vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XXXX, my wife and I have frozen our credit. We unfreeze it when we need to make a purchase that is financed and to take advantage of credit card offers. 

Over the past 8 years, there have been 7 different times we have attempted to unfreeze our credit with Experian but have been unable to because of their website problems. The first 3 times ( me twice, my wife once ), we had to write them to reopen accounts because we were locked out. Because of their issues, we had to pay a higher finance rate. We have also missed out on credit card offers. 

Since that last time we were denied, we hadn't had any problem with our 2 or 3 attempts to log into Experian 's website and unfreeze our credit until recently. 

At the end of XXXX this year, I tried to unfreeze my credit again so I could apply for a credit card offer. The website wouldn't allow me to get past the second page, though I could see I entered the information correctly because the second page showed my personal information. 

I ended up using my cell phone to unfreeze my credit. 

Over the past two days, my wife has made several attempts to unfreeze her credit. First, she used login information that Experian gave her in XXXX. There was no place to input that information. 

Then she attempted to create a new account. She was denied because on the cells didn't work properly on the application page. The pop up stated that her username and password needed to be different. The two were completely different. She even tried several different usernames and passwords. 

If this was a one-off event, I would understand. But this has been going on for 8 years. 

I have never had a problem unfreezing our accounts at XXXX and only once had I had an issue at XXXX ( that was fixed the next day ). 

Access to our credit information is not only required, it is critical to our safety and security. Experian has been negligent time and again at stopping us from getting the information we need when we need it. 

Please hold them accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: Winklevoss Exchange LLC
State: WI

Complaint narrative:
I currently have a Gemini Credit card ( XXXX ) which is from New York they are also a crypto exchange. On XX/XX/2023 I made a purchase ( {$2000.00} ) with XXXX XXXX through there vacation/travel division they also use to offer hotel deal to passengers that are flying with them as well. The purchase was for hotel stay with the XXXX XXXX in XXXX XXXX Nevada. for XX/XX/2023. I stayed at the hotel up to XX/XX/2023 due to the fact i became sick because there was toxic chemical on the entire floor. The XXXX made a comment that there was a painting convention here and perhaps were painting in there rooms and she noted all windows are sealed so maybe the chemical smell was coming from the doors. 

In any case I checked out of the XXXX XXXX and asked for them to send me a itemized bill which they did. The TOTAL amount of my stay was ( {$1100.00} ) which they sent me a copy of. They mention this is what they bill XXXX Vacations ( XXXX XXXX ). After I seen that XXXX vacation still owe me money ( {$2000.00} ) this I opened up a dispute with Gemini Credit Card dispute department and waited patiently. Keep in mind i have sent them emails and called them live at XXXX. The customer service person that answer the calls NEVER let you EVER talk with the credit card dispute department it is always them ( ESCALATING THE CASE ) the phrase they use many times which result in no reply 's. 

Finally after months i received a email from Gemini Support saying they have ruled in the merchants favor and i would be getting a reason why in the mail XXXX to 10 days. I waited 13 days before calling them stating i NEVER received anything in the mail from them. 

Then to my surprise the rep on the phone stated the {$2000.00} amount was NEVER investigated only the {$100.00} from the PLAZA was investigated and closed out. 

Again EVERY time i call they always say the SAME thing we will ESCALATE THIS. 
As of today XXXX writing XX/XX/2023 I NEVER received any letter from Gemini or any emails for additional information. I explained to them in emails that I will sue XXXX in civil court and need ALL information regarding my dispute if i deiced to go the civil court course and they DO NOT REPLY. 

I never been treated so unprofessional in my life with ANY credit card company just asking for basic information. I plan on writing to master card later to ask them to consider to revoke there right to use there credit card of the horrible customer service they are doing and things i mentioned above.. 

I have copies of my hotel stay at the PLAZA and a copy of my {$2000.00} charge from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
A credit card application was completed in TD bank branch. Forms were emailed. Then TD never responded about application. Reached out to branch and XXXX number, was told there is no information in system reflection credit card application. 
Received email from TD Bank for credit card prescreening promotion. Went into branch and sat down with branch manager. Provided personal information along with PCN number for application. TD system gave issues for processing application again. 
There seems to either be an issue with the particular branch ( branch XXXX ) or the system is biased and false advertising promotions intentionally!! 
TD credit card practices are deceitful or intentionally targeting specific clients to not process applications thoroughly and properly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: MO

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-08-31 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: IL

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 explanation
Consumer complaint received 2023-08-31 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I'm dealing with a debt issue related to a hospital, but it's not the original debt. I've been receiving letters from different companies regarding this debt for various financial services. I would like to be removed from their mailing lists. Additionally, there is no signature proving that I owe this debt of {$1100.00} to the financial company handling the original debt. 
It's really important to put an end to the debt harassment and make sure your personal information isn't sold without your consent. Let 's work on stopping the harassment and protecting your privacy!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from Transunion and XXXX. 

XXXX did corrected few items from my report but no action from Transunion and XXXX. 

There is almost XXXX point credit score difference between XXXX and Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX Fifth Third Bank is who I have done banking with for 3 years and while I am sitting at work one day with my debit card in my hand, I logged into my account online and my money had gone from {$410.00} dollars ( which was part of my rent money ) to XXXX dollars and the charge said XXXX I have no bills I pay to XXXX for any reason whatsoever. I reported this immediately to my bank and they shut that debit card down. It states in the cardholder agreement that with-in 10 business days they will credit my account while they complete their investigation. It has been 30 days and I still have not received my money back I even called XXXX and they looked into it and told me I was a victim of gift card fraud. The criminal who created this crime got away with getting my money out of my account to purchase a gift card and then cashed it. If I can not receive that money back by the XXXX of XXXX My daughter and I will become homeless with no place to live because the bank did not honor their agreement they sent me a paper to sign told me I could email it back I did the same day and still nothing no money. If I become homeless where is my protection I am scared to death and someone needs to be arrested for this crime. I was a loyal member for years and this is how I am treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


1. XXXX Collections {$690.00} 2. XXXX XXXX XXXX {$5100.00} 3. XXXX XXXX XXXX {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX  XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I went in for a XXXX XXXX XXXX XXXX and received information in a billing form that my insurance was checked and a product registered without my verbal permission. This information action is still running. I attempted to delete my registration and they continue to roster my for appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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