vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: DC

Complaint narrative:
I understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: DC

Complaint narrative:
I understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment

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 2023-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I submitted a dispute for XXXX XXXX Account # XXXX. I requested that Transunion remove this account from my credit report as it is over XXXX old.

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 2023-04-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account was removed from my credit reports less than 2 weeks ago due after my disputes and police report sent to the company due to it fraudulently being open in my name. The responsible party is listed on the police report. I see today on XXXX that it been added back to my credit report and I got no notification! I noticed myself when looking on XXXX XXXX. Remove this immediately! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There are several recent credit inquiries within the time that my driver 's license was stolen. I have been a victim of identity theft and ever since 2022 I have had credit inquiries that were not initiated by myself. I had an issue with a high number of credit inquiries on my credit report that I have never completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX made {$14000.00} check deposit at WF ATM. The ATM recorded amount as {$1400.00} instead of {$14000.00} but I didnt see therrror and approved incorrect amount. I went into the bank and explained the mistake. They told me to report it over phone to department managing ATMs. Which I did at that time. 

XX/XX/XXXX Received email stating {$1400.00} was credited BUT {$12000.00} would be divided & credited {$5300.00} on XX/XX/XXXX and balance {$8400.00} ( incorrect amount! Correct balance {$7300.00} ) on XX/XX/XXXX. 

XX/XX/XXXX acct credited {$5300.00} XX/XX/XXXX - XXXX acct credited {$7300.00} XXXX is XXXX has altered my acct to show the full {$12000.00} was credited to me on XX/XX/XXXX. That is NOT TRUE. Both me and my husband check our checking balance daily and the {$14000.00} was to pay cc off. I had to wait until XXXX to pay them b/c the money was being withheld by WF. I know the $ XXXX was deducted from bank check came from b/c it is my XXXX acct XXXX Therefore WF had my {$12000.00} and held funds until XXXX and XXXX- they used got interest in my money for those days while I had to wait to have my money. BUT THEN THEY WENT INTO MY ACCT STATEMENT TO REFLECT ONE TIME CREDIT OF {$1400.00} and {$12000.00} ON YHE DAY OF MY IRIGINAL DEPOSIT. That did not happen. That is fraud on their part. I have tried to get some sort of response from them all I got was a banker at XXXX XXXX TX branch told me they can do that. No they cant. They cant use my money while keeping it from me and then turn around and make it look like they didnt,

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I opened card with Capital One in XXXX. I made payments on time and had a very good credit report. XXXX XXXX  I fond out that there had been fraudulent charges on my account. I was told my account was frozen. I have not been able to get statements or have access to my account. I have written letters and made multiple calls to Capital One in the past 8 months and still no statements or information about my account until they could " verify '' I am who I say I am. On XX/XX/XXXX I was finally told that my information has been verified and was allowed to be informed what was going on with my account. I was then told that {$5000.00} has been added to my account in late fee 's, interest and charges that I don't agree I made. I attempted to log into my account and I am locked out. I have requested assistance in getting my state ments. No one that I have spoken with is able to get me access. I have been told twice my statement s are in the mail, but yet to receive them. I have receive bill via e-mail stating that over {$3000.00} is due before XX/XX/XXXX. I have spoke with multiple representatives for the fraud and to complain. I have been told that I would receive a call back concerning my account and not receiving calls back. When I do call back, I am on the phone for 1-2 hours repeatedly answering the same questions and told they can not get me back to the representative I recently spoke with even when I tell them there name and contact ID. I am willing to pay on the charges that I charged. However as I was told that My account is frozen and I receive no communication from XXXX XXXX XXXX  on the progress of my account, I will not be responsible for late fees and interest rates. I believe that I should have my account summary to review the charges on my account is made Because my card # is requested I want to add the only card I ever received ended in XXXX. My identity has been associated with a card ending in XXXX, XXXX, XXXX from the conversations with Capital representatives. My identity was also associated with a bank account and the e-mail bill I did receive for {$3000.00} due XXXX is for the account ending in XXXX. No other # s and never received a card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 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: CL Holdings LLC
State: MD

Complaint narrative:
My credit report has incorrect information on it. 
There are so many inquiries and accounts that Ive never seen. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I have sent numerous debt validation letters to which none have be answered. I am now on day 33 of waiting for the most recent debt validation letter from National Credit Systems. My letter was delivered to National Credit Systems XXXX XXXX and signed for by XXXX XXXX. Ive also asked that they contact me only via US mail and no phone calls but they continue to call me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services is inaccurately reporting my payments to the credit bureaus. On XXXX it is showing that I have not made a payment since XX/XX/XXXX. XXXX and XXXX are showing all my payments but is incorrectly reporting XX/XX/XXXX payment has 30 days past due. I have reached to them more that 5 times regarding this issue. I have also filed numerous disputes with the credit bureaus to no avail. Please help. I have all my payment confirmations.

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 2023-04-25 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: NJ

Complaint narrative:
XXXX XXXX and XXXX refuse to delete the XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; Experian, XXXX and XXXX XXXX. Experian deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, XXXX XXXX refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. Experian failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate. 

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the XXXX score by both antiquated algorithms and unproving AI technology.

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 2023-04-25 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: OH

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-25 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: Block, Inc.
State: OR

Complaint narrative:
CashAPP, I tried to purchase a XXXX Tree, I sent proof that I tried to contact the provider, and I never received it. I was scammed out of {$80.00} then Cash APP tried to prevent me from accessing my account I fixed it and I have screen shots and emails to prove all of this, and I used their chat

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute on XX/XX/XXXX for an Auto loan that was paid off in a bankruptcy that i had filed. The Company i had the account with was XXXX XXXX. I provided actual court documents which say i have completely paid off the loan for the car and the last dispersement to them was XX/XX/XXXX. I gave them transaction dates were every date the got paid from the trustee from the bankruptcy. All these files are all public access online and my lawyer. The last date on the dispute that says that they have received payment on the account was XX/XX/XXXX which was the last dispersement. They show no other payments at all. They say i only made 3 payments and i XXXX. Transunion, XXXX, and XXXX all have the account with the balance as XXXX or XXXX and that's not right. The balance is actually paid off and i would like my reports to reflect that.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2022 I purchased two tickets for the XXXX XXXX football game to be played on XX/XX/2022. I used my Goldman Sachs XXXX ( XXXX ) XXXX. My order number was XXXX. The purchase was made with XXXX. I received the two tickets. 

However, I was charged twice. The amounts were {$560.00} and {$540.00}. I have attempted to resolve this with XXXX XXXX ( Goldman Sachs ) multiple times. They have been unable to advised which amount is applicable to order number XXXX. In addition, they are unable to advise of any other order number or purchase of any additional tickets. I have attached a copy of the transaction as well as copies of the tickets I received. 

Their response has been a bunch of print outs of the internet with most to small to read to include instructions on how I should use my iphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
The Credit Bureaus are stating that Prestige financial has undergone an investigation into my credit report and everything has been accurate, I would like to know how is that possible when it was inaccurate with the open dates, the reporting dates, the payment history and more was all inaccurate back on XXXX when I started my initial investigation. I also submitted a XXXX reinvestigation and was still not sent all validating information. This ground for removal and they have also violated by rights under the 15 U.S.C 1681 Section 602A. I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

They have continued to respond stating that they " verified the information ''. Being that Prestige received my dispute back in 2020 via Mail and Online they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. I have continued requesting full documentation in connection with this alleged debt, Validation, and documentation. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. This account needs to be removed from my credit report immediately being that it is inaccurate and violates laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: DC

Complaint narrative:
I understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment

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