vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NV

Complaint narrative:
I made a dispute to apple card about a transaction that was made in XX/XX/ for XXXX, instead of apple card returning the funds to my available amount they removed it from my limit which is 2 violation of the truth in lending Act Stating : Mission Consumer Protection Law 15 U.S.C. 1666-1666XXXX XXXX http : XXXX This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-27 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: FL

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Names : XXXX XXXX, XXXX XXXX ; Inaccurate Addresses : XXXX XXXXXXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; Account : XXXX XXXX, 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 2023-04-27 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-04-27 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: NC

Complaint narrative:
XXXX  Check was written and placed in my mailbox made out to XXXX for {$35.00}. 
XXXX  Contacted Wells Fargo about check that was cashed and place in another account for {$4000.00}. 
I informed Wells Fargo that I did not write this check for this amount aor to be deposited in the account on the back of the check. There was no bank stamped on the back of the check. 
I was mailed an affidavit and filled it out and took it to the bank for notarization and delivery to their fraud department. It was not notarized. 
I received another letter for notarizations, filled it out and had it notarized and sent it back to them. 
The check has clearly been altered. The cleared bank name in not on the check. I called them and they can not give me the bank name that cleared the check. They said they would call me within 2 days. It has been 2 days. 
I would appreciate help in getting my money back. 
What statutes cover my banks obligation to refund my money which they have not done. 
Complaint # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My family sold a home and the buyer took back XXXX XXXX dollars and put it back in escrow. And my mom the seller recently passed but funds were left to me

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 2023-04-27 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
To whom it XXXX concern, This dispute has to do with a past dispute with GM Financial. After receiving the information from GM Financial regarding an alledged debt of {$6100.00}, I reached out to GM Financial directly to discuss a settlement and then they notified me that my account was taken over by XXXX XXXX which I received any notice of this. Even the letter that was received through the XXXX  with my last dispute with GM Financial did not state anything about selling the debt to a debt collector. 

Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that GM Financial is the one reporting on my credit, not XXXX XXXX. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid XXXX XXXX and GM Financial would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}. 

Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted GM Financial XXXX my credit profiles so XXXX should do the same. 

I believe that XXXX XXXX, GM Financial, and XXXX are violating a few different laws here. I just want the resolution of this GM Financial account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible. 

Thank you! 

Best, XXXX XXXX Account Name : GM Financial Account Number : XXXX Amount : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: WI

Complaint narrative:
Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my 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 explanation
Consumer complaint received 2023-04-27 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: MO

Complaint narrative:
I reached out to Transunion on XXXX XXXX XXXX to dispute accounts reporting on my credit report that do not belong to me. As of XXXX XXXX I had yet to receive any correspondence in regards to the dispute I submitted over 30 days ago. On XXXX XXXX XXXX I reached out to Transunion and found via the automated system that I did not have any open disputes. I selected options to speak with a representative and was connected with XXXX in the disputes department. I asked XXXX to confirm receipt of my dispute and she did and let me know that all accounts were verified as accurate. When I asked for the method used to validate that the information was accurate, XXXX denied me my right explained in the FCRA Act Section 611 to receive an explanation of the verification method used by the credit reporting agency. XXXX denied this right and stated that it is an internal process and refused to provide the information that I requested.

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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One sent me a credit card that I had never asked for ( presumably because the sports store XXXX switched its credit card, of which I had one, from XXXX XXXX to Capital One, approximately last year ). I never activated the credit card and posted a letter to Capital One by USPS on XXXX XXXX XXXX, requesting that they cancel this credit card with immediate effect. On XX/XX/, I received a credit card statement ( the first one ever ) from Capital One ( Payment Due Date XXXX XXXX XXXX  Balance {$0.00} ), at an address of mine that I had never given Capital One. In other words, Capital One completely ignored my request to cancel my credit card and instead seems to now hold an active account for me. I never opened an account with Capital One, I never activated the credit card that Capital One sent me ( ending in XXXX ), and I do not wish to have a credit card or account with Capital One ( and told Capital One so, in writing ). Please stop Capital One from making credit card and account decisions for me that are diametrically opposite to my written request, namely to cancel this credit card with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2023 XXXX pm, a Bank of America XXXX XXXX Banking Account that ended with XXXX was opened successfully without my knowledge and consent. 

XX/XX/2023, subsequently, a new online profile was established, a change of contact request and an Online banking password reset were made successfully. 

XX/XX/2023 subsequently, I called BofA Fraud Dept and was given a claim with XXXX. 

XX/XX/2023 XXXX, I received email alerts that my user ID was looked up, contact info was updated and password was reset. 
XX/XX/2023, following the event above, I called BoA Fraud dept and removed the foreign contact info from my account. 

XX/XX/2023 XXXX, again, another Bank of America XXXX XXXX banking Account that ended with XXXX was opened successfully without my knowledge and consent. new online profile was established and contact info was updated. 

XX/XX/2023 following the event above, I called BofA Dept and was given a claim w case XXXX. 

Have not heard any feedback since.

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 2023-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am an immigrant that speaks XXXX. I am not fluent in English. In XX/XX/2020, I had XXXX to remove XXXX from my XXXX XXXX. My deceased husband, a United States citizen, created a credit obligation that I was unaware that he created. Then in XX/XX/2020, XXXXXXXX XXXX XXXX was performed on the XXXX XXXX. Again, my husband created a credit obligation that I was unaware of. My husband set up payments to be deducted from my account. Again, I was not aware of the arrangement made with Care Credit ( Sychrony Bank ). There supposedly was a promotion attached to the arrangement. No interest would be charged if the account was paid in full by a certain date. I was not aware of this arrangement. The first XXXX was paid down to {$130.00} on XX/XX/2020. This was during the period that my husband was XXXX, so he was unable to communicate in a lucid manner with me, his wife. The following XXXX, the bill owed to Sychrony Bank went from {$2800.00} to {$5700.00}. Since my husband told me that the bill had been paid to the XXXX XXXX  I was shocked at the added amount. All of the interest, including on the amount that I had already paid, was added to my bill. Attempts have been made to resolve the claim, but I was told that I would have to allow my account to go delinquent before Sychrony Bank could work out a settlement. Subsequent attempts have been made to settle but I was hung up on after being on the phone holding for over an hour. That was an attempt to run up a legal fee as I was in my attorney 's office for the telephone call. Several calls were attempted while at the attorney 's office, with each call, I was bounced from one agent to another with each saying the other could help deal with this issue. The company has all the documents that I would upload.

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 2023-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have tried and tried to get all of my banking account, savings, checking, cd 's, and an irrevocable trust account information from USAA. They will call and leave a message and when I call back I get a message and then back to ground zero. This has now gone on for far to long. I only found out about all of this fraud when the account was basically empty. They treated me horribly. My grandfather was one of the original 300 members of USAA. I need to get some resolution. I need all of my records because these were stolen by the thieves, my mom and brother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
They using my personal information which I was co signer on that Account and the party filled bankruptcy and I was release from all obligations on that loan inquiry and account still showing 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 2023-04-27 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: AZ

Complaint narrative:
I would like errors removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: AZ

Complaint narrative:
I would like errors removed off my 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