vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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:
FCRA violations : inquires not mine 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 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 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 explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Received this email XX/XX/XXXX Experian Membership ID # XXXX You no longer have a FICO Score This can happen for a variety of reasons. Here are your options for re-establishing credit and getting a new FICO Score. 

Starting to consider that this " experian '' is not the " legitimate '' experian corporation, 1 of the three national credit bureaus Paid off XXXX lease XX/XX/XXXX Have had automatic debits for following bills for 16 years on home address 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX XXXX. 
4. XXXX XXXX 5. 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 2022-12-05 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: SC

Complaint narrative:
I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. XXXX has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX  XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX  XXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my credit score by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX  has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that XXXX, equifax, and there entities has decided to demolish my credit score. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX  XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2022, a series of transactions were drawn from our business banking account. These transactions are occurring on bank cards that have never been activated. I submitted a dispute to Bank of America on XX/XX/2022 for each of these transactions and they appear to still be occurring from an overseas vendor. 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  I called Bank of America-Business banking and reported the transactions as fraud. A claim was submitted on my behalf by the representative to dispute the transactions. When I called to shut down the account, I was advised that our checking account has not been compromised. The cards were compromised only. New cards were dispatched. However, this type of fraud on a business account is extremely concerning since the compromised cards were never activated. I was also advised that it may take up to 90 days for the claim to be reviewed/approved. Note : I did not pick up either the new debit cards or the old debit cards until Thursday, XX/XX/2022. All 4 envelopes were sealed and appear to be uncompromised upon pick up.

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 monetary relief
Consumer complaint received 2022-12-05 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I have a checking account with Current online bank. After I got out of the hospital I found that my account did not have the money in there that was there prior. It looked like someone sent themselves money through XXXX XXXX  or something and all of it was unauthorized transactions! I live in a small town with no family and really no friends so I dont have anybody looking after these things for me or checking my bank accounts for me. I was very sick and had no clue this had happened until way later when I returned home and noticed when I went to pay for some medication through that account! I spoke to them on the phone and explained my situation and they acted as if they were going to help me in my favor. I have been waiting and waiting and just looked and it said that it was closed and I chatted with an agent and he said that I will not be refunded and that the case was closed. They never notified me or anything to let me know any of this! I dont know what they base their decision off of but its unacceptable. I would hundred percent did not do or authorize those transactions and Im being made to suffer because they are basically calling me A liar as far as Im concerned! I have never dealt with a bank that does not honor the client in a situation like this! I am in tears and shaking Im so upset and confused. I am broke and desperately need to be refunded that money back. I have attached pictures of the amount and dates and details from my account! If clarification or more details needed you can reach me at XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good Morning today Monday XXXX XXXX i went to an ATM ( Wellsfargo Bank ) located in XXXX, Florida, when i requested the money to the ATM never came the money the message was Cash Currently unavialable at this ATM ( the amount was for {$1000.00} ) i received an email from the bank wellsfargo showing that same message, the problem is that the Bank remove the funds from my account and now i dont have the {$1000.00} available, i called to the customer service team and they are telling me that they can take up to 10 business days to have the founds into my account, Is impossible that is taking to long to have a solution where the only affect person if me, the found is to make the payment of my Rent and they dont care. It is very frustrating that Wells Fargo is so inoperative and plays in this way with the money of people who do not have larges sums of money, it is clear that they do not care about us at all, they are responsible for their ATMs and can not take 10 days skillful to give a solution ; Now I am going to have to pay a surcharge on my rent XXXX even expose to an eviction process. I AM FRUSTRATING

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 2022-12-05 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:
FCRA violations : inquires not mine 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 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 OFFICE OF THE ATTY GENER 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 2022-12-05 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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX CXXXX XXXXXXXX BANK Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5700.00} Status Open. {$5500.00} past due XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Closed. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Go Capital Holdings, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX Go Financial 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 an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Name : XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX Account : XXXX XXXX : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
A credit card was opened under my name and has a balance of {$170.00} and the complaint wont close out the card without me filing this complaint. Had I not received an email this morning I wouldnt even know the card existed as I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: SC

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 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, 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.

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 2022-12-05 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: SC

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 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, has violated my rights. 

1

5 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 explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On Monday, XX/XX/2022, I added the same XXXX XXXX XXXX XXXX card to my Cash App profile ( that I always do ) as I was getting reading to " CashOut '' so can get cash for my am commute ( XXXX miles ) in XXXX XXXX as a local government employee. 

CashApp immediately locks my card ( account value {$810.00}, stock value {$230.00} ) and sends me bounceback messages about freezing the account for XXXX hours and they would " get back '' to me with the results of their " investigation ''. I just used the app at XXXX, XXXX, and XXXX 's the evening before to buy baby food and diapers, and now this. 

So resulting, I can't travel to work today. I called CashApp and the reps are much help as they give the same script I received online through bounceback messages. 

To say this is a problem is a grand understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Rent Recovery Solutions
State: NC

Complaint narrative:
I have sent a letter to all credit bureaus regarding a debt reported to my credit report. 
Letter sent XXXX. I also dispute the debt with the credit bureau online. 

All three credit bureaus, XXXX, XXXX and XXXX is report a debt that does not belong long to me. It is for an apartment at the XXXX XXXX  XXXX. I have not applied for an apartment at the XXXX  XXXX  XXXX and I have never lived at the XXXX XXXX XXXXXXXX in XXXX, GA. 

Collection company report on my credit report- Rent Recovery Solutions- amount {$450.00} This is fraud. Please investigate this account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On the morning of XX/XX/2022 at approximately XXXX after a week, of trying to request a letter from Navy Federal Credit Union about a PAID IN FULL letter, I was instructed that if I went to the nearest facility, which is located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX, that the letter that I requested going on a month would be at that branch. I drove to that branch on the morning of XX/XX/XXXX, at XXXX and walked in the branch and spoke with a gentleman by the name of XXXX, who stated that he was the Branch Manager. I told him why I was there, and he instructed me that he would have to sign me in and that I would have to wait for a Representative, and to take a seat in the lobby. I said well the letter should be here, its just a letter that is impeding my employment, and this was the 5th time that I have visited this branch for the letter, and numerous phone calls. Don't get me wrong I was upset due to the fact that is one particular piece of paper that I needed is impeding my employment, and have asked numerous times for it, and was told that it was at the branch, wasting gas to drive back and forth out of my way to this branch. I sat their not happy, and was having a conversation with a lady that was in the same branch of service at the same time as me, and we were just talking about " XXXX XXXX XXXX XXXX' This gentleman XXXX XXXX had the fortitude, to walk up between the lady ( another customer ) and I and start explaining to me about this particular letter, and what it was concerning, to include what the letter was about, and where is was coming from, including financial monies that was included in this particular letter. I was XXXX XXXX and XXXX  I asked him was his name was and at first he told me, that he did not have to tell me what his name was, and he asked me to leave, I looked at him, and said " I want your name, and I will leave '' He stated that his name was XXXX, and that he was the Branch Manager '' I used explicit word because for him to shout my financial information in a public lobby with 40-45 people in this small branch, was uncalled for, and not professional and to me, that was illegal. You don't talk about someone's finances to the whole branch, including employees and customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
There has been a complete Error this vehicle never belonged to me and was wrongfully put into my name using my social I have filled for identity theft and this has been more than a clerical error and has been on my credit report for years. I never authorized any vehicle repo or the vehicle at all and no one has responded to my case from these car companies. Please remove this from my credit report as this is not me at all.

Company response to consumer: Closed with explanation