vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
Hello there! 

Within the last three months of XXXX TransUnion started to report a closed in debt account called security credit services on my credit report. This is problematic because I do not own a debt with security credit services & I do not owe any debt to the apparent original creditor. I called the original creditor and demanded their fraud department help me out with this one. They didnt bother helping after saying they would reach back out. Then I tried contacting security credit services to no avail. Finally today on XX/XX/XXXX, I see that that not only is Transunion still reporting this fraudulent account as mine but they also changed the status from CLOSED To REOPEN this is extremely inaccurate. I demand Transunion remove this account off my credit report immediately. 

To confirm, I NEVER opened an account with the original creditor or security credit services. I gave no authorization for no account to be opened under my identity. I also gave no authorization for this debt to be listed as mine without the credit bureau properly validating it.

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 2024-02-01 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My husband and I have had money stolen from our checking account on five separate occasions. We've reported these fraudulent ATM withdrawals with our bank each time an unauthorized withdrawal came through. My husband and I can 100 % attest that we did not make these withdrawals. However, after many calls and over a dozen hours have not received any answers from our bank. They honored a couple of the charges as being fraudulent then turned around and determined other transactions were valid although my husband and I have never been to this ATM and live at least two hours away from this city. Some of the withdrawals happened before we even had newly issued debt cards in our possession. Our cards were not stolen at any point. At this point we haven't been given any answers to how these thieves are accomplishing these transactions. We taken every step possible to remedy the situation but all we're getting from our bank is that because these are atm withdrawals that seem to have been completed with a chip protected card/pin they must be legitimate. My husband and I have been stolen from and we need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have a loan out with Credit acceptance and I'm struggling to pay it due to financial hardship and being g on fixed income. I am paying almost XXXX dollars for a car that cost XXXX and I feel like that is way to much money for the car I got. I can't afford this. I have had to take out loans and borrow money too fix the problems thus car keeps giving me I'm in debt over this car. I feel I'm being charged way to much for this car. I should have been done paying g on this car but no I still have XXXX XXXX to go amd have paid XXXX it's been a real bad experience for me getting this car and loan.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I opted out from them sharing my information with any non-affiliate sources and they continue to share my information with the credit agencies. I have requested several times for them to stop reporting and they ignore my requests.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I opted out from them sharing my information with any non-affiliate sources and they continue to share my information with the credit agencies. I have requested several times for them to stop reporting and they ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I opted out from them sharing my information with any non-affiliate sources and they continue to share my information with the credit agencies. I have requested several times for them to stop reporting and they ignore my requests.

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 2024-02-01 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I did not authorize XXXXXXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2033 XXXX XXXX XXXX inquiry Date XX/XX/XXXX  to run my credit, this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not authorize XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2033 XXXXXXXX XXXX XXXX inquiry Date XX/XX/XXXX  to run my credit, this information is incorrect.

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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
So, I received an email of the loan decision through XXXX XXXX  being denied due to mutiple reasons. 

I sent an email stating the which was the first red flag indicator for me. I wont apply for a loan because I know I will get denied so I dont see the point.

I called post lake lending. 
First got told the application was approved and I stopped the lady and said it was denied. Then asked to speak to a supervisor. The supervisor then try to assure me that the application was in fact withdrawn and would not be endorsed and then I explained. How are they going to send me a denial letter but still were going to endorse a check to a bank and I wouldnt even know where its going!

I asked what the routing and account number they had to send it because obviously its one that is under my name which is worrisome. Being I have no knowledge of this account and if it is my own personal banking account I have a right to know because that means I am going to have to call my bank and report fraud and such with them and they told me they couldnt give me this information that if I provide the banking information they can tell me if I am wrong or right! If its my application and my banking information how are they going to deny me from knowing what was used to fraudulently place an application in my name.

Then I told them i would be reporting this to FTC. So here I am

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had XXXX mortgage. Then I did loan modification XXXX years ago. I thought it included both mortgages. Never received any note stating I owe a XXXX mortgage Till now from a collection agency stating I owe a huge amount plus interest. Totalling XXXX Try to get legal help to get advise in what to do. I was told not to talk to the collection agency till I talk to a lawyer. But don't have the money to do so.

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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
When my daughter received her license in XXXX, I called my XXXX agent and asked if I needed to add her onto my policy. She had an older vehicle from her dad and was already covered under his insurance policy through XXXX XXXX. Because of that, my XXXX agent advised me that I did NOT need to add her to my policy. Fast forward to XXXX, I was in the process of cosigning for a new vehicle for her. During this process, I inquire what the cost would be to add her onto my insurance policy. That's when XXXX says the underwriter wants to backdate my policy to when she received her license, which resulted in a ridiculous charge just to add her. I said NO THANKS, and then opened a policy with XXXX XXXX and cancelled everything with XXXX, Auto and Homeowners. 

With NO notice or any mail from XXXX, I receive a collection notice on XXXXXXXX  for the backdated charges, {$1300.00}. They never mailed me any notice and only waited 20 days to send their predatory bill to a collection agency. 

That is what I submitted to the XXXX  XXXX XXXX - Complaint, but I just want to emphasize here that I never received any notice from XXXX about this bill.

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 2024-02-01 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: MO

Complaint narrative:
Lies lies liesas experian reverted back to the standard idiotic explanation that was computer generated AS REQUESTED FORWARDED TO F.T.C 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 2024-02-01 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: MA

Complaint narrative:
I am writing to express my dissatisfaction with the lack of response from your agency concerning my dispute of a negative account 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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On the XXXX of XX/XX/, I saw an unknown transaction in the amount of {$1100.00} from a company doing business as viagogo. 

At the same time, I also noticed this amount was charged to my XXXX account and XXXX checking account. I immediately disputed this transaction with all 3, receiving immediate support and mitigation in my favor from XXXX and XXXX. With the Apple Card, doing business as Goldman Sachs, I havent received any mitigation aside from a temporary credit that is due to expire within the next few days. I cancelled my card immediately upon realizing that the fraudulent charge existed, but aside from that and registering the dispute I really dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. Transunion has violated my rights. 15 U.S.Code 1681 Section 602 A. States I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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. Inaccurate information on length of account. Inaccurate information on payments of account. 

I was never contacted to check the accuracy of any information on the Transunion site. Furthermore I sent a letter on XX/XX/XXXX to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX # XXXX as of 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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: CA

Complaint narrative:
I have request kickoff to submit to me information where i authorized them or any document in which i requested information to become a part of the credit notihing happen they just keep reporting wrong information and this is an account that was under identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was not refunded my money back on a unauthorized transaction.after I've submitted all my proof that I could and they keep asking for more and more proof .clearly you can see that what happened that I was taken for all my money I had in my account of XXXX to me it's a lot money I don't have .just for someone to just take it from me just like that .this person impersonated to be a chime employee and got me for the little money I had left in my account .maybe it's doesn't sound like a lot of money but to me it's all I had.what upsets me the most is that money was suppose to be for my electric bill but most important for my daughter 's letterman jacket for school something she has desperately been wanting for school .it 's a shame that people do this for a living and not working hard for their money while others work their tail off .so I'm just wanting my money back or something has to be done to this person who did this.charges need to filed so they don't do this to other people .I thought thats what chime investigation suppose to do get to the bottom of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
Hello there! 

Within the last three months of XXXX TransUnion started to report a closed in debt account called XXXX XXXX XXXX on my credit report. This is problematic because I do not own a debt with XXXX XXXX XXXX  & I do not owe any debt to the apparent original creditor. I called the original creditor and demanded their fraud department help me out with this one. They didnt bother helping after saying they would reach back out. Then I tried contacting XXXX XXXX XXXX to no avail. Finally today on XX/XX/XXXX, I see that that not only is Transunion still reporting this fraudulent account as mine but they also changed the status from CLOSED To REOPEN this is extremely inaccurate. I demand Transunion remove this account off my credit report immediately. 

To confirm, I NEVER opened an account with the original creditor or XXXX XXXX services. I gave no authorization for no account to be opened under my identity. I also gave no authorization for this debt to be listed as mine without the credit bureau properly validating it.

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 2024-02-01 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: PA

Complaint narrative:
Hello there! 

Within the last three months of XXXX TransUnion started to report a closed in debt account called XXXX XXXX XXXX on my credit report. This is problematic because I do not own a debt with XXXX XXXX XXXX & I do not owe any debt to the apparent original creditor. I called the original creditor and demanded their fraud department help me out with this one. They didnt bother helping after saying they would reach back out. Then I tried contacting XXXX XXXX XXXX to no avail. Finally today on XX/XX/XXXX, I see that that not only is Transunion still reporting this fraudulent account as mine but they also changed the status from CLOSED To REOPEN this is extremely inaccurate. I demand Transunion remove this account off my credit report immediately. 

To confirm, I NEVER opened an account with the original creditor or XXXX XXXX XXXX. I gave no authorization for no account to be opened under my identity. I also gave no authorization for this debt to be listed as mine without the credit bureau properly validating it.

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