vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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 I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 


Account : XXXX. 

Account XXXX XXXX  Removed as a collection but Shows as a closed Account on my credit file. 

Account : XXXX XXXXXXXX Removed as a collection but Shows as closed and reports a late. 

Account : XXXXXXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX XXXX bankruptcy needs to be deleted from my credit reports.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
P

ursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX XXXX bankruptcy needs to be deleted from my credit
reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention an error on my credit report that I believe violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed an inaccurate late payment entry that has negatively impacted my credit score.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute a late payment that has been reported on my credit file. According to my records and the terms of my agreement with this account should have been covered by gap insurance, which would have ensured timely payment even in the event of financial hardship.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit report accounts all XXXX agencies that been paid. In full. XXXXsold these accounts to multiple collection agency such .names as XXXX XXXX XXXX XXXX  And XXXX XXXX XXXX,... possibly other collections agencies.. These companies is requesting same exact Amount. And constantly affecting my credit scores for months with these ongoing Disputes.. Information doesn't match which l Have disputed this with Credit agencies for months. And these credit agencies stated this is accurate information. Which. Is not true and effective my credit scores for months. These bills down below attract shows different names. On the bills that iis not accurate information doesn't match. names is incorrect on all the disputes

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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-16 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: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-16 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: LA

Complaint narrative:
After reviewing my Transunion credit report, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information. Please see attachment below

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 2024-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-16 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:
I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 

Account 1 : XXXX XXXX XXXX : XXXX Account 2 : XXXX XXXX XXXX XXXX Removed as a collection but Shows as closed yet reports a late payment, It is NOT My Account :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED '' The following companies have violated my rights : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account, personal loan, etc under an open-end consumer credit plan as late for any reason or 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 2024-04-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED '' The following companies have violated my rights : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account, personal loan, etc under an open-end consumer credit plan as late for any reason or purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Our account was set up on autopay and was scheduled to be paid off in XXXX from a no-interest promotion. In XXXX we realized they were still taking the autopay out. I called and explained that we bought the item for {$2000.00} and set up XXXX payments for {$170.00} ( overpaying by about {$12.00} ) and that it should have been paid off by XXXX. After talking with them, it turns out another item we bought AND RETURNED didn't reflect as returned in their records. So they said to submit a ticket online and attach proof of the return. I did that, and then they replied saying the will investigate the issue. Two weeks later, I messaged through the portal again asking for an update. They said it would take up to 90 days, and that they " would not collect the amount reflected in the account '' or " report to the credit agencies '' until after their investigation is complete. A month later, the balance was reported to the credit bureaus, damaging our credit. I messaged them furious since they IN WRITING said they would not report anything while it is under investigation. They replied and said it would be another 30 days for investigation. Then a month later, they said they were " not able to update the account '' and that they " always report accounts that are 90 days delinquent to the credit agencies '' and are trying to say we owe a ton of money that we DO NOT. I was furious because they IN WRITING said they WOULD NOT REPORT it AND our payment records and proof of return of that other item PROVE our account WAS PAID IN FULL IN XXXX!!! The account currently shows {$720.00} in interest and late fees that we rightfully do NOT owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: MN

Complaint narrative:
I have an XXXX XXXX XXXX debit card account. I have had the XXXX XXXX XXXX account for over 4 years. I am having issue using Ingo Money to cash a mobile deposit check on the XXXX XXXX XXXX mobile app. I need access from Ingo Money to mobile deposit and cash my checks on the Ingo Money app. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-16 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2024 I had an email from both XXXX and XXXX that I had a new hard inquiry on my credit report from WF CRD SVC that occurred that day. I have not applied for new credit through Wells Fargo nor did I authorize a credit check. I do have an auto loan that I opened nearly 2 years ago through Wells Fargo. I contacted Wells Fargo and Wells Fargo Auto Loans and they stated that they did not see any new credit requests on their end.

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 2024-04-16 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 a police report o file for identity theft and this Bureau continue to send verified results to me and is still allowing the accounts to remain on my credit report. I need a human to investigate and remove the accounts the correct and fair way and not a computer system. 

15 U.S. Code 1681i ( a ) - ( 5 ) ( a ) ( i ) Treatment of inaccurate or unverifiable information.

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 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
On Sunday, XX/XX/XXXX, I linked a new bank account with my Marcus account and requested a transfer of {$120000.00} to the new account. They contacted me today ( XX/XX/XXXX ) wanting to verify the new account. I had to contact my new bank and authorize them to speak with Marcus Bank. After everything was verified, XXXX from Marcus Bank told me that my transfer was being disallowed because the account I was requesting the money to be transferred to was opened less than 90 days ago. There is no rule that I have seen or that anyone of the people at Marcus Bank could steer me to to show me this is their policy. I subsequently spoke with XXXX, then XXXX, then XXXX, and finally XXXX with Marcus Bank. I asked XXXX to show me where it says in their policy that transfers can not be made into newly established accounts and she referred me to their rules which says absolutely NOTHING about an account needing to be greater than 90 days old in order to transfer money. Not only did they refuse to complete the transfer ( after thoroughly verifying that the account was legitimate ), they refuse to put the money immediately back into my account as I now wish to close it over the poor customer service I experienced with them. I think this is totally unjust and that they are withholding my availability to my money without cause. I have been a longtime customer of Marcus Bank, but will close my account immediately once I have access to my money. This is poor customer service and I feel they are unjustly keeping my money after they made me go through the trouble of verifying that my new account is actually my account. All of these conversations took place over the phone so I do not have anything to attached. I did take everyone 's name that I spoke with though. XXXX refused to let me speak to anyone higher up in authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-04-16 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: TX

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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