vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries, and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries, and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WI

Complaint narrative:
All of a sudden, I saw this debt collection on my credit report. I never heard from them, never got a letter... nothing. Then it just shows up on my credit report. My credit has been pristine, and now this happened and has crushed my credit report. I don't know where this debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed several disputes with Equifax about hard inquires that O have no knowledge of nor did I give my permission to run my credit to these companies. Equifax refuses to help me. They refuse to tell me who they are confirming their info with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Due to my understanding XXXX credit Equifax XXXX drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX XXXXXXXX they supposed to delete that from my credit report Equifax XXXX XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by EQUIFAX , INC . I've tried countless times in the private via certified mail to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
Porsche Financial Services engaged in the following actions : 1. Offers on-line payment option via their website 2. Website offers no ability to check payment history to determine outstanding balances, total loan balance or even access full account number 3. Amount shown on website is inaccurate and does not necessarily reflect amount shown on paper statements mailed to you 4. There is no way to download a copy of paper statement online 5. Calls to XXXX have resulted in agents saying that both the amount on the website AND the amount on the paper statement is correct but that the amount shown on the website only reflects invoice that " hasn't been paid '' not an upcoming invoice that is due in 2 days 6. I have plaid the amount shown on the website with every payment 7. Porsche Financial Services aggressive tacks on late fees and has reported to credit bureaus.

8. Despite paying what the website reflected as payment due every time, I continue to be told I am late with payments have been reported to credit bureaus as more than 30-days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This illegal collection agency stayed in one of their responses they were going to treat their lack of prior notification required by regulation, F as a dispute, and they were going to mail that dispute information to an address on XXXX XXXX. I responded to their response and told them that was not my address. Apparently according to them thats where they sent the information anyway even though they were told that is not my address. Theyve already admitted they did not send the initial disclosure notice as required by the fdcpa and now theyre admitting theyre sending information to an address and it doesnt belong to me because theyve been told Im no longer at that address.. I have reached out to the individual that is now living there. If they receive anything from this company, it will be returned to them certified mail. She is then going to send me proof that its been returned.. once I receive that proof, I will give this company 45 days to remove their illegal collection from my credit file or Im going to sue them and Im going to use all of their responses here against them in court. They have been told multiple times the address they have on file does not belong to me. They have admitted to never sending an initial disclosure. They just dont care. Not only will I be suing them, but I will be suing their client as well. Ive already got 20 people that theyve done this to, were going to file a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a letter dated XX/XX/23 from a company claiming to be Synchrony Bank. They stated my account ending XXXX has been closed due to a recent review of the account. I didn't recall any account with that number, but I do have a store credit card through Synchrony. Also, I have recently placed a fraud alert on my credit report so I thought Synchrony was sending this letter in response to that. The letter gave the phone number XXXX so I called and after speaking to them for a few minutes, I realized they were not the real Synchrony Bank. I hung up and then called Synchrony Bank customer service to report it. They confirmed that the letter is a scam.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency Experian, XXXX, XXXX XXXX XXXX XXXX, shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
They have called more than 7 times in less than 24 hours. 7 times in one day and then an 8th can the following morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The Discover account my husband had before he past away is listing ME as a user of the account. I was not a user of his account. He died of XXXX XXXXXXXX XX/XX/2017. I attempted thru the debt service I used to fix this problem, however Discover continues to list me as a serious delinquent and I am not the account owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
A overpayment on account prompted a credit balance refund check for {$490.00} on account, however check was never received and when I requested a stop payment on check it was denied. Since my account had double the amount of the credit balance I asked for it to be put back in account, however that was denied as well. I am now out {$490.00} and I'm asking for it to be put in my credit card account.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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:
to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are still a XXXX XXXX and a XXXX XXXX account on my credit I have asked for it to be verified its never been verified this is now my 7th time I have submitted to the state attorney general along with both companies and there third party collections a cease and desist and an affidavit of truth and an invoice fining these companies XXXX has removed them although transunion doesnt seem to believe they should follow the law and XXXX has not removed them either please have them correct these 2 accounts and transunion keeps sending in letter telling me to verify myself rather than remove XXXX XXXX off as well this is my 8th time addressing this issue when I have sent in my id address and Ssn several times

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 2023-05-26 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
XXXX Original complaint reference number that has not been resolved and no actions have been taken by the CFPB to date?? 

I rented a car in XXXX, TN with XXXX XXXX and had to take the car to the XXXX XXXX XXXX to catch a plane back home because there were no cars available to take me to XXXX within 120 miles from XXXX. The rental company, XXXX XXXX, charged my credit car four times for the same rental. The original rental rate was {$100.00} for a one day rental, but XXXX XXXX said that I was liable for everyday the rental car was not returned to them. I paid the one day rental of {$100.00}, then paid twice more for days that I did not have the car and XXXX XXXX says they incurred a loss. I have paid {$360.00} total for a one day rental and XXXX XXXX also charged me another $ XXXX on the same day for a second rental on the same day that I have paid included in the {$360.00} rental charges. It is not possible that I am liable for two cars on the same day, right? XXXX XXXX will not remove the charge ( s ) or resolve my dispute amicably and American Express has refused to get documentation from XXXX XXXX to prove that they incurred lost money because of the returned car, especially for two rentals on the same date. I am furious that credit card companies are responsible for settling disputes because they do little to verify the veracity of the evidence in the dispute. XXXX XXXX is intentionally be abusive, punitive and excessive without any proof of actual harm and without merit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: KY

Complaint narrative:
I initiated a {$1000.00} money transfer to XXXX using through Wise on XX/XX/2023. Wise withdrew the {$1000.00} from my XXXX XXXX account. They charged {$18.00} fee. 
The money was supposed to be available to the recipient on XX/XX/XXXX and today is XX/XX/XXXX and the recipient still don't have the money. 

I made several attempts to get hold of Wise customer service and every time they keep saying they will get back to me within 2 days. Still no resolution. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years.

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened my Citi Accelerate on XXXX XXXX under the bonus terms as stipulated in the Welcome Package I received from Citi. I qualified for and completed all four activities and should have receive my {$450.00} bonus by XX/XX/XXXX at the latest. I still have not received it. 

I contacted a representative ( XXXX ) about the matter on XX/XX/XXXX. I received an on line notice today stating that my account was never linked to the promotion and therefore, I did not qualify for the promotion. 

When I opened the account the agent stated that it was opened with the promotional bonus plan, and that is why I received the Welcome Package with pages that specifically detail the bonus schedule. I copies of the promotional bonus plan detailed in my Welcome Package as proof. These are attached to my complaint. 

Please contact Citi to payout the {$450.00} bonus that Ive earned.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have two inquiries on my credit report. One is on XX/XX/XXXX at a XXXX XXXX and the other is XX/XX/XXXX. I called the number no one picks up I constantly call I did not apply for a car in California when I live in Virginia. Secondly, yesterday XX/XX/XXXX someone tried to apply for a credit card from XXXX  XXXX with my information. I need that taken off my credit report because I did not apply for a credit card. I called Experian. They said they cant take it off because its an application of some sort in a hard inquiry. The people who submitted the application have to take it off I cant get in contact with them so we need to do something about this. Its ridiculous how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously disputed public record XXXX XXXX XXXX XXXX XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA 611 ( 15 U.S.C. 1681 i and the information must be delete immediately!!!

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