vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XXXX my 2nd XXXX  was stolen from my house and it is exactly identical to my main XXXX with all my information and cards etc inside the phone.. I had a guy over that I was newly getting to know well he must of obviously been watching me I put my code in my phone when we was selecting music to play off my XXXX and I didn't realize my XXXX XXXX was snatched until I saw charges for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX on my moneylion roar account on the XXXX of XXXX and XXXX of XXXX is when the fraud happened. When I noticed that I went and looked and couldnt find my other XXXX it was gone. Also neither did the company ( money lion ) fraud system didn't tag the big purchase amounts as alarming and never even blocked my card when these transactions happened allowing a company to just take what it wants with no detection of fraud alerts or even blocking my card to verify if it's me making the transactions .So I put my XXXX XXXX in lost mode so nobody could use if anymore I contacted money lion to cancel my card. And to dispute the charges. I informed them I had done business back in XXXX with this merchant but no longer have I conducted any more transactions with them... I told them what happened submitted a police report/ emails to the merchant telling me my XXXX XXXX was used to purchase these transactions that's when I knew who did it and they had my phone. I contacted XXXX asking them if there was any other protocol I hadn't done to further protect ny account. It seems I had it all put together in the order I did it. There was also transactions fraudulently on my XXXX money account from the same merchant XXXX XXXX XXXX XXXX went ahead and credited me and final credited me admitting there was a error to the transactions. I sent this to money lion THE OTHER BANKS DESCISION and they did nothing with all that information and didn't credit me back the fraud and held me liable for the charges. This company is the worst and they need to be corrected. I'm not liable for fraud. And I'm not going to sit here and do nothing which is why I'm contacting you. I need your help in resolving this issue

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 2023-08-04 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: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: AK

Complaint narrative:
XX/XX/2023 to today Called on main number I'm known for being hacked by people cause the same set of people answer the phone Filed XXXX compliant hwne I talked to the customer service who voice sound like another person from.another business I called aka XXXX XXXX 

I been trying pay credit card but the error is saying system isn't coorpating. I bee. Calling g trying to get it fixed for the past XXXX  days

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 2023-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer Tignts TO privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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.

The following inquiries were opened under my social security number fraudulently.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer Tignts TO privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.

The following inquiries were opened under my social security number fraudulently.

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 explanation
Consumer complaint received 2023-08-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to XXXX, Equifax and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. XXXX, Equifax and XXXX require this information to remove fraudulent items from your credit report. XXXX, Equifax and XXXX have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was pre-approved for a auto loan through Capital One Auto Financing. On their site there were cars that said Pre-Approved with payments and everything. I assumed the cars were safer mechanically since the Finance company had it mark PRE-Approved. So I went and looked at it, I ended up purchasing the car on XXXX XXXX, 2023. From # XXXX XXXX, come to find out 6 months later the engine blew out on XX/XX/2023. After asking questions, I found out that the car had A MAJOR LEAK IN THE OIL COOLER ASSEMBLY, THAT INFORMATION WAS HIDDEN FROM ME. I paid {$2000.00} cash. Financed around {$11000.00} with Capital One. The dealership hid issues with the vehicle Im only learning this now. I contacted Capital one auto many times to see if they could help with the dealership repairing What caused the engine to malfunction. Im getting no where, they keep saying They filed a dealership Complaint 2 times since I kept demanding it. One agent there said just drop the car off there and leave it as a Volunteery buy back. I said that sounds Ridiculous! I explained to Capital One, I followed your site, your pre approval, I thought it was better then just going anywhere. Why would they post bad cars if they wanted paid every month. I trusted them. I feel I was scammed. I have a LOAN balance of {$10000.00} as of today. No help with the Finance company, putting pressure on the dealership to fix this. I cant get to work without a car. I cant make payment with out a job. I still have to make Insurance payments of {$400.00} a month. I need them to go after the dealership for being deceitful. If the finance company wants paid, they need to do better and check out the cars they are PRE-APPROVING on their site. 
Are they working together to rum scams in bad cars so customers are stuck. They need to step up and help! 
I cant add files from my phone, all my files are on my laptop. I will log in later to add files. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-08-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/XXXX through present PNC bank has multiple errors noted in my account. Tried to discuss them via Customer Support via Chat with no success other than the standard cut and paste answers. These duplicate credits and duplicate withdrawals need to be corrected as they affect my correct balance. I have attached the errors in question via XXXX XXXX and XXXX XXXX. Unless there is a glitch in their system, these duplications should not be occurring. Please see screenshot attached. Please assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. 1681 The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your tirst investigation, you stated in writing that you " verified '' that these items are being " reported correctly '' Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the vertication like I asked?

As I am sure vou are well aware. current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a " Reinvestigation that merely shifts the burden back to the consumer and the credit arantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a cooy of ANY original documentation required under Section 609 ( a ) ( 1 ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the -CRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-08-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-08-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2023-08-04 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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: CA

Complaint narrative:
Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card. 

XXXX did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it. 

They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified. 

They are in violation of FCRA Section 611 to my right for a complete and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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

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 2023-08-04 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: NY

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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