vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2024-03-08 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: NJ

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2024 at around XXXX I applied for a XXXX credit card administered by Citi . I was approached by a sales associate of the XXXX XXXX, WI. location who said they could save me {$50.00} if I signed up. I entered all of my information and the application was denied and it came back with someone elses name. They had me re-enter my information and it still came back denied. It sounded like the internal support person encouraged the associate to have me reapply under the wrong name. The internal support person then asked to speak to me and they said I was denied and that a piece of mail would come and I would have to follow the instructions. Now I am unable to even speak to anyone at XXXX to get a straight answer as to what was happening, why it happened, and how it will affect me.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Charged a XXXX dollar late fee on a total late outstanding balance of XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan was sold from XXXXXXXX XXXX XXXX to Newrez Shellpoint in XX/XX/2023. I started my electronic payments to the new mortgage in XX/XX/2023. The mortgage company receive payments for interest and principal only. I pay the taxes and insurance myself yearly for the last 4 years when I opted out of the service ( the property is worth about {$450000.00} and the loan is less than {$100000.00} ). Now I started receiving letters and calls from Newrez to pay late fees and fines for almost {$800.00} and that I have not paid the loan because they created and escrow account without my authorization and diverting my payments there to, according to them, pay tax and insurance. Also that the house its going to be in foreclosure. This Mortgage company is committing fraud trying to create fees that doesn't exist and harassing me to accept their terms or they are going to ruin my credit and have the house sold to recoup their fictitious fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX Numerous times family members and friends gave purchased their gift cards and their money were stolen and when we call the company customer service someone from XXXX picks up and ask us to submit our government ID and they MAY give us money back. I think their gift card security is either breached and they don't want to disclose it to public which can affect their sales or more likely they use the deposited money themselves either directly or indirectly with the hope that out of 100 people whose money they steal only a small percentage of people will actually go through the hassle of multi-step card replacement and dispute transaction process to claim their money back. That's dishonest and fraud especially when we have to pay an extra {$5.00} to XXXX when we purchase their card for convenience of use and security. Please kindly investigate their business. Thank you very much for being our advocate!

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 2024-03-08 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: TN

Complaint narrative:
Based on the Fair Credit Reporting Act, the list of accounts below violated my privacy rights under 15 USC 1681. 

I called XXXX, XXXX, and Equifax to check these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX XXXX. THESE TWO ACCOUNTS ARE A MAJOR VIOLATION OF MY RIGHTS ACCORDING TO 15 U.S.C 1681 section 602 A. States I have the right to privacy. ALSO, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CORELOGIC INC
State: TX

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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 2024-03-08 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMDODGERA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-08 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 am writing to dispute an unauthorized inquiry that appears on my credit report. I have no association with the listed creditor and did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Hello. I want to file a complaint against the City XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX  as they have mishandled my insurance claim or lack of submitting one. 

On XX/XX/XXXX, I unfortunately, had to call the XXXX  and was XXXX to the nearest XXXX ( XXXX  miles ) away. For this transport, I was sent a bill of {$1900.00}. As soon as I received, I called XXXX to provide my insurance information for them to submit a claim. 

Sadly, I had to follow-up several times with the XXXX Of XXXX as they were not capable of submitting a claim. I spoke to : XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX ( a manager ), XXXX. XXXX, XXXX. XXXX ( on XX/XX/XXXX who said that a claim was sent on XX/XX/XXXX via USPS, and again on XX/XX/XXXX ). 

To my dismay, I received a collection letter from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX that I now owe {$2200.00}. I also have tried to pay exactly what I owed which is the {$1900.00} but was denied and told I had to pay the fees on top AND had to pay before the 45 days to prevent my outstanding credit from being penalized. 

I did everything in my power to for what was owed after my medical insurance paid their part. 

I have spoken to many others about my experience and it seems this is similar to others experience with using ambulance services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/XXXX, I initiated XXXX XXXX  transfers. XXXX for XXXX, the other for XXXX. On XXXX, XX/XX/XXXX I received received a call about verifying the bank information and the XXXX transfer transfer was authorized. I asked about the other transaction, the one for XXXX}, and was told that it was verified bank to bank and was in process. 

I later found that the transaction was reversed. On XXXX, XX/XX/XXXX I received XXXX  phone calls from XXXX Goldman Sachs, asking me to verify my information, but despite providing all of this information, the XXXX transfer was not completed. that transfer was again reversed for no apparent reason. 

Today, XX/XX/XXXX, I called XXXX Goldman Sachs again and was told that if I initiated another transfer XXXX  it would take place this XXXX. That did not happen. It has now been XXXX days since I initially requested this transfer and XXXX, Goldman Sachs is still holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX loan. Its identity theft it has XXXX debt two different loans on transunion non on XXXX and one for XXXX on XXXX please ask all to remove its not mines it was open not authorized I didnt sign for anything

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 2024-03-08 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: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-03-08 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Violated privacy reported late payments 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 2024-03-08 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.

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX I had a CD with American Express online banking account ending with XXXX that matured on XX/XX/2024. 
I notified them to transfer the money to my XXXX XXXX. The wire transfer did not go through and they told me over the phone that they sent a check to my address on XXXX XX/XX/2024. I have never received that check. 

I waited for several weeks and did not receive the check. I called them countless time. They said to wait to see if the check would show up. 

The check never showed and I called them after that and they said that I had to submit a Stop Payment Form and they would send me one by e-mail and I could complete it with docusign and return it. The form never came. I called again and I received a form by e-mail that had to be completed and faxed to them. 

I completed the form and faxed it to them telling them that I wanted the funds to be wired to the account number that I wrote on the form, not to send a check. This was done on XXXX XX/XX/2024 I called on XX/XX/XXXX and they confirmed that they received the form. And I stressed that they wire the funds to my XXXX XXXX account and they confirmed with me the XXXX  XXXX account number. And they told me they were processing it. 

I never received the money and I called them many times and was told that it was being processed. 

I called again and they hung up on me once when I asked for a supervisor. On XXXX. XX/XX/2024 I asked to speak to a supervisor and they told me the supervisor is busy and informed me that a check was mailed that day even after I told them not to send a check and wire the money to my XXXX XXXX account. I think they told me they sent a check to just get rid of me. 

Today is XX/XX/XXXX and I still have not received the funds in my XXXX XXXX  account nor received the check that they claimed they sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone # XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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