vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: MO

Complaint narrative:
I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2022-10-24 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: MO

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX, XXXX XXXX filed a collections notice with TRANSUNION credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. XXXX sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with TRANSUNION. Instead, every month, TRANSUNION increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but Transunion has always sided with XXXX without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern I sent a letter into transunion to delete inaccurate information from my consumer profile, as well as ensuring that only true, accurate and complete information is being reported in my profile. Transunion responded to me with a letter stating they did not believe I sent the letter or an authorized third party, upon sending the letter I included a copy of my drivers license and my social security card to serve as verification as well as proof of address. Transunion after being notified of the inaccurate information on my consumer profile are not taking steps to delete and correct the information, and knowingly and willfully continuing to report inaccurate 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 non-monetary relief
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX  XXXX  XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; 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 2022-10-24 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: GA

Complaint narrative:
I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX AUTO XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports XXXX late payments while Equifax reports XXXX all from XXXX  XXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on 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 2022-10-24 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on 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 2022-10-24 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Prior to my annual fee being charged, I downgraded my citibank world elite prestige card with a {$490.00} annual fee to a citi rewards plus card with no annual fee. 

Citi charged my account with an annual fee, along with an additional user fee of {$75.00} as if I still had the original card and not the downgraded card. 

I called and after multiple calls, they refunded my {$490.00} annual fee but never refunded my {$75.00} additional user fee. 

I am going on XXXX phone calls to the company where their representatives will promise to take care of the charge, then get me off the phone and never follow through. They will tell me to call them back in XXXX business days. They have asked me to mail them a copy of my statement that I am looking at online in the portal that they provide but apparently " do not see that charge ''. I am typing this while I am on my XXXX phone call and currently XXXX hours into my ordeal of trying to speak to a supervisor since I believe that their request to have me call them back in XXXX business days is unacceptable since I have been calling multiple times on this charge for well over a month. 

I have the sense that citi is stalling me until I refuse to call them back and just accept that they are ok to steal my {$75.00} dollars that is due to me. I refuse to do so and will continue to fight and notify as many other consumers about citi 's poor business 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 monetary relief
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
his is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Summary of XXXX XXXX XXXX ( 1 ) I responded to an email from the XXXX XXXX on XXXX XX/XX/2022 ; I had been charged a renewal fee of {$340.00} and had XXXX hours to get a refund. 
( 2 ) They tried to do a direct deposit into my Citizens Bank checking account; said a mistake was made and {$100000.00} was deposited in my account. I had, as instructed, logged into my account, and the money was there. 
( 3 ) They said if it looked like it came from a business, I would have to pay XXXX XXXX tax on it. 
( 4 ) They said I needed to wire out {$99000.00} to an individual in the XXXX, which I did. 
( 5 ) I kept monitoring my checking account and it looked OK ; I could see a wire transfer of {$100000.00} coming in and {$99000.00} going out. I also changed my username and password. 
( 6 ) A few weeks later, I noticed that the interest payment on my Equity Loan ( which had a balance of about {$16000.00} ) went from about {$50.00} per month to over {$500.00} per month. 
( 7 ) Upon investigating this, I found there was an Advance of {$100000.00} on XX/XX/XXXX. 
( 8 ) I was shocked, and sure this was a bank mistake. On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX in XXXX XXXX, PA ( ph XXXX ) to discuss the matter. 
( 9 ) The banker agreed with me that the {$100000.00} wire transfer into my account should have nothing to do with my Equity Line of Credit Loan. He filed a fraud claim and told me to contact the Equity Loan people in a few days. 
( 10 ) I was sure they would call me and all would be well but they did not call. 
( 11 ) Finally, on XX/XX/XXXX, I went into the main Citizens bank in XXXX XXXX, PA ( ph XXXX ). Here I was told that the {$100000.00} advance actually came from my Line of Credit! 
( 12 ) I was horrified! I was told to call the number on the back of my debit card and tell them that it was fraud. 
( 13 ) I did so, and spoke to someone with Citizens Bank in Rhode Island who informed me that you are not responsible for fraud. I was also told that there was a problem with the way the claim had been filed ; they re-filed the fraud claim and told me that they would have to reach out to the bank in the XXXX. They gave me a reference number and a phone number to call investigations ( Ref : XXXX Ph : XXXX ) ( XXXX ) On Friday, XX/XX/XXXX I had heard nothing, so I called the Investigations number that I had been given. I was told that unfortunately, there is nothing we can do there is no insurance against wire transfers! So, as of now, I am out {$99000.00}! 
( 15 ) Question : When I went into the bank to wire out the {$99000.00}, why did the banker not alert me that {$100000.00} had just been taken from my line of credit?

( 16 ) Question : If I am not responsible for fraud, how can the bank tell me there is nothing they can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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