vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 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: IL

Complaint narrative:
I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, 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 2023-07-09 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: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.

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 2023-07-09 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: TX

Complaint narrative:
I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: IN

Complaint narrative:
I have been battling numerous of XXXX XXXX and back in XXXX I was XXXX following an XXXX  XXXX. I had to stay in the hospital for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.

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 2023-07-09 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: IL

Complaint narrative:
I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, 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 2023-07-09 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: IL

Complaint narrative:
I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, 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 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. XXXX  XXXX  sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges

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 2023-07-09 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: GA

Complaint narrative:
I opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. First premier sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges

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 2023-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened a savings account and checking account with Capital One banking. On XX/XX/XXXX I asked my mother XXXX XXXX to transfer XXXX from a joint savings account we shared at XXXX & XXXX XXXX, to the Savings account at Captial One. My mother has in the past paid my credit card that I have with Capital One from her checking account because I did not have phone access at the time. on XX/XX/XXXX she transferred XXXX from our joint savings account to her checking and then on the same day she transferred XXXX from her checking to my savings at Capital One. She was not aware that a transfer could be done via savings to savings. Around XX/XX/XXXX I was contacted from Capital One that I had committed fraud because my name was not on the account that the money was being transferred from. I talked to many people at Capital One and was met with the answer I can never open an account with them again. My mother tried from XXXX & XXXX XXXX to resolve the issue but they told her it was on Capital One. I was told the money would be returned up to 90 days later. It has been 7 months and each time I call I get forwarded to a voicemail and then it does not let me leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I can only go back to XXXX but wellsfargo was charging XXXX charges that I have no idea what it is. I looked it up and has something to do with XXXX XXXX. My account is for XXXX  and I transfer the money to my normal account. I have had overcharges which probably should not have happened if wellsfargo hadnt been charging random fees. I want to know how many other times they took money. In XXXX I went to a bank in Washington state to deposit I believe {$8000.00} it went to another customers account instead of mine. Thankfully they admitted it then and gave it back but this is after they were trying to pressure me into opening some special account. I dont watch this account as I only use to collect XXXX. I want to know many other times they charged these fees. When looking up that charge and showing it had something to do with XXXX XXXX I want to know if my account is part of wellsfargo scandal.

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 2023-07-09 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: TX

Complaint narrative:
I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with Experian, XXXX, and 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 2023-07-09 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: IN

Complaint narrative:
I have been battling numerous of health issues and back in XXXX I was XXXX following an XXXX  XXXX. I had to stay in the hospital for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.

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 2023-07-09 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: IN

Complaint narrative:
I have been battling numerous of health issues and back in XXXX I was XXXX  following an XXXX  XXXX. I had to stay in the XXXX  for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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 — Problem with personal statement of dispute
Company: Bridge IT, Inc.
State: OH

Complaint narrative:
I signed up for a Brigit credit builder account. I had it on auto pay, and it had been smooth sailing for months. However, in XXXX, my auto payments stopped going through. I checked my bank account EVERY time and I had enough money for the payment. I emailed customer support every single time it didn't go through. I will attach the email chains of XX/XX/25 emails to figure out why it wasn't going through. They offered no assistance aside from trying again. Finally, despite my constant efforts and communication with them, it was reported as late. They did not fix the problem until the day I emailed them and told them it reported as late. Note in the emails my urgency, clarity, and noted desire to get it fixed so that it did not harm my credit.

Company response to consumer: Closed with explanation