vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was contacted by someone posing as a XXXX  XXXX XXXX ( XXXX  ) representative. The number they called from matched the one on the back of my XXXX debit card. He said that someone tried to use Zelle to transfer money from my XXXX checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official XXXX texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my XXXX checking account via Zelle to this unknown individual. I immediately went to my local XXXX branch the same day ( XX/XX/XXXX ) and a staff member helped me call the XXXX Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that XXXX often declines to reimburse people who authorize a Zelle transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact XXXX on my behalf and reiterate this position to the claims department handling my claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has several inquiries on XX/XX/23 and XX/XX/23 .. XXXX for same company for duplicate inquiries.

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 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I XXXX XXXX a natural person is writing to dispute inaccurate information on my credit report. The information in question relates to an account with XXXX XXXX, account number XXXX. 

The information provided by your agency regarding this account is inaccurate in several ways. Firstly, the date the account was opened is listed as both XX/XX/XXXX and XX/XX/XXXX across different credit reporting agencies. Secondly, the date of last payment is also listed differently across different reporting agencies, with dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being reported. Additionally, the reporting date is listed as XX/XX/XXXX and XX/XX/XXXX, which is also incorrect. 

Furthermore, one of the credit reporting agencies is reporting the account as paid off, while another is reporting it as derogatory, which is contradictory and inaccurate. 

According to the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Additionally, Section 623 ( a ) ( 2 ) of the Act imposes a duty on furnishers of information to provide accurate information to credit reporting agencies. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX are linked to my credit report. I rented one of their homes and moved out without owing any money back in XXXX. However, it is now XXXX and I'm still being referenced with this couple. I was asked how old XXXX was on and identity test! I need their information removed from 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be 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 2023-04-26 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX  XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX GXXXX 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-04-26 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: PA

Complaint narrative:
I didnt authorize no one to use my information and its seem like someone chose to do want they wanted instead of what should be done

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 2023-04-26 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple keeps sending me constant emails for their Apple Credit Card and does not give an option to unsubscribe from just their Credit Card offers. I'm tired of receiving these emails especially since they are sent almost twice a week. I have no interest in signing up for their Credit Card but would still like to receive other Apple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I've spoken with Fair Collections and Out numerous times and provide proof that I don't own this amount that is being displayed on my XXXX Credit Report, this is unacceptable and unprofessional to be able to report incorrect information on an individual 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 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Despite my previous 2 written requests, the unverified items on the attached doc remain on my credit report are in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

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 2023-04-26 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: LA

Complaint narrative:
Despite my previous 2 written requests, the unverified items on the attached doc remain on my credit report are in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has several inquiries on XX/XX/23 and XX/XX/23 .. XXXX for same company for duplicate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Remove XXXX XXXX off my credit report ..The information in incorrect. An employer ( XXXX XXXX ) was added to your credit report on XXXX XXXX, XXXX. Item is incorrect. Also On XX/XX/XXXX, you informed us that the missed payment from XX/XX/XXXX, on your XXXX XXXX XXXX XXXX account is inaccurate. is incorrect. ( 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion issues I keep running into the same issues with TransUnion. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to TransUnion, new address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a TransUnion membership since XX/XX/XXXX. 

XXXX XXXX XXXX apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Messerli Kramer bought my credit debt from XXXX XXXX They have garnished my paycheck twice now when I have been on medical assistance. They have not credited me the amount they have illegally garnished from me and continue to try to ask for more proof of me being on medical assistance over and over again. I switch jobs and they instantly ask for proof of medical assistance which i provide and they still garnish for a short time never giving me credit for the amount taken. They have garnished over {$800.00} that has not been credited to my amount owed and continue to try to garnish my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Approximately 2 weeks ago I received a credit card in the mail that I NEVER sought to obtain. The card is a Mastercard issued by XXXX XXXXXXXX XXXX and/or Genesis FS Card Services . I saved yet never activated the card choosing to ignore the mail as junkmail. Then today XX/XX/25 I received an payment statement from the same company for said credit card stating that I owe {$59.00} for the Annual Fee and Credit Protection Fees. I immediately called the company and stated that never have I inquired to have this credit card. They supposedly cancelled the card and told me to go to identitytheft.gov and fill out a complaint then either mail or fax them a copy once completed. Thru that website I was somehow steered here hoping for help with this matter.

Company response to consumer: Closed with explanation