vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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 am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
Western Union sent me an email that a money transfer was done under my account. The money was transferred under the same transaction just a different name using the same phone number. One of the verification processes used by Western Union is to show proof on the cell phone that they received the transaction. Western Union pick up location did not use that verification method because it wouldve been impossible for that person to have the same cell phone number of my previous transfer. Western Union is saying they are not responsible for the fraud and that the {$2000.00} that was stolen from my account is not their responsibility. They have a responsibility to do business in the United States of America to provide, multiple verification processes for transfers. They did not go through this process and they owe me my money and you should not allow them to conduct business in this matter. If you need to reach me, call me anytime XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
DUE TO XXXX THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-06 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: CO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NJ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 that you, TransUnion, XXXX, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent false and inaccurate information consists of a car loan opened with XXXX XXXX  on XX/XX/XXXX for {$16000.00}, a credit card opened with XXXX XXXXXXXX on XX/XX/XXXX, an account with XXXX opened on XX/XX/XXXX, and XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report including the following inquiries : XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, and XXXX XXXX made on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. These accounts were not opened made or initiated by me. all of these accounts are the result of identity theft and fraud. i have attached a copy off my ftc identity theft criminal complaint # as proof from the us federal trade commission that all of these accounts collections and hard inquiries are the result of identity theft and fraud. My FTC identity theft report # is # 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 2024-11-06 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: NJ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 that you, XXXX, Experian, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent false and inaccurate information consists of a car loan opened with XXXX XXXX XXXX XXXXXX/XX/XXXX for {$16000.00}, a credit card opened with XXXX XXXX on XX/XX/XXXX, an account with XXXX opened on XX/XX/XXXX, and XXXX  opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report including the following inquiries : XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, and XXXX XXXX made on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. These accounts were not opened made or initiated by me. all of these accounts are the result of identity theft and fraud. i have attached a copy off my ftc identity theft criminal complaint # as proof from the us federal trade commission that all of these accounts collections and hard inquiries are the result of identity theft and fraud. My FTC identity theft report # is # 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 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
My most recent payment on this loan was XXXX was due on XX/XX/year> that amount was debited from my account, the previous payment was due on XX/XX/year>, but I disabled " autopay '' so those funds were not debited from my account for the month of XXXX. When I disabled that auto pay I was under the assumption it would be like most institutions and i would not be billed until it's turned back on, when I reached out to UPSTART/XXXX  to have the payment for XXXX returned they advised me that they would not be able to do that. And a rep told me that I would need to make autopay election at least three business days before the due date. leading me to believe that when a customer turns off auto pay on their platform it defaults back to on regardless of the customer 's intent. I have consulted a debt resolution firm called XXXX XXXX to help me resolve this in addition to other items. I had informed them of this but they seemed indifferent to my remedy to this situation. I also wanted ot remove both my accounts from their platform and I was advised that it was not possible to do that. I am not sure what my rights are in this matter or if I even have right with regard to the above described events.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: FL

Complaint narrative:
My name is XXXX XXXX, I really appreciate you taking the time to help me get this straight. there are some mistakes on my report that need to be fixed. 

Reinvestigate the completences of every place of information and if its not accurate, please remove it from my credit report. 



THANK YOU

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 2024-11-06 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2024-11-06 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: MO

Complaint narrative:
DEFAULT JUDGEMENT. I have made a complaint against TransUnion in reference to XXXX account that was being reported. I have attempted to invoice since removal and receiving my proof of claim from TransUnion. I fully intend to pursue arbitration/litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX reporting under15 U.S. Code 1681n - Civil liability. This is my 4th attempt, after this I will pursue arbitration/litigation if no resolution within a timely matter. I'll have my invoice and proof of claim/proof of removal of the XXXX reporting due to complaint/violations attached below.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have opened two business accounts with Truist Bank in the past 10 months. Both times they have closed the account and said it was fraudulent. I have gone into the branches myself to open them with all of my documentation and made deposits only to find out within 24 hours that they closed the. One was in XXXX that they immediately closed and the second time I tried was on XX/XX/XXXX at a branch in XXXX, Alabama. Since they feel it is fraudulent, but will not tell me why, they have refused to release the deposit I made to open the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
After some time after paying off my balance for my target credit card I ended up recieving a notification that my credit score dropped. When i went through all my accounts i noticed target had a balance when it shouldn't have. That same moment i reported fraud to the bureau and to target and I have reported now 3 times that the purchases made were not authorized and there was fraudulent activity with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had Chime account by decided to close to open a physical bank account, since I was focusing on buying a house. I tried to open a new Chime account again or open new account. They cant explain why XXXX cant. Their representative stated, I can have only one. I dont have any open account, then said, its collection, but stated I didnt own any money. I dont owe any money since I actually left money in there, which was couple dollars and didnt care about it. Apparently, I dont own them any money, they actually owe me. I request to speak to supervisor, they either lie about not able to transfer, or when they do, the supervisor says same thing. Whats the point of supervisor who doesnt have more information then the representative. No matter what question, I have they cant seem to give an answer and hang up on me. Ive called multiple times in the last 2yrs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I asked Continental Finance for my payments deferred as my protection plan ends and I do not have a job. I emailed and no one answered. I contacted them through CFPB about my credit protection and the company never responded about me not being able to make payments. Now I am in the same position with the company refusing to honor a request since I am having trouble paying because I do not have a job.

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 2024-11-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reporting unauthorized transactions that appeared on my Chase bank account, totaling {$310.00}. I did not authorize or make these charges. After noticing the fraudulent charges, I promptly contacted Chase to dispute them and reported that I did not recognize or consent to the transactions. 

Despite my notification, Chase representatives have accused me of making the transactions myself and have stated that they will not remove the charges, instead placing the amount back on my card. I feel this response is unjust, as I have made it clear that these transactions were unauthorized and are cases of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account name XXXX, Account number XXXX, has violated my rights. 

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. Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-11-07 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation