vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint after noticing inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to report a theft to my bank account and to help me recover the money. On XX/XX/XXXX, I realized that there was an unauthorized transaction on XX/XX/XXXX in my Wells Fargo checking account of XXXX dollars, a company called XXXX XXXX XXXX through a false check that I didn't even sign. Once I called the bank I realized that the bank has been authorizing payments from my account to three companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on a cyclical basis since XX/XX/XXXX through False checks that I never signed nor are they mine, for a total of 41 checks and a sum of XXXX dollars. At that time, I request to close my checking account and made a Fraud Claim for the whole 41 fraudulent transaction, for a total of XXXX dollars, two days after Wells Fargo sent me a resolution for my Claim # XXXX and only reimbursed me XXXX dollars because a lot of time had passed between the fraudulent transactions ( which they authorized ) and the moment I contacted them to let them know that there were stealing my money from my Wells Fargo account.

When I called the claim department, a lady, in a very disrespectful manner, told me that it was my responsibility to find out quickly if my money was being stolen, when I let her know that my money in Wells Fargo has XXXX protection, for the first XXXX dollars, and to prevent their clients ' money from being stolen there is a Fraud Department at Wells Fargo, she, in a disrespectful manner and speaking over me, tells me once again that I was responsible and hangs up on me.

I am writing to you, since Wells Fargo plans to clear its hands, what is the next step for me to recover the money that Wells Fargo, as a banking institution, allowed me to be robbed. I need to obtain a police report, what need to be the next steps?

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are inquiries on my credit reports from companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Booked flights with XXXX, which transferred to XXXX. XXXX were booked on XXXXXXXX XXXX using Capital One MasterCard credit card. Services purchased were flights and 'cancel for any reason ' service. Total charges was {$12000.00}. 

Within 12 hours of placing the charge, it was needed to be cancelled, since a connecting flight was not available, and one infant passenger was unable to get the necessary travel documents. 

XXXX was notified and accepted the cancellation. 

Capital One was notified and reversed the charge to give XXXX 45 days to respond. XXXX credited {$6100.00} but did not credit the balance. 

According to the XXXX XXXXcancel for any reason ' policy, I should be credited 80 % of the amount charged, less the cost of this additional service. 

In dispute is the balance of {$2500.00}. 

Capital One refuses to credit this amount to my account. I have supplied all the information and documentation requested and spoken with supervisors many times. I only get back a form letter indicating that they are not crediting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My ex girlfriend used my personal information to open accounts without my knowledge and permission. I have attempted to have these incorrectly reported items removed from my report and have contacted the credit bureaus but have yet to receive a satisfactory response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA getting inaccurate credit reports and scores on XX/XX/XXXX from XXXX score XXXX on that day I called XXXX on XXXX score XXXX today XXXX of XXXX score was still XXXX USAA told me they pulled this score my XXXX credit score it's in correct

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 2024-10-11 00:00:00
Product: Credit reporting 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-10-11 00:00:00
Product: Credit reporting 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:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc.
State: OH

Complaint narrative:
Commercial trade inc falsely reported something on my credit report belonging my to someone with a similar name. I filed a complaint previously with cfpb and the company responded on XXXX that they had removed the information on my credit report. Or XXXX they verified the information as accurate with the credit reporting agency, despite it being not accurate as they implied by saying they removed it from my credit report. I have given this company multiple opportunities to do the right thing and remove this false information from my credit report but unfortunately now I have no choice but to sue them since they insist on reporting false information as being accurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report and discovered Experian, XXXX or XXXX have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARS Acquisition, LLC
State: AL

Complaint narrative:
I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile. 

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ]. 

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing. 

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts. 

Thank you in advance for your understanding and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I found collections on my credit report that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
I went to purchase a new vehicle for me and my family when they pulled my credit I was denied so I ask what was stopping me from obtaining a vehicle for me and my family he told me ( XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/year> ) this account was paid off its reflecting as a negative account please deleting from my report its affecting me from obtaining a new vehicle

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 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: DC

Complaint narrative:
XXXX XXXX from XXXX Capital Management has been contacting me about a debt. I called her back once and she was rude, unprofessional, and tried scare tactics to get me to agree to a new contract when I told her I still had questions. She said I only had a few minutes to decide and used abusive language. When she knew I wasnt going to agree to something without getting my questions answered and understanding, she hung up on me. When I asked to speak to her supervisor via email, she ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: UT

Complaint narrative:
We opened a fraud claim with US bank because someone cloned our debit card and used it to withdraw over XXXX dollars from multiple ATM 's we also opened an investigation with our local police department to get the footage from ATM 's so Whoever is responsible is charged accordingly. After providing this information to US bank, our claim was denied for what they said was because of " our spending patterns '' it was assumed we had done the withdrawals, when in-fact, we have never withdrawn money from the ATM over and over like the person who had fraudulently done this over a three day period. Dates involved- XX/XX/year> thru XX/XX/year>. Our debit card was used at multiple ATM 's 14 times to withdraw the same amount of XXXX dollars. After contacting the bank and sending them a copy of our police report, our claim is still inactive and we are getting zero updates from the bank unless we call ourselves. We feel that our bank has not helped us resolve this matter in any way. We have bills to pay, kids to feed, and medical expenses that we are unable to pay. We are very unhappy with the care and service this bank has provided us at this time.

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 2024-10-11 00:00:00
Product: Credit reporting 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 implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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