vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: GA

Complaint narrative:
XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT EDXXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT EDXXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-02 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: GA

Complaint narrative:
XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Current Status : Closed I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-02 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: AZ

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 2024-08-02 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: AZ

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 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 2024-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a product from a retail established retail store XX/XX/XXXX. Received the item paid with a one time credit card via XXXX of XXXX item was a gift and never opened or used the birthday of the gifted person was XX/XX/year>, upon examining the item is was not what I ordered so initiated an online return immediately. Thru the retailer website, was sent a return label that I had to pay for to return via XXXX  XXXX. Package was repackaged UNOPENED and bubble packed tight and dropped at the nearest drop-off point XXXX less than XXXX miles from my residence. Item was 3LBS plus the box and wrappings making it a total, of 5LBS when weighed in and began tracking thia was all by XX/XX/XXXX, the next day. The retailer received the product XX/XX/XXXX and sent a email stating as such. I expected my refund 10-14 later XX/XX/XXXX. N0 refund. I've called a total numbers of 12 times minimum since the XXXX of XXXX. After stating through email thet GOT the item, I still received no money ( refund ) for an item they clearly admitted to receiving. I'm livid by this point and recently contacted them yet again XX/XX/XXXX, They now are back treading saying they didn't receive anything but yet saying now, the box was empty and they didn't get nothing in it, which is a out right lie. The shipping company weighed the package and a empty box doesnt, weigh 5 pounds... I want my money back from these people and since I used XXXX they think Im suppose to pay them for a item I don't possess but yet was acclaimed to have been received initially. scam company and I want my money back on the card I used to purchase the installment that me/and XXXX  advanced me the loan to pay it up front in full. Saks Fifth Avenue AND XXXX are the companies I dispute the non actions route they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: OH

Complaint narrative:
I recently visited my doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I XXXX XXXX  without this XXXX. The error is as follows, US DEPT OF EDU account # XXXX Payment status COLLECTION for XX/XX/2022. The payment status for XX/XX/2022 is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Money Gram is XXXX profiling money being sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
My name is XXXX XXXX and there are multiple different spellings across all 3 credit bureaus also my address is and has been the same forever however it is not on all XXXX bureaus and multiple unknown addresses appear as well as multiple jobs and phone numbers and that is the only number Ive had as an adult. As well as multiple multiple collections that do not belong to me as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have cost me a single mother so much hardship in obtaining much needed credit to provide me and my family a place to live and means of transportation amongst other things.

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 2024-08-02 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC 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 XXXXXX/XX/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 2024-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a bed from XXXX XXXX and they aggressively pushed their store card on me, advertising 0 % interest for a year, while failing to mention that if I did not pay the balance in full within a year, I would be charged interest in arrears at 35 % for the initial amount financed at the time of purchase. ( I have a XXXX credit score, no less ). I would NEVER have signed up for this if I had not been deceived. 

Alas, I was charged {$700.00} interest on my last statement on a balance of {$1600.00}. I tried to resolve this with them, but they refused unless I immediately paid through my checking account. I offered to do a balance transfer to my main credit card with XXXX XXXX- they refused! This is unethical and immoral at the very least. The bank issuing this was Synchrony Bank - notorious for deception! I have reported them to the CT Attorney General. XXXX XXXX aggressively pushed this financing. I suspect there are kickbacks involved for this conspiracy, although I have no evidence. Im not sure who is to blame, but Synchrony Bank has a horrible reputation and should be called to account for their deceitful and predatory lending practices.

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 2024-08-02 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:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
Remity is racial profiling money being sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They have incorrect inaccurate information on my credit report

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 2024-08-02 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-02 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-02 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-02 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-02 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: CA

Complaint narrative:
I havent gave XXXX equifax or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX Equifax and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
I havent gave XXXX XXXX or Experian the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and Experian are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 explanation