vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: IL

Complaint narrative:
I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The Capital One accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXXXXXX XXXX  help and remove this is hurting my family

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 2022-09-21 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: LEXISNEXIS
State: GA

Complaint narrative:
hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXX XXXX help and remove this is hurting my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: UT

Complaint narrative:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

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 2022-09-21 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: UT

Complaint narrative:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: UT

Complaint narrative:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought furniture on credit from XXXX XXXX and received a credit of $ XXXX. The card number is XXXX. The credit was actually to Synchrony Bank. I made payment for months, but fell upon difficult time during covid, and went to minimum payments and then no payments. Synchrony started calling me. I want to say without embellishment sometimes it was 5 or 6 a day. Sometimes it was early in the morning sometimes late in the evening.Some However, after dealing with all of the phone calls I started to look closer and the amount due, the balance seemed wrong, I should add that on the evening that I bought the items the salesperson had problems with the computer and could not print copies for me and promised to send them later. I called one or two times afterwards to follow up, but the saleswoman was never avail, and never returned my calls. I finally forgot all about it. Until I started to fall behind. I called once synchrony about the original agreement and was gruffly told that I should have hung on to them and that she could do nothing for me. Then after time I sent a letter asking for signed purchase agreements with my signature. I wanted to review and verify the terms, interest rates, late payment rates, etc. When they finally responded, the sent me a huge stack of payment statements, but never the agreements that I asked for. I am taking too long, your webpager says i am about to time out i will add more later?

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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2022 I was alerted via email about a XXXX  transaction for {$190.00} sent to an XXXX XXXX on my device. As I go to open the email I receive a second email for a transaction of {$95.00} to same person. So I quickly open my Wells Fargo app to double check and sure enough I have some fraudulent activity on my account. I instantly contact Wells Fargo 's Fraud Department to report the transaction. The gentlemen over the over quickly closed and canceled my old account and opened me a one. He claimed the transactions were still pending and he would put a hold on them until further investigation. I told him no investigating needed, because that's the reason why I'm calling you, to report this fraud. He proceeds to give me a case number and tells me I should recieve my money in about 5 days. It is now XX/XX/2022 and no email or phone calls from Wells Fargo. So I decide to call and check up on the status of the case. Over the phone with representative XXXX, he takes down my information and looks into my case. He eventually tells me the case isn't in my favor and that the transaction was completed due to authorization even though I called a week earlier telling them I did not authorize it. I explain to the gentlemen what happened and he says there is nothing the bank will do about the situation. Stating regulations and laws that protect the bank, he claims no fraud was committed but I should have my phone checked because it could have been hacked! And if I have nothing else to say then he has completed his call with me. Tells me sorry for the loss of 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 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
I requested a student loan refund in the amount of {$10000.00} to EdFinancial on XX/XX/XXXX. I was told by the representative that I would not be receiving confirmation of my request for a refund, nor a notification that my refund has been processed. I have no formal confirmation that my request even occurred. Further, the representative could not provide me with an estimate of when my request would be processed, and when pressed, the representative told me it would be " months. '' I had originally paid my student loan balance in its entirety with XXXX XXXX XXXX XXXX XXXX in or around XX/XX/XXXX. EdFinancial subsequently took over loans being handled by EdFinancial. I asked the EdFinancial representative how I would now manage my newly refunded student loan balance, and was told that they did not know. I am being provided absolutely no information about how this refund process will work, or how to reestablish payments once my balance is restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: WA

Complaint narrative:
This is a renewal of complaint XXXX XXXX. Equifax " company response '' is nonsensical. The complaint is bad faith conduct by CRA by not providing a copy of their " report '' to the subject consumer. As required by state & federal law & the Agreement this company has with the FTC. Please make additional notifications. Said plainly, Equifax ignores its requirement to comply with the law. 

Their explanation is a patronizing series of platitudes, not a statement of facts. CFPB fails to enforce the FCRA which provides that CRAs shall provide a copy of its file upon request. Closing the reference complaint rewards the violation & does nothing to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I paid and settled XXXX XXXX number XXXX. This is no longer in collections and needs removed from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: AZ

Complaint narrative:
The following information included in my Ftc report is fraudulent I demand immediate removal I'm in the middle of purchasing a home and this has affected e as I have reached out to credit bureaus to resolve this fraud. Violation of my consumer rights 15 USC 1681 law prohibits false information from being reported immediately remove these items i have attached ftc.

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This Debt is Past the Statue of Limitation ( 7 years ) the date of discharge is XX/XX/15 I had this Debt removed because it is past the 7 year date of closing of account. I am being harass by this Company thought unfair tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/22 I got a invitation to apply for a second credit card see attachment ... I applied but they denied me saying I have a prior application yet they sent a invitation..as the result I got a inquire on tranaunion.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in 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 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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T bought people 's bank, in beginning didn't have problem for first 2 days, then couldn't access my account to see balance, couldn't call XXXX number kept getting a automated male voice saying due high call volume please try back and would hang up so couldn't hear balance. Used as debit for immediate fund removal since was always told by peoples to do that. They held debit purchases for several days and somehow my account went negative {$78.00} when card should of been declined. Finally was able to get threw there was a rude customer service rep only thing she said was need money to spend money which I get and when asked why card wasn't declined her answer was they don't do real time deductions. Basically prevent us from accessing our online feature and from us calling to hear balance then hit us with overdraft fees when they held payment purchases. I've never had a problem with peoples bank. Over past 2 days they've sent the over draft post cards not sealed so every person who came contact with the overdraft post card was able to see my balance and part of my account number, this is horrible customer service and privacy violation, I want the overdraft fees waived since they wouldn't let us in accounts and wasn't able to check my balance on phone either and also with however any people who seen part my account number I'm not comfortable and want account closed. Attaching postcard that was not sealed and delivered open

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 2022-09-21 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: MS

Complaint narrative:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states that 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. Any item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-09-21 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: FL

Complaint narrative:
I mailed a certified letter to TransUnion dated XX/XX/2022 informing them that I had previously contacted XXXX due to their continued reporting of incomplete and inaccurate information on my TransUnioin credit report. 
I informed TransUnion as a result of the dispute with XXXX, I received a letter dated XX/XX/2022 stating that their investigation into my credit report was non-conclusive ( See Attachment A ). Non-Conclusive meaning incomplete and based 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] it states that any account found to incomplete and whose accuracy or incompleteness can no longer be verified or any notation as to disputed information the account must be deleted.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account Number XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, XXXX and Experian keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within 10 business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my Experian and XXXX report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting inaccurate information.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
The account XXXX with XXXX XXXX XXXX was settled. It is no longer in collections. please remove this from my credit score and see the attached doc as proof. or call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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 according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681.

1 ) 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 XXXXXXXX XXXX identity theft ) Has Violated my rights. 
*15 U.S.C . 1681 Section 602 A. : States I have the rights 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. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.

Company response to consumer: Closed with explanation