vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: LA

Complaint narrative:
This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Transunion ( Fraud Victim Assistance Department ) XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
XXXX Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means XXXX  and XXXX, I do not even own a home, this is utterly and completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau XXXX XXXX XXXX File XXXX I am contacting you regarding how Transunion is handing my credit file and has not been able to fix the issue for the last week. Anytime I would login and try to do anything I get the error of 'We are unable to process your request '' then giving me a number to call where still none of the agents could help! I've been taken in circles only to not hear anything back from Transunion. 

I am trying to lift a freeze that was placed on my account so that I can apply for credit and I just learned on yesterday after trying to handle the issue twice that I have two social security numbers attached to my file. I asked the question of how does that happen? and noone can give me an answer not even the supervisor. The problem that I have is if my file has two social security numbers send me a letter or contact me to advise so that we can fix the problem or when I've called in to dispute which I have ask the question or something.

I currently can login to transunion.com but that's it and each time I did a chat they told me that I would get a call in 4 days. Well days and days have gone by and no call and no help from Transunion. I get escalated to a supervisor who gave me all of these textbook answers and yet still could not give me answers to how my file ended up with two social security numbers. I'm really disappointed in how they have handled this matter and I would like them to remove the freeze and fix my online account removing the extra social security number. 

What I can't understand is that I can call and do disputes, verify myself over the phone so that I can get an agent but yet can't lift a freeze after logging into my Transunion account. Again noone there can tell me how I was assigned a second social security number. 

My social security number is XXXX and I have no other number. I am sending a copy of my drivers license as requested to remove the freeze and fix my account. I would hav been nice to receive some type of alert when I called each time rather than telling me its been escalated and I not hear from them at all. I need this handled 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have spoken to multiple parties at 5/3rd regarding this and they have advised they have no way of disputing the unauthorized charge that has posted to my 5/3rd credit card account ending in XXXX. The charge relates to overdraft protection, a feature that is not referenced in the original terms associated with the account, and rather 5/3rd reports they added this to my checking account ending in XXXX at some point in time, though they can't tell me when this was added. They suggest I authorized the addition of this feature to my account however, they are unable to provide any evidence of this and suggested that I would have received a phone call requesting this authorization, a phone call they do not have a recording of. 

I never agreed to, nor did I authorize the bank to add this to my checking account, nor did I authorize them to bill my credit card without my authorization. 

I called to dispute this authorized charge which I did not make, however, 5/3rd advised that they do not have the ability to dispute their own charges. The representative I spoke with advised me that he would need to transfer me to the checking departments disputes team, however, when I spoke with the representative he transferred me to she wasn't able to offer any assistance other than confirming that I did not authorize the charge to my credit card and that 5/3rd did not have any authorization on file to add the overdraft protection to my checking account or to use my credit card as the source of funds. 

This is a charge that I did not make, nor did I authorize. 5/3rd can not hold me accountable for unauthorized charges to third parties, nor can it levy unauthorized charges to my credit card and attempt to hold me accountable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, Equifax and XXXX and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS via XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, XXXX and Experian and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. 
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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( SYNCB/CARECR ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy. 

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am 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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX  # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish 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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX ACCOUNT # XXXX # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
( 1 ) Already Approved IDR from StudentAid.gov : I am attempting to provide real facts for already approved IDR for a New Navient email received on XX/XX/XXXX. I followed Navients prior suggested and continued suggested link TO StudentAid.gov. The message stated on StudentAid.gov that my already approved IDR is not due to recertify income until XX/XX/XXXX. ( XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX Navient logged in web account already approved IDR from studentaid.gov complimentary copy uploaded with Navients system confirmation. The already approved IDR was embedded within a PDF document. I provided this three times to Navient to clear up communications and validate IDR. The first uploaded Navient PDF didnt get acknowledge via phone communications, therefore, I took image receipts of the other two from Navients system confirmation. Navient kept saying they didnt receive anything from me, however, again, my logged in web account, Navients system confirmation stated otherwise.

( 3 ) *New Problem, As of XX/XX/XXXX, I am missing credit in my Navient web account for XXXX paid through XXXX XXXX. ( XXXX XXXX ) ( XXXX ) Although I have an already approved IDR from studentaid.gov, I recently had temporary funding available, therefore, I made good faith efforts. I paid off 2 private signature loans and 1 federal loan. In addition, I made numerous payments toward my federal loans. For some reason, my Navient communications by phone and email do not reflect any of my efforts? However, I have Navient payment and date confirmations. Payments were posted from my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Thank you for reading my concerns with receipts for validation. Kind Regards. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and migraines every time I think about it. if these inaccuracies are not removed I will be forced to file for 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 2022-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and migraines every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
AmSher XXXX Collections is violating the Fair credit reporting act by not notifying the crediters about the debt owed. I came to know about this after my credit score took a significant hit. Please XXXX them and read reviews, everyone has the same problems. Their customer care number keeps going straight to voice mail. Please 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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Wells Fargo cashed the check without my endorsement as well. 

I called Wells Fargo informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
My Western union online account is compromised or hacked by someone and add their account as beneficiary and transferred money of USD XXXX on XX/XX/2022 Thursday at XXXX. XXXX - XXXX. I called Western union immediately after receiving my email ( with in 20 mins ) and they mentioned they can not stop the transaction and it is already completed. They provided case number XXXX and asked me to reach out to my bank to claim my insurance or file police complaint. The main reason for this fraud activity is Western union is not secure their system properly and not providing customer safety by Multi factor authentication. Even though Western union knows the details of receiver bank in XXXX, They didn't act on this fraud responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX PAID 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation