vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$27000.00}XXXX XXXX XXXX XXXX Balance : {$400.00}

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: KS

Complaint narrative:
n order was placed on XX/XX/XXXX for XXXX to XXXX plus funds were withdrawn immediately and sent to XXXX, a month later XX/XX/XXXX, we got a notification that the order payment had " updated ''. Another XXXX was removed from my balance, we called cash app who admitted to being able to see the charge for {$1700.00}, at first they said that due to a system glitch in which funds were wrongfully refunded, which I would accept, but {$1700.00} was missing from my account in total. I argued against it and was told to contact the merchant ( XXXX ) as they authorized the payment. XXXX billing department does not see the charge for {$1700.00}, they see the transaction that poated originally on the XXXX, as expected. I can not see the charge in my transaction history, either. Cash app is the only one able to see the charge and they refuse to provide photographic eveidence of said charge so that i can dispute it with them. i have been talked down to, hung up on and had lots of calls transfered but nobody can provide a single thing i'm asking for, they are withholding my financial statements/history, ad money that is rightfully mine. CashApp has made such a mess of this situation, that the charge appears on my side, in my transaction history, 31 times, yet I am unable to see the original charge of the order for {$1700.00}. I have documentation and record of the original order price, as well as record of a cashapp employee explaining the {$1700.00} dollar charge taking place across 3 seperate dates on and between XXXX XXXX XXXX, as well as that same employee admitting there was no refund in the same statement as the breakdown of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, {$400.00} was transferred from my personal checking to my business checking and then {$1800.00} was transferred out of my business account and into a XXXX account completely unrelated to me and my accounts. None of these actions were performed or approved by myself. Wells Fargo called, and I did not answer. I called Wells Fargo myself to ensure safety. The person I reached was informative enough, they actually informed me that somebody accessed my online account, and that the person who accessed my account was able to disable my text notifications that would normally notify me of account changes and transactions ; this action allowed the unauthorized user to add themselves as a recipient of wire transactions. From there, they were able to transfer money electronically to their XXXX account without my knowledge. I only found out about the balance change in my account after this informative conversation with Wells Fargo. The only immediate action that was taken by Wells Fargo on XX/XX/XXXX was the change to my username, password, and they also closed my compromised accounts and reversed the {$400.00} transfer. The {$400.00} reversal did not help my situation but at least this did show that Wells Fargo agreed with me that the action was fraudulent. 


From the moment I learned about the transfers, I have emphasized that the person in Ohio ( as I was told ) and the transaction ( from my Wells Fargo to the scammers XXXX account ) are FRAUDULENT and UNAUTHORIZED. This statement was repeated by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, it seems like fraud cases are worked by 3rd party company that have the best interest of Wells Fargos in mind while it was Wells Fargos system that failed to prevent unauthorized access to my online banking in the first place. Instead I was told that I was they called XXXX and XXXX said the money is gone so there is nothing Wells Fargo could or would do. To sum things up, Wells Fargo said 3 things : 1 ) That the XXXX account the funds were transferred to was empty so they couldnt return me my money ( it took them a couple of days to even try to get the money back ). 2 ) that it was my fault and that I must have authorized the transaction even though I never approved any transaction 3 ) that they were closing the case without a refund and there is nothing more they could do.

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 2023-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: NC

Complaint narrative:
US BANK has an open amount on my credit report exceeding {$20000.00} from ... ... XX/XX/2015 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.

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 2023-05-02 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: TN

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX XXXXXXXX Balance : {$3600.00}

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 2023-05-02 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: TN

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX  XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX 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 explanation
Consumer complaint received 2023-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 U.S.C 1681. 

Account XXXX. XXXX XXXX # XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX AccouXXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX # XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX # XXXX Account XXXX. XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXXXXXX  Account XXXX. XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section2 : 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 antidates 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 2023-05-02 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: TX

Complaint narrative:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2023-05-02 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: TX

Complaint narrative:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX, MD XXXX Date XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX BalanceOwed : {$0.00}, XXXX  XXXX XXXX Owed : {$770.00}, XXXX  XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX : XXXX XXXX  XXXX Balance Owed : {$410.00}, XXXX XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02 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: MD

Complaint narrative:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX Date XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXXXXXX XXXX Owed : {$770.00}, XXXX  XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXXankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, DPT EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX OriginalCreditor : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: AR

Complaint narrative:
This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting 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 instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting 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 instructions.

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

Company response to consumer: Closed with explanation