vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
NOTICED ERRORS ON CONSUMER REPORT AND MADE APPLE CARD/GS BANK AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. APPLECARD/GS BANK, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2023 there were XXXX fraudulent purchases made on my account in the amount of {$210.00} ( each ). Upon reporting the fraudulent purchases, Citi canceled my existing credit card and issued a new one. They also started a dispute investigation and credited my card for the disputed charges. 

On XX/XX/2023 I received a noticed about an update to my dispute. In the Noticed and Letters section of the web portal, there is a billing dispute updated dates XX/XX/2023 stating that one of the charges had been reversed due to proof offered by the merchant that the charge was not fraudulent. 

The proof offered by the merchant clearly includes invoices and confirmation notices that state another person made these fraudulent purchases ( " XXXX XXXX '' ). Despite this clear evidence of fraud, Citi accepted the merchant 's claim that the fraudulent purchases were legitimate. 

I called soon after receiving the XX/XX/2023 notice about the reversed charge. The representative at the Citi fraud operations department assured me that they would continue the investigation. They also told me that I would not need to pay the charge that was currently being disputed. 

I called again on XX/XX/2023 for an update. The representative ( XXXX ) at the Citi fraud operations department had no update, but stated the investigation was ongoing. She stated that there would be a resolution within 90 days of the initial fraudulent claim ( she stated this occurred on XX/XX/2023 ). 

When I asked about disputed charge payment and interest and late fee charges, XXXX informed me that they would credit me all interest and late fees for payments not made against disputed charges once the disputed charge was resolved. 

XXXX refused to put this statement into writing either in the form of a mailed letter or in an electronic letter submitted through their secure web portal. As a result, I am left simply hoping or trusting that not only can they appropriately resolve the dispute within the next 2 weeks ( which seems doubtful as they did not properly review the initial evidence provided by the merchant that shows a stranger 's name on the purchase invoice ), but that they will also reverse any late fees or interest charges based on an oral conversation only. 

I do not want to just trust that Citi will adhere to the word of a service representative on the phone, and I have no hard evidence that this guarantee was made to me. A statement in writing would be appropriate.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX : This account was disputed on XX/XX/23 and XX/XX/23. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/23 and XX/XX/23. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other XXXX bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/23 and XX/XX/23. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other XXXX bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX : This account was disputed on XX/XX/XXXX  and XX/XX/. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I loss my home because Wells Fargo could not complete the loan modification process this all started back in 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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
Someone texted claiming to be my XXXX XXXX XXXX  fraud alert and then called me and said they would help me to reactivate or protect my account. I didnt provide any information but they accessed my other bank account attached to XXXX and stole {$900.00} and sent it to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my Name, 2 ) Update my current address, 3 ) Remove my previous addresses, 4 ) Delete this account : XXXX : XXXX, {$6400.00}

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Between XXXX of XXXXXXXX & Now ( XX/XX/ ), tried to secure a payoff amount to consolidate debt. Synchrony has refused to provide this amount to me or my lending institution. This delayed my attempt to close on the loan, so in order to continue with the process. Official letters were sent by an attorney, mailed certified 1st class XXXX, to Synchrony bank & they were instructed to pay them off & close both accounts. Now the accounts are still open ( with a balance of course ). They are harassing me daily, via email, phone calls & text messages. In an attempt to extort more money from me and to continue to charge me late fees in the process.

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received an email notification from Wells Fargo that my debit card had been " turned off '' as requested. I did not make this request, and it prompted me to view my accounts through online banking through Wells Fargo. Upon logging in, there were unauthorized transactions that included a total of {$10000.00} transferred from one checking account to another, and then pending charges from my debit card to " XXXX '' ( {$3000.00} and {$2000.00} ), which cleared on XX/XX/XXXX. 

I immediately called Wells Fargo and filed a claim and froze my accounts. Since I did not request to have my debit card turned off and the email did not include a reference number, the representative said that I had to go into the local branch to change my account numbers. I did this on XX/XX/XXXX, which was as soon as possible with my work schedule. 

I was contacted by an investigator from Wells Fargo who asked me general questions about my banking routines ( e.g. how often do I log in ). However, they did not ask in-depth questions related to the account transfers or about " XXXX ''. I have never had business with XXXX, and this is evident in my account history. It's my understanding ( after a simple XXXX search ) that this company is a money transferring service to other countries. 

I was informed XX/XX/XXXX that my claim had been denied. They provided no further information and stated that I had to request the investigative documents to be sent which would take 30 days. They said there is no appeal process and it had been deemed that I authorized the transactions. I asked how they came to this conclusion because it is blatantly false. No further information was provided. I escalated the call to a manger. The only option was to have an investigator call me back. 

Since then, I have filed a complaint with the local Wells Fargo branch and the AZ Attorney General XXXXs Office, and consulted with an attorney. I was asked if I had filed a police report by the initial investigator and I informed him that I would be happy to, but did not know if I needed to since the dispute was in their hands. He had no response. I have since filed a police report with the XXXX Police Department. 

I have been banking with Wells Fargo for well over 20 years, and I have been fortunate to not experience this before. However, they have questioned my credibility and made me feel like a criminal rather than the victim. It is clear that someone had unauthorized access to all of my accounts, as well as my debit card number, which was in my possession. This is terrifying and they are not offering any assistance. I would imagine this happens to millions of people, and I hope they are treated the same way as an honest citizen.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX did a proper investigation and deleted 2 Dept of Education loans and corrected my payment history on 2 accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/2023 I filed a complaint with the CFPB requesting XXXX XXXX to validate a debt they are reporting on my credit. On or about XX/XX/2023, XXXX XXXX XXXX responded that they were not able to validate the debt so they are going to terminate collection actions and notify the credit bureaus to delete tradeline. However, it's been 60days since and Equifax has not deleted the tradelines. Their actions is causing me pain and suffering and violating my rights. I am considering a lawsuit if tradeline is not deleted in 7days from receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Remove hard inquiry from XXXX XXXX XX/XX/2023 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