vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-03 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: GA

Complaint narrative:
" I have disputed multiple inaccuracies on my TransUnion credit report, including outdated addresses, unauthorized inquiries, and incorrect personal information. These disputes date back several months, but TransUnion has failed to resolve them despite clear evidence and documentation. 

Outdated addresses : My report lists addresses I have not lived at in over a decade, such as multiple locations in XXXXXXXX XXXX and an XXXX, XXXX  address. These are irrelevant to my current credit profile. 
Unauthorized inquiries : Inquiries from entities such as XXXX XXXX, XXXX XXXX, and others appear without my authorization and should have been removed following prior disputes. 
Incorrect personal information : My report includes an inaccurate alias, XXXX XXXX XXXX XXXX ' and unnecessarily displays sensitive details such as my full date of birth and Social Security number, putting me at risk of identity theft. 
TransUnion has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit report and to respond appropriately to disputes within 30 days. The continued failure to address these issues violates my rights and places me at significant financial and personal risk. ''

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
4 months ago I deposited my government check into my citizens account. They have illegally put it on hold for more than 90 days even though it cleared the same week and they were paid. I lost my apartment, I had to give up my dog and sell my car to make ends meet. Everytime I walk into the branch they tell me they cant do anything its corporate thats holding my funds and they have no phone number to reach them and corporate do as they please. There is no accountability or transparency at this institution. I believe I was profiled. My check cleared the same week they received it so I dont understand why they use these malicious practices on me. I am currently staying with a friend because of this whole ordeal. I just want my funds and card to be released and for this nightmare to end with Citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I searched on XXXX and called XXXX XXXX XXXX on XXXX to book a stay in XXXX on XXXX XXXX from XX/XX/scrub>XXXX  XXXX to XXXX  My apple XXXX XXXX  was charged during the conversation of {$1200.00} for 2 days. Im not satisfied with the price and asked the agent to cancel my reservation. I was told it was canceled. I dropped the phone and finished the conversation. I booked the same hotel stay using XXXX using a different credit card with similar price for 3 days as I check in early XXXX not XXXX  I didnt receive any confirmation text message, email of the Apple Card purchase from the vendor. I received a confirmation from XXXX. 
On XX/XX/scrub>XXXX  since the Apple Card purchase is not refunded, I dispute the charge. It hasnt resolved till now XX/XX/scrub>XXXX  after at least XXXX cycles of disputes. 
Apparently the agent telling me the reservation was canceled didnt do the work correctly. 
I completed my XXXX stay under the second reservation. The hotel and Apple Card blame me for the duplicate reservation in XXXX system which should be canceled as I dropped the phone and I wasnt notified at all. More importantly I didnt utilize the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am a victim of Identity Theft and have noticed several fraudulent inquiries made to my credit. I have sent in the FTC report to the credit bureau along with other supporting documents showing proof but the credit bureau failed to respond to resolve this matter. They are breaking the credit law! Please have the credit bureau remove these inquiries immediately. Inquiries listed below : 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 2024-12-04 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: CA

Complaint narrative:
I am writing to address serious concerns regarding issues I have found with my credit report. During my review, I noticed multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are impacting my financial stability, and I urgently need your assistance to resolve 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 2024-12-04 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: CA

Complaint narrative:
I am writing to address serious concerns regarding issues I have found with my credit report. During my review, I noticed multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are impacting my financial stability, and I urgently need your assistance to resolve 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
Hello, My name is XXXX XXXX. On XXXX XXXX XXXX I made a XXXX transfer From XXXX to my cousin XXXX XXXX who is at XXXX. The transfer number was : XXXX. I had sent XXXX. The transaction was canceled. I requested a refund from the company. They told me that I would be refunded in XXXX business days but since then I still have not my money. I wrote to them twice in a row but still nothing. That is the reason for which I am writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
The account with was fraudulently opened XX/XX/24. Ive been trying to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove the debt on several occasions but you can not reach them to speak to anyone. I have not done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not signed a contract with credit management company. I dont owe this debt and I am not liable to pay this debt. Ive never received written or verbal communication from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for the debt to be removed from my credit report. They continue to change their alias so that its difficult to remove from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I don't recognize these addresses please remove thank you. XXXX Bless you and happy holidays. 
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 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 2024-12-03 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 don't recognize these addresses please remove thank you. XXXX Bless you and happy holidays. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX XXXX Requested balance transfer of {$49000.00} from Bank of America ( BOA ) to XXXX as a corresponding bank to be paid into a subsidiary bank account. 
BOA representative indicated the XXXX account number on the check, but indicated the subsidiary account number on the address line ; so, the recipient had not received the funds to date. 
XXXX XXXX BOA checked cashed by XXXX as attached. 
From XXXX  to date, I have requested BOA multiple times to recall the cashed funds from XXXX, since the recipient never received the funds. 
I continue to make regular payments on the loan to BOA, and BOA insists the recipient should deal with XXXX, which is holding on to the funds, and not returning the funds to BOA.

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 2024-12-03 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:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Accounts need to be removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I was given a {$25.00} American Express gift card as a bonus from my work to spend on Thanksgiving food. I've had trouble using these in the past and have been told by AmEx customer service that they work more consistently when added to a virtual wallet. When I received this card, I tried adding it to my XXXX XXXX, but was unable to do so. I also tried purchasing a XXXX gift card and was declined. I called customer service and they said that a security measure preventing cards from being added to virtual wallets was removed from this particular card ( why it was in place, I don't know. They were the ones who suggested adding it to a wallet in the first place ). After that call, I was able to add it to my XXXX XXXX. However, when I checked the balance online it said it was {$24.00} rather than the full {$25.00} due to a pending transaction with XXXX. I talked to customer service & they said that charge would go away on XX/XX/year>. On XX/XX/year>, I attempted to purchase a {$25.00} gift card at a local liquor store ( XXXX 's in XXXX ). The purchase was declined and when I logged in to check the balance, there was another XXXX cent pending charge to XXXX. It feels like AmEx is trying to make it difficult to use their cards ( and certainly difficult to use the full balance ) so that they can skim the unused balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
Subject : Complaint Regarding Inconsistent Date of Last Activity Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am filing this complaint regarding discrepancies in how the Date of Last Activity ( DLA ) is reported by the major credit bureaus on my credit report. Specifically, the DLA for all of my accounts reflects conflicting information across different bureaus, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : 1. Inconsistent DLA Reporting : XXXX reports a DLA of XX/XX/XXXX, XXXX  XXXX XXXX, acct # XXXX XXXX shows XX/XX/XXXX, XXXX XXXX XXXX XXXX acct # XXXX and TransUnion shows XX/XX/XXXX XXXX 
2. Impact on My Credit Profile : These inconsistencies have negatively impacted my credit report by creating confusion regarding the accurate status and age of the account. It may also unfairly prolong the time this account remains on my credit report, in violation of FCRA provisions on accuracy and fairness in credit reporting. 3. Attempts to Resolve : * I have contacted the credit bureaus numerous of times regarding this issue. Despite my efforts, the discrepancies rema
in unresolved.

Requested Resolution : I respectfully request the CFPB to : 1. Require the credit bureaus to improve their processes to prevent similar discrepancies in the future.

2. I demand this account to be removed due to inaccuracies on my credit report under Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681

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 2024-12-03 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

THD/CBNA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD 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