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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
on XX/XX/year> Sofi Bank , National Association closed my bank account. after weeks of devastation of financial hardship, ive gotten nowhere with the bank on the release of my funds. They are now telling me that " I am not entitled to the funds '' and they will be released back to the originator. I just want them to do that so the originator ( who is aware of the situation ) can remit the funds to me another way. I worked for the money and only receive XXXX deposits before they restricted my account. I only had the account for 31 days when this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as they are all fraudulently opened by an imposter that has stolen my identity, and Experian refuses to ACKNOWLEDGE such, and will be sued in FEDERAL COURT! I asked Experian to reinvestigate these accounts : XXXX  {$3700.00} XXXX XXXX XXXX {$6700.00} & XXXX  {$0.00} XXXX However, Experian stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case. All These accounts are Fraudulent, and I want them ALL DELETED 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
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is an investigation that includes additional supporting documentation, Please see the attachments provided. I also have an attorney looking into this matter, and will be providing supporting documentation requesting these items be removed from my credit reports in 4 business days 605B 15 U.S.C 1681. I appreciate your prompt help in 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 explanation
Consumer complaint received 2024-08-01 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Called to remove auto-pay on the account they refused and said I had to add a different account to pay with. This was not required to open the account. My husband was diagnosed with XXXX XXXXXXXX XXXX again his hours at work are XXXX of normal during treatment. We decided to us a debit relief service this way we pay our debit but cant do that if the credit account. Makes there own rules. They flat out refused to remove auto pay and also refused to let us change the phone number on the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Debt collectors are trying to say that I owe XXXX. I havent opened a credit card in my life. I was sent A credit card statement by a third-party. On the credit card statement, it pointed out that my account was open in XX/XX/XXXX. I Wouldve been XXXX at the time that the card was opened. 

Ive recently found out I have another credit card opened in my name opened in XX/XX/XXXX with a balance of {$960.00}. Again never opened or used a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
I find myself incredibly frustrated at the moment. As a result of identity theft, XXXX of my email accounts have been compromised in Equifax XXXX XXXX breach. This has led to a significant exposure of my personal documents, including my SSN, driver 's license, and private photos, all stored within XXXX 's services like email and XXXX. Such exposure was never solicited by me, yet it's having a detrimental impact, especially on my credit score. The situation has escalated to a level that is both unacceptable and distressing. I am earnestly seeking assistance to rectify this issue and remove the compromised information as swiftly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I filed my 1st dispute against cashapp about 10 unauthorized transactions made while I was XXXX  I provided documentation that I was in XXXX from XX/XX/year> - XX/XX/year> and that my cashapp debit card was in my property at the XXXX along with my cell phone making it very clear I did not make these transactions. I was refunded on 2 of the 10 unauthorized transactions and denied on the remaining 8 because I didn't provide proof of identification in a timely manner due to cashapp treating every unauthorized transaction separately and making it very difficult & time consuming to provide all the information requested from me and unnecessary due to the fact that I had already sent proof of identity to cashapp twice previously. I was refunded {$94.00} from 2 of the disputed transactions from the total of {$380.00} leaving a remaining {$290.00} still pending and denied being refunded for the above reasons. 
The 2nd dispute was filed on XX/XX/year> for the remaining 8 unauthorized transactions to which I was denied for unspecified reasons. I had been talking to customer support all throughout the time I filed the first dispute because of how long it was taking because to me it was simply a miscommunication but i was given unsatisfactory answers. I had already been refunded for 2 of the transactions so I figured that once I regained communication and sent in all the supporting documents they would refund me the {$290.00} with no hesitation but I was denied again for unspecified reasons. 
On XX/XX/year> I was sent an email with the supposed reason for my denial but there was nothing stating why I was denied. It was just a copy of the 8 unauthorized transactions remaining and stated they reviewed my account information and due to that I was denied. 
I have numerous amounts of emails and customer support chats saved of all of the times I communicated with cashapp employees trying to resolve this situation and just being bounced from person to person with no clear answers to why they denied my dispute & the refund of my {$290.00}. 
Cashapp is a very deceptive company that provides the lowest level of customer service I have ever encountered. I can not of made it more clear about my identity and that I did not make the transactions being disputed. Furthermore I was refunded {$94.00} for 2 of the unauthorized transactions which proves that they know that the transactions were unauthorized but are refusing to reimburse me the remaining amount. I have never been treated so unfairly and felt so unheard in my 37 years on this planet! Cashapp is a worthless company that should never be trusted with anyone 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
So I normally disable my debit card to prevent any charges on my debit card for online transaction methods. The only transaction method I allow is in person transaction. Ally Bank allows it's customers to manage their transaction methods for their debit cards or at least that is their claim. On XX/XX/year> I had my card turned off with the exception of in person transactions. I got a notification that my car had been charged multiple time. I thought this was insane because I had my card control features set up to not allow online purchases. To my surprise I I see all transaction methods enabled, something I did not do nor did I consent to. I contacted Ally 's customer support via chat, albeit very unprofessionally but understandable given the circumstances. It took forever the the rep to respond but eventually they told me it was due to a tech issue and that they are working on it. That does not put the money back into my account. Eventually the agent told me that I need to wait for the transactions to settle and that I may dispute them. I waited, disputed one of the transactions and they refunded me the charge. In the process of disputing the charge they cancelled my then current debit card which makes sense. On XX/XX/year> I got my new debit card delivered to me by XXXX, without even telling me it was going to be delivered, no tracking information nothing. Who does that? I tried to activate the card using their process of dialing a XXXX number and entering my information. The XXXX kept telling me that it did not recognize the card, I called customer service and the lady, XXXX said they activated the card for me. When I refresh my account it still shows the card was not activated. The rep said that a pin needs to be created. I said ok let 's create a pin then. She didn't appear to know what to do, she said she would reach out for help with some " trouble shooting steps ''. She tried that, still not showing activated. After threatening legal action she didn't know what to do and transferred me to the fraud department. Fraud department said there wasn't anything they could do and someone in customer service can set it up for me as the card shows activated but without a pin. He said he would transfer me back to customer service and then hung up the phone. Luckily I was able to get help from someone by the name of XXXX in chat to activate the card and set up a temporary pin. I then was able to call their automated line and change my pin from the temporary one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX XXXX NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES

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 2024-08-01 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: GA

Complaint narrative:
there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX ACOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the XXXX  and is currently under investigation.

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 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Someone has stolen my identity to open check and saving account and using for illegal activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: OH

Complaint narrative:
I've been a victim of identity theft and a victim of the Equifax Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed IMMEDIATELY!

Company response to consumer: Closed with explanation