paypal representative canceled the card and had me change the account password. They opened a claim on all of the charges. But XXXX  days later the charges were denied. They told me that they could not prove I did not do the charges. I specifically told them numerous times I did not make those purchases and I have never done business with either of the companies. I do not even know who that is. They refuse to comply with my request and will not reimburse my funds. I state that I did not authorize all of these transactions. They are Unauthorized transactions! 

XX/XX/2024 XXXX - {$260.00} XX/XX/2024 XXXX - {$260.00} XX/XX/2024 XXXX XXXX - {$140.00} XX/XX/2024 XXXX XXXX - {$42.00} XX/XX/2024 XXXX XXXX - {$250.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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: MD

Complaint narrative:
Looking through my credit report I came across quite a few hard inquiries that are not mine.

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 2024-05-14 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please take a look at the attached letters and ID docs for verification. The stuff on my credit report is wrong.

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 2024-05-14 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please take a look at the attached letters and ID docs for verification. The stuff on my credit report is wrong.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Continental Finance Company, LLC
State: OK

Complaint narrative:
On XX/XX/year>, my credit card was charged XXXX ( {$50.00}, {$200.00}, {$200.00}, {$310.00} ) different times at XXXX different XXXX in the state of XXXX I live in the XXXX and have not been to a XXXX. I have reached out to XXXX Credit Card 5 times for information on the charges and to dispute them. Their words are they have no idea about the charges but they are on my statement and XXXX is wanting payment. I have been transferred multiple times and I believe that was done so I would stop calling the company. The phone number I used for XXXX ( service marks used by Celtic bank ) /Continental Finance Company XXXX credit card service company XXXX is 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 2024-05-14 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: SC

Complaint narrative:
We received an alert from EQUIFAX, XXXX, XXXX regarding some accounts in the name of XXXX XXXX & belonging to XXXX XXXX. It appears that EQUIFAX, XXXX, XXXX is in possession of some accounts but has not submitted any proof of the right to claim the legal title. We did not authorize EQUIFAX, XXXX, XXXX to hold the accounts. I need further clarification of your possession and who authorized this without the consent of the XXXX XXXX. Additionally, if you don't have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest. I will send over a updated agreement for possession of XXXX property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Request to Reverse Account Closure and Reopen Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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: LA

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
I'm experiencing XXXX, dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contact XXXX, Equifax and XXXX to have my personal information corrected. Which include name corrections, address and remove out dated information. XXXX updated the information without hesitation. XXXX and Equifax would not perform the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
I have recently reviewed my credit report and have identified inaccurate item that is erroneously reported : XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I request that this item be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this item with the respective creditors who have reported it. Any information that can not be verified by the creditor should be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.

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 2024-05-14 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: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-14 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:
XX/XX/2024 I contacted XXXX XXXX ( Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.

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 2024-05-14 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: MO

Complaint narrative:
XX/XX/year> I contacted XXXXXXXX XXXX  ( Card holder for the XXXX XXXX ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXXXXXX XXXX XXXXXXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, 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