vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: NY

Complaint narrative:
I compose this complaint while grappling with an overwhelming blend of dismay and indignation that any individual in my circumstances would undoubtedly experience. I am absolutely shocked by the astonishing and unjust rejection of my identity theft claims by your organization, despite my provision of substantial evidence in the form of an FTC report. The Federal Trade Commission ( FTC ) has acknowledged the legitimacy of my claims. I have diligently followed all proper procedures, and it is inconceivable that your organization persists in disregarding the law and my rights as an identity theft victim.I will not hesitate to enlist legal representation to ensure that your organization is held accountable for its negligence, please remove these accounts : XXXX XXXX XXXX & XXXXXXXX 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 2023-09-27 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: FL

Complaint narrative:
Despite multiple written requests, the unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was making timely electronic payments on a Matress Firm account purchase. Those were made from my bank account and the last ( paid-in-full ) payment of {$240.00} was made on XX/XX/2023. However, Synchrony bank still did sent me a statement with a delinquent amount which also included a fee. I phoned call it and I was told that the payment had been wrongfully posted into another account, but I was promised that it will be corrected and applied it to my account. However, in XXXX the bank sent me a statement requesting the payment. I called them again and was told that a refund check was sent to me in the mail, which I did not received. Again, I was promised that-since I did not get any refund check- they will apply the payment and cancel such check. They failed to do so and Since then I had been calling and calling to get the issue fixed, as well requested written confirmation of the promises made on the phone conversations with them. But nothing has been fixed, rather the bank is now adding charges to the final balance, but failed to sent me statements since XXXX. It only keeps emailing me, improperly requesting the payment which I already made since 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 monetary relief
Consumer complaint received 2023-09-27 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

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 2023-09-27 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 2023-09-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : 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 2023-09-27 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
i received a refund from the irs for XXXX its not fraud or nothing like that. i have all my paperwork from the irs and everything is correct. chime is holing my money and will not send me my remanding balance. they asked for paperwork and i sent them everything i possibly had to offer. can you all please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
So i went to buy a car i did money orders after i got there he didn't accept it and demanded cash or chime because i will have it right away, i first send him a XXXX dollar to test and went through... right after he took a second and say send it wich i did and started acting XXXX like he didn't receive it and i called the bank and told me that the account was recently created and wasn't the one i send the money .... i try many forma to make the bank pay me .... i did call them right away in the moment and they frozen the transaction and i believe that close the fake account but the did not release me the money is been 2 years now or more .... i try to report to them everything but was no success

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My business name is XXXX XXXX XXXX. 
The case number I was given by Capital One Bank about my case is XXXX I opened a business checking account ending XXXX with Capital One Bank in XXXX. I have used this account many times for my business. 
On XX/XX/XXXX, I wired {$100000.00} to another construction company that I do investment with. On Capital One bank online banking I did the wire transfer. After the wire transfer, online banking system showed that my wire transfer was successful. I have a screenshot of the notice. However, on the 2nd day, XX/XX/XXXX, when I logged in to my online banking, the system showed that ALL OF my money is not available, I needed to call XXXX. I started to call this number On XX/XX/XXXX, that day from XXXX XXXX until XXXX XXXX., Capital One Bank transferred me many many times to many different departments back and forth, but nobody could explain to me why my money was not available to withdraw. I stayed with them on the phone for 6 hours on that day. 
On the second day XX/XX/XXXX, my checking account was not available. I called the same number again. I was TRANSFERRED by them many times to different departments back and forth again!! Many times I was transferred to the wrong department and the wait was a very long time. I answered all the questions they asked and did whatever they asked me to do, but the result was the same, my money still showed as NOT AVAILABLE FOR ME TO WITHDRAW. I am doing business with my money I am losing money each day because they are holding my money. 
I did not call them on Monday XX/XX/XXXXXXXX  because I thought they might work on my case. But the answer is NO, the restriction is still on my account. 
Today XX/XX/XXXX, Tuesday, I called the same number shown on my online banking from Capitalone Bank Again. I have been transferred 3 times. The last manager I spoke with was from their business account customer service department, he told me that theres NO restriction showing on my account, but a specific agent from the Fraud department also called the customer protection department which I or they are not able to call, that agent put the restriction on my account and it has to be that agent to take off the restriction from my account. Also, they have emailed that agent about my case many times since XX/XX/XXXX, but no one knows why theres still a restriction on my account. Sounded like The only thing they could do was just wait and hope that agent checks the email. But if that agent does not check email, my money will be held by them forever!! 
I am losing money because Capital One is holding my money and also wasting time. I need help to get my own money out of Capital One Bank!!! 
I have saved many managers ' names and ID I spoke on the phone I am happy to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-27 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: CA

Complaint narrative:
Based on Fair Credit Reporting Act I have unknown inquires on my credit report that are 100 % inaccurate and the agencies have not removed them : Here are my steps : I called the Fraud department for the below Credit Agencies : XXXX XXXX XXXX Transunion XXXX XXXX After speaking to someone at each of the agencies about what I consider possible fraud since I don't recognize any of the extra inquiries on my credit report I was informed that the ones I have listed would be removed immediately. It has been 42 days that I have been waiting patiently and I decided to check today only to my surprise they are still there!!! 

I have been beyond patient yet my rights continue to be violated. I am about to lock all of my credit reports but The following listed below are the inquiries that are fraudulent : 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 explanation
Consumer complaint received 2023-09-27 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } has listed { negative listing } on my CHEX SYSTEM file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX } be permanently removed from my CHEX SYSTEM report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA 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 2023-09-27 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: AL

Complaint narrative:
I submitted a letter to the XXXX and Transunion Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$41000.00}

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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has been abusing and furnishing my account with inaccurate information that should have been removed. My student loan DEPT of ED accounts name was changed from DEPT OF ED to DEPT OF EDXXXX XXXX. The furnisher sent them over a request several times to remove the account. I have conducted conference calls and disputes. Experian reps says dispute it but every time that I did, they submit verified. I asked for proof to who verified what they told me they can not do so. By law they are to do so. 

They are also suppose to report credit accuracy and by law they are not. I am afraid to submit anymore information other than the attached screenshot that XXXX and XXXX has honored the furnisher 's request but Experian has not. I am convince they investigation is not accurate because aid vantage advise they did not furnish anything to my credit report and will not until I default or do not pay. I am getting very tired of Experian for over a year. I am going to have to seek legal assistance at this point because its stressing me out and its not okay. 

I am tired of calling every morning before work on the phone for weeks and months to get no where or something they have been advised to move by the furnisher and they took it up themselves to combine my closed accounts together in one and instead of saying XXXX XXXX  which legally they know they can not because XXXX XXXX did not furnish anything on my report. They took my account that should be closed and combine the names. How unethical is that... 

Please someone tell Experian to remove this account enough is enough

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 2023-09-27 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation