vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
I had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXXXXXX XXXX, who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( XXXX, Equifax, and XXXX ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent collections and fraudulent unauthorized inquiries

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 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX. This address belongs to Georgia XXXX XXXX XXXX. 
Sequium Asset Solutions , LLC Sent a bill in attempt to collect a debt of {$100.00} claiming to represent XXXX XXXX XXXX Date of letter : XX/XX/23. I contacted XXXX formerly charter communications directly. I am not an account holder. Spectrum has no knowledge of this alleged account and does conduct business with the debt collection agency XXXX XXXX XXXX, XXXX. This information was verified by XXXX customer service and billing department. This is a fraudulent attempt to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: VA

Complaint narrative:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-06-08 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: VA

Complaint narrative:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently opened a checking account with Capital One. My debit card this week and I received it. I have been doing some international transactions with my money, because my home country is XXXX and I need to send money to my family over there. 
On XX/XX/XXXX, I made a transfer through XXXX to XXXX, but yesterday I received an email from Capital One saying that my account would be investigated and could be permanently closed. 
Because of that email, I canceled the transfer made through XXXX and now I'm waiting for the refund, which will be done through Capital One in a few days. 
Today I called Capital One a few times trying to understand the reason for canceling my account and trying to get this account back, but they could not explain the reason for cancellation and did not give me an answer if the account could be reactivated. They just informed that they decided to cancel the account definitively. 
I would like to recover my account because I understand that the transactions I made were correct, I didn't do anything wrong. I'm just moving my own money. 
I am a XXXX  and I am doing an exchange program in the United States of America, I have a visa ( XXXX ) for the XXXX Pair program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NJ

Complaint narrative:
To whom it may concern while checking my most recent credit report I noticed XXXX XXXX XXXX XXXX account # XXXX, has violated my right to privacy I did not authorize anyone employed by this company to furnish any of my private information or to create an account without my consent

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XX/XX/2023 There were 12 unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove in accordance with 15 USC 1681.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2023 There were 12 unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove in accordance with 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a full and final payment to ally.com/auto. Today XX/XX/XXXX I received an email that it was returned for incorrect account or routing number. I put in the correct numbers because today when I went to check and then pay XXXX MORE in interest it said I already had and account with ally with that routing and account number. I feel like they are scamming me for more money. You can't pay in full over the phone. they put you thru to a 3rd party that will only take increments of XXXX at a fee of {$4.00}. My payment was XXXX. First off I did not want to do a loan but the auto dealership would only sell it that way as they make more money off the deal. My intention was to take the car anyway and pay the loan off right away. I am jaded by the dealership AND loan company!

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 2023-06-08 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: MI

Complaint narrative:
on XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( equifax, XXXX XXXX, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: NY

Complaint narrative:
I'm a Wells Fargo client where I have one mortgage, two checking accounts, one savings account, and one credit card. 

Unfortunately, I don't have Wells Fargo ATMs next to home or my office. About once a month, I withdraw cash from non-Wells Fargo ATM. Until last month, for any withdrawal I performed, Wells Fargo would reimburse the ATM fee. For instance, if I withdraw {$100.00} and the fee from ATM owner was {$3.00}, Wells Fargo would then reimburse that fee immediately. 

This approach, however, has changed. To my surprise, Wells Fargo not only stopped reimbursing but started charging an additional {$2.00} on top of that. So in my earlier example, a {$100.00} dollar withdrawal now cost me {$100.00} + {$3.00} of ATM fee + {$2.00} of Wells Fargo fee.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Today XX/XX/2023 I was emailed by XXXX bank regarding an open account that I did not apply for. Contacted back to report fraud and identity theft. Bank closed card but directed to experion to report. Contacted experion and informed of the situation was then directed to file a report.

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 2023-06-08 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear sirs : My name is XXXX XXXX with SS XXXX. XXXX XXXX XXXX. More than 1 year ago, almost 2 years I went to a Bank XXXX XXXX in XXXX Fl to asked for a credit card, in order to get credit history the associate personal banker toll me if I put a XXXX USD as deposit I will have a credit card for that amount I accept it and they took the XXXX usd but next day I went back to the same location and I reject the transaction. I spoke with the same associate I told him that I do not want that credit card, the associate made a phone call and cancel the transaction in front of me and he told me that the XXXX usd will be return to me by mail in few days. I never received the credit card, so I do not know the number and I never received the refund of XXXX usd I am still waiting for almost 2 years to get my {$200.00} usd, I been calling every 15 days asking to make the refund to my daughter address in New Jersey ( XXXX XXXX XXXX XXXX NJ XXXX ) and In all my calls a woman or a man promised me that the check will be mail in few days I have been waiting and waiting I believe the time is off. In all my phone calls always waiting for more than XXXX minutes and I received the same answer, the check will be mail but never got it. Is not fair that the bank keep my money I need my money be return with damages for 2 years waiting to have it. Thanks a lot 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 2023-06-08 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: TX

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 has XXXX 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 seveXXXX 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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.

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 2023-06-08 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer 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 2023-06-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief