vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX I wrote to TransUnion to remove inaccurate information reporting to my credit report. One reporting agency has already removed this from their 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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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

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 2022-03-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian reported a late payment to my credit 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 2022-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
During a divorce my ex wife totaled her car which was financed with Wells Fargo the car insurance was with Wells Fargo also, the divorce was in XXXX and XXXX in XXXX XXXX  sued and garnished my check stating they owned the debt in XXXX Wells Fargo contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. 2 separate companies trying to get money for the same debt, who owns the debt and is that not fraud?

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 2022-03-23 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I had provided a written petition per TD Retail Card Services ( XXXX XXXX ) request to remove a charge from my account over 12 months ago. A phone was delivered to my house and I refused the package. I have all the tracking information to show it was refused. The company said they received my petition and would respond within 3 months. I have called multiple times and they keep telling me to wait for a response but they have violated federal law by responding within a specific time frame. I am still being charged every month for the product and it's causing me great inconvenience and they are doing nothing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Unauthorized credit on account I did not give authorization to access information and individuals who are using this account are scamming and committed fraud against my identity

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
There were no unexpected fees. There were no options listed for this situation. I actually received a letter in the mail from Cash App for a XXXX XXXX using my address. The correspondence is attached. This person has never lived at my address before. I opened the letter and enclosed is a prepaid Cash App card that this person must have set an account up for. I don't even use Cash App so that company shouldn't be sending any mail here. And this is the second time recently that I have noticed someone using this address attempting to open a bank account. The other person 's name was XXXX XXXX. He attempted to open a bank account with XXXX using my address. Is there anything I can do on my end to prevent this from happening again?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone filed for unemployment in mine name in 2021 i did not do this. Also wanted to see if there is wrong stuff on credit 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 2022-03-23 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:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, Transunion, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to 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 non-monetary relief
Consumer complaint received 2022-03-23 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:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to 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 non-monetary relief
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent numerous letters to all three credit reporting companies. Transunion, XXXX, and XXXX about fixing the inaccurate information on my credit file with XXXX XXXX of jewelry. wanting them to fix incorrect information that displays on my file. I get a generic response back saying the information is correct and verified but '' Date last updated '' shows XX/XX/2018. if a proper investigation was done the date updated should show a date within XXXX  days from when the letter was sent. XXXX standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged.

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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

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 2022-03-23 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently spoke to a live person a Equifax and nobody is able to get my credit file or credit report. Every time I try the Equifax website I get a message saying we are unable to get your credit file, report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: AL

Complaint narrative:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: AL

Complaint narrative:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Suntrust services.

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2022, I submitted a letter of Validation to the office of capital one to validate that a debt was mines. I submitted the letter, my social, and drivers licenses to prove my identity. Capital one sent me a letter stating that for them to investigate the dispute I will need to submitted the account number, my social, and a copy of my credit report ( which I don't have to due to privacy ). During the month of XXXX I submitted letters to the bureaus to also investigate this claim and which capital one was able to validate the account, Now that I am asking for proof on how they were able to validate the they want to stall out and not follow the directions I gave them in the letter I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitol one credit card for XXXX reported no payment made on my account for XX/XX/2021. Attached statement shows payment made and processed in XX/XX/2021 and they still report no payment made for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: HI

Complaint narrative:
Per the Fair Credit Reporting Act Experian and XXXX are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my Experian Credit Report is showing {$1000.00} and from the same account, XXXX is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account Experian is reporting the High Credit {$16000.00} and on this same account XXXX is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also Experian is reporting the date last reported as XX/XX/XXXX, and XXXX is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also Experian is reporting the Date Last Active is XX/XX/XXXX and XXXX is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also Experian is reporting Date of Last Payment was XX/XX/XXXX and XXXX is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while Experian and XXXX are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.

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 2022-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are a list of Hard Inquires not authorized by me and without my knowledge XXXX  XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Money was sent to me through Zelle to my XXXX bank for the amount of {$5000.00} and I asked the back to send it back to the sender. I explained I know the person I just wanted them to receive it right away. They said it was not able to be sent back right away because it was not posted but call back next day and they can. I called back I was told to wait 5-6 business days still the sender didnt receive the money. Please help its been going on for over 45 days I spoke to chase for hrs and hrs they cant help. The money is stuck some where. They keep telling me its out of my account and they are not responsible. I already filled the complain for chase back and now I need Zelle also to be investigated. The money is lost somewhere and its not at XXXX  XXXX XXXX which is the senders bank. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: GA

Complaint narrative:
Equifax has XXXX accounts listed as late/delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
These are a list of Hard Inquires not authorized by me and without my knowledge XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021

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