vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXX XX/XX/XXXXXXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/XXXX a large deposit of {$150000.00} was made into my account at Wells Fargo bank. The receipt provided for the transaction stated that {$400.00} of your deposit is included in your available balance. XXXX, XXXX will be available on Friday XX/XX/XXXX. On Saturday, XX/XX/XXXX I verified online that the deposit amount was available. At that time I used electronic payments to pay a number of bills. On Monday, XX/XX/XXXX when I logged on around noon it showed my account had been overdrawn and the deposit was no longer available. I called Wells Fargo bank and they told me that a hold had been placed on the deposit. No one could explain why the Deposit was available for several days and the receipt stated the full amount would be available on XXXX I did not receive an email indicating a hold would be placed until Tuesday, XX/XX/XXXX and as a result of this payments were returned to a number of creditors. This has had an adverse impact on my credit and is resulting in a number of fees. I filed a formal complaint with Wells Fargo and was told it would take 10 business days to respond. I should be able to take actions based on the written information provided to me by Wells Fargo that stated my deposit was available.

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 2023-09-29 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-29 00:00:00
Product: Credit reporting 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:
I am requesting that 8 old addresses listed as ''other address '' need to be deleted from my consumer report because it is causing me financial problems. The California Franchise Tax Board sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
Also there are 2 phone numbers listed : the one ending in XXXX is incorrect and has never been associated with me. Please delete as it is inaccurate. 
Please mail me a complete copy of my consumer FILE

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX is violating FCRA. XXXX XXXX made a hard inquiry in error to Transunion on XX/XX/XXXX. I did not apply for any XXXX XXXX products, nor do I have a current relationship with this company, that would grant permissible purpose to pull my credit. 
I contacted XXXX XXXX on XX/XX/XXXX and spoke with customer service. They could not see any relationship established. They asked me to send a copy of my credit report, but I wasn't comfortable doing that. So, I contacted Transunion the same day and they filed a dispute with XXXX XXXX. I was provided a case number of XXXX to reference. 
Followed up w/ TU on XX/XX/XXXX and was told to provide a police report. I'm not even sure what I would put in one - I don't know what is going on. The person I spoke with told me she would notify the company ( again, I guess? ) and they would be required to respond in 30 days. 
On XX/XX/XXXX, I also mailed a letter to XXXX XXXX XXXX Department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX stating my issues and concern as well as provided a screen shot from my TU credit report documenting one XXXX XXXXXXXX hard inquiry on XXXX plus 2 soft inquiries also from XXXX XXXXXXXX. I don't haven't had a recent relationship w/ XXXX XXXX to know what these are from? 
On XX/XX/XXXX - I contacted Transunion and was informed XXXX XXXX never answered their dispute inquiry. I contacted XXXX XXXX and they said I had not given enough time from my letter mailing on XX/XX/XXXX to receive a response. 
NOW, it is XXXX and the hard inquiry remains on my report and any dispute inquiries have gone unanswered. I want this inquiry explained and I want it removed b/c it is not correct.

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 2023-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I sent SYNCB/XXXX XXXXXXXX CARD notice to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed SYNCB/XXXX XXXX CARD that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with SYNCB/XXXX XXXXXXXX CARD . Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
In Accordance with the fair credi reporting ACT has violented my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state 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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In Accordance with the fair credi reporting ACT has violented my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc.
State: NC

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under XXXX  SUNBIT and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Originally the credit card was declined on XX/XX/XXXX. I called and they said they needed to send me new cards. I never received new cards. I called XX/XX/XXXX to report this. They said they were sending me papers to verify my identity. Never received. I called XX/XX/XXXX and told them to cancel my card. They said they will cancel. I then get a letter in the mail asking if I changed my address. I called and was told the account was closed. XX/XX/XXXX my checking account was charged {$7500.00} from this credit card. I called and was told I have to send a copy of my drivers license and copies of utility bills. I overnighted them that day. I called today XX/XX/XXXX and was told it would take 1 months to investigate. In the meantime I am out {$7500.00}. When we used this card we never charged more than {$750.00}. Wouldnt you think they would have called it suspicious if we charged that much? Synchrony Bank is not helpful. If someone wants to change their address they should require them to produce the information I had to providel

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, my consumer report has been experiencing multiple violations especially from Equifax. I have viewed my consumer report and I see seven added accounts that I do not give consent to be added onto my Equifax consumer report. In pursuant to 15usc1681b ( 2 ) I did not give written instructions from Equifax to furnish my consumer report to XXXX loan services and other nonaffiliated third party corporations. Since I did not give written instructions of consent, this is violating the laws congress has put in place. This is identity theft because my personal information is being shared by Equifax to third party financial institutions. I want like these XXXX XXXX loan services accounts deleted from my consumer report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XXXX XXXXXXXX XXXX2023 
Amount XXXX 
They put on my report that derogatory account 

XXXX XXXX XXXX 
XXXX-2023
Amount XXXX  They put on my report that derogatory account 
I would want disputed cause I didnt get no notice or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Case # XXXX. 
Today XX/XX/2023, I have spoken with an representative ( via phone ) from the XXXX XXXX XXXX XXXX 's department of Equifax LLC. A consumer reporting agency. 
The representative informed me that he would be denying my request to resubmit a dispute for the following accounts. 
XXXX XXXX acct. ending in XXXX, XXXX XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, XXXX Bank acct. ending in XXXX, XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX  acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, and XXXXXXXX XXXX acct. ending in XXXX. 
I requested that the rep immediately provide to me with the law that governs his authority to deny my consumer dispute request. And he didn't provide any. 
This adverse action against me! Has been done in Violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Credit Billing Act. and State Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never used credit in the past i have been XXXX  for sometime and never open these accounts

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the following inquiries on Equifax dont belong to me 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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
On XX/XX/XXXX Form Motors responded to my dispute with incorrect information and no documentation. Dispute # XXXX. 
As a result of Fords misinformation, my case # XXXX was closed with inaccurate information and no documentation. 
My lease was signed and extended 2 months. Not only did Ford incorrectly repossess the vehicle, but they are continuing to report inaccurate information on my credit report which has caused me to be denied housing.

A police report was also filed.

This issue was addressed in court & after reviewing documentation the Ford attorney apologized to me for the error and the judge awarded in my favor. 
I am attaching a copy of the judge 's decision on XXXX XXXX, XXXX. For 5 years Ford has caused me damages and has refused to correct it. 
Thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I had a payment scheduled through auto pay to the company. On XX/XX/XXXX, XXXX payments of {$190.00} was taken out of my account. Only one payment of {$190.00} was to be withdrawn. Ever since, I have reached out to the company with several phone calls to the office that the loan was originated. Along with emails and a call to their corporate office. I also had my bank involved, but they have a problem with cross communication to help solve the problem. The corporate office called me on XXXX XXXX telling me that they initiated the reversal of the extra payment and should have it in my account no later than XXXX XXXX. I called the local office to make them aware that I have not received my payment and assured me I would have it on XXXX XXXX. I have not. I emailed the local company to tell them this, and I have not received a return email or call. I explained to them this is our household money and need it returned asap. This has been going on since XX/XX/11. Insane business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
XXXX. USD XXXX was sent by me on XX/XX/2023 through Remitly to be credited to my XXXX XXXX XXXX, at XXXX, ending with the last four digits : XXXX XXXX. But due to some reason, it is credited by Remitly to someone else 's account ending with the last four digits : XXXX ( proof attached ), Please note, in this case that the sender is me and the receiver is also me - to my Bank account in XXXX. 
3. Remitly has agreed that there is an error but has not made good the money yet. ( Their resolution letter is attached ) 4. Remitly has not given a satisfactory solution and has caused a lot of trauma to me in the process as I have made a number of calls asking for a proper resolution.

Company response to consumer: Closed with explanation