vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and two accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with Equafax, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by Equafax, XXXX and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
I called TransUnion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit XXXX XXXX XXXX and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking this account is inadvertently resulting in me being extorted.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, Transunion and XXXX update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, XXXX and Equifax update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refuses to let me dispute an error on my report and says they are only required to investigate any account one time. Any attempt to file a dispute for a different reason they claim is a duplicate dispute. They will deny you the right to refile a dispute or provide any evidence to show their error. Experian says you may upload documents but their website will not allow it and they are fully aware and have been aware of this problem for years.

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 2022-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. 
I am having a few problems with Experian because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Experian is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with Experian is I sent a letter to Experian On XX/XX/XXXX22 and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. Experian claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to Experian To let them know these accounts not mine XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, XXXX XXXX and XXXX XXXX ignoring me. 

I sent another letter on XX/XX/XXXX22 to Experian asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX2022 I contacted XXXX XXXX, XXXX XXXX and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XXXX XXXX, 2022 I wrote another lettre to experian letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

4 letters sent to these companies and nothing done to resolvee

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 2022-05-25 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: GA

Complaint narrative:
The only address that should be listed on my credit file, should be : XXXX XXXX XXXX XXXX, Georgia XXXX Remove any other address you have listed on my credit file as these addresses are not correct. The only address listed should be the one listed above. Any other addresses should be removed. The only name that should be listed on my credit file, should be : XXXX XXXX Remove any other name listed on my credit file as these names are not correct. The only name that should be listed on my credit file is listed above, please remove any other names you have listed on my credit file. 

I noticed there were two different socials connected to my credit file, these socials are incorrect and should be removed. The last 4 of my socials is XXXX Please remove the incorrect socials of XXXX & XXXX. 

Please see the attached documentation.

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 2022-05-25 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: NJ

Complaint narrative:
Applied for credit card on XX/XX/2021 with XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: NJ

Complaint narrative:
Applied for credit card on XXXX/XXXX/2021 with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
This is my formal complaint that the credit Bureaus ( XXXX, XXXX and Experian ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XXXX account # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.

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 2022-05-25 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:
In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-25 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from capital one should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX XXXX XXXX and not XXXX my credit file incorrectly shows. I ask that you update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Caine & Weiner Company , Inc. for committing identity theft. I have never given Caine & Weiner Company , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Caine & Weiner Company , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Caine & Weiner Company , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Caine & Weiner Company , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I've been having increasing problems with USAA over the past 6 months. I've banked with them for over 20 years and never had problems with them reorganizing transactions or flip-flopping transactions back and forth between " pending '' and " debited '' until now. I've made multiple purchases, had the funds in my account with no pending charges, and woken up the next morning to a negative balance and multiple NSF fees. At times, charges will completely clear my account only to go back to pending days later. It's impossible to keep up with my banking at this point and they keep hitting me with fees when there have been funds to cover the purchases in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The REpresentative I spoke to agreed to remoced debt again. HAS BEEN REMOVED, and RE -ADDED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, a fraudulent {$8000.00} unauthorized wire transfer was initiated from my Wells Fargo savings account to an unknown recipient XXXX XXXX XXXX. 
XX/XX/XXXX I called Wells Fargo approximately at XXXX PM EST, and they froze the account. 
They said its late for claims and asked to call tomorrow. 
The next day, on XX/XX/XXXX, I called Wells Fargo to explain the situation. They created claim # XXXX and initiated an investigation. On XX/XX/XXXX, I received a response from the bank stating that my case had been denied ( attached ). 

On XX/XX/XXXX I notified the local police of an unauthorized {$8000.00} wire transfer from my account, and they started working on the case and gave me a notification ( attached ), on XX/XX/XXXX I received the police report from them ( attached ). 

I called the claims assistance center ( XXXX ) on XX/XX/XXXX, and requested that the case be reopened and escalated to management because I have the police report. Before reopening, according to the representative, they will need to review the case first. 
They have already conducted the investigation and need to know why they need to reopen the case before contacting me. I was redirected to resolution expert XXXX ( Employee ID : XXXX ) who told me that in order to reopen the case, they must submit a request to the XXXX, who will decide whether the case can be reopened or not.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive call Equifax multiple time on multiple days because my credit file has been mixed with my XXXX  sibling. My equifax is saying I have no credit and showing my personal information as my twin siblings. They havent fixed it and continue to tell me Im wrong when Ive had XXXX mortgage lenders pull it and confirm. Ive paid for it on the XXXX app and that even says I have NO CREDIT for Equifax however I have good and established credit on the other XXXX credit unions. Theyve not fixed this and its been just over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX we contacted USAA about charges on our account. They were from a subscription that I had canceled but they were still charging us. We talked to some wonderful representatives ( who also refunded us OVER {$1000.00} in NSF fees from the bank reordering our transactions... see other complaint ). We found over XXXX times our card was used without authorization from this company and at the time had XXXX credits placed on our account of {$79.00}. Fast forward to XX/XX/23 and after no contact from USAA about the investigation or asking for documentation, we get hit with XXXX charges of {$79.00} labeled as temporary credit rev. What happened to talk to your customers? What happened to communication?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation