vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL 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 2022-05-31 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: FL

Complaint narrative:
XXXX DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir/Madam, since summer XXXX, i.e. for over XXXX mts by now, I have been trying to close my checking as well as savings accounts with XXXX Chase in the U.S. - with a total balance of USD XXXX - to terminate my relationship with the bank. I am an overseas XXXX customer and over this period have both a ) tried to resolve this personally with XXXX Chase in the U.S. in over 50 calls! 
b ) have raised several complaints with XXXX Chase, the last one dated XXXX XX/XX/XXXX with XXXX from the Escalation Team,, complaints ref. XXXX who requested/instructed me to send my closing instructions, including notarised documents, to XXXX Chase in Texas. I did as requested by registered/recorded mail on XXXX XX/XX/XXXX ( see my letter incl notarised documents as first attachment ). Please note that XXXX Chase refuse to give me an email contact, let alone a personal ( complaints ' team ) contact, to try to resolve this. I have only the general phone nbr given on my bank statements. 
c ) However, I never received any closing confirmation, nor my funds ( despite XXXX in XXXX confirming to me that my documents were received on XXXX XXXX ). I made several additional calls to XXXX Chase in XXXX and XXXX, only to be told that my documents were not received, that they were not willing to escalate this further, and them suggesting NO solution whatsoever how I can close my accounts and receive my funds! 
d ) Please note that I have waited for over XXXX mts / until today XXXX XXXX since there seem to be serious delays in receiving any mail from XXXX Chase in XXXX, if any : over the last XXXX mts several monthly statements have been missing, and the last statement I got is dated XXXX XX/XX/XXXX which I only received yesterday / XXXX XX/XX/XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I purchased products through XXXX  which used affirm as a payment option. I paid ALL loans off & received paid in full notification via email & inside their affirm app. 
ALL of the products ordered were incorrect so a return & refund was arranged. 
I returned the items and got confirmation they were received. Since then Ive been bombarded with emails telling me I owe them money ( which is baffling ). 
I spoke with an affirm representative and he told me that THEY STILL OWE ME {$670.00} XX/XX/2022 at XXXX p.m. I have the notes. 

XXXX Thats the confirmation number I was given for a 2 to 3 week response from XXXX ( which I never got )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: OR

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Accounts XXXX - XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX - # XXXX XXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) 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.

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I misplaced my Wells Fargo debit card. On XX/XX/2022 Wells Fargo refused to promptly issue a temporary debit card. Wells Fargo verbally stated that it will be 2-3 weeks from XX/XX/XXXX before I receive my replacement debit card in the mail. This means 2-3 weeks of being unable to make online purchases that I planned to make last week. This means 2-3 weeks of waiting in line for assistance from a teller when I withdraw cash from my checking account. This means 2-3 weeks of being unable to withdraw cash on Sundays or holidays. 

I have filed complaints with the XXXX XXXX XXXX and the Federal Reserve. My XXXX  complaint number is XXXX. XXXX XXXX response to the XXXX  was dismissive of the problem. The Federal Reserve has not provided me with a case number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
THERE IS NAMES AND ADDRESSES THAT DO NOT BELONG 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 non-monetary relief
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
THERE IS NAMES AND ADDRESSES THAT DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act XXXX account XXXX XXXX, XXXX XXXX, 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. A Consumer support agency can not furnish 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 2022-05-31 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act XXXX account XXXX XXXX, XXXX XXXX, 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. A Consumer support agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Someone is trying to open a credit card with a line of credit for XXXX With citizen world Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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, my rights have been violated.

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 The following hard inquiries are showing on my credit file and I did not authorize them to be placed there.The above laws state that I have a right to privacy and can not provide an account my information without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was on my honeymoon in XXXX. While in XXXX, I was not checking my bank account. Upon return, I begin going over the money spent while in XXXX. I notice that my balance in my account is much lower than I expected. Upon review, I noticed that there were 5 unauthorized XXXX transfers on my account. XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$500.00}, {$100.00}, & {$25.00}. Immediately after noticing these transactions, I reported them to the bank Sunday, XX/XX/XXXX. They were all sent to a XXXX XXXX at XXXX. I checked with family and friends, to see if anyone recognized the number or name. I also checked with my mom, who is an authorized user on my bank account, and she does not know anyone by that name, or anyone with that phone number. I reported these transactions twice to Capital One and they are refusing to refund. Every time I have made a XXXX transaction, I have gotten an email confirmation and a text message. When I send a XXXX to someone not saved in my contacts, or that I've never sent a XXXX to, XXXX sends me a one-time text verification. I did not receive anything. The email on the account is mine. My mother, the authorized user, did not receive an email or text. We did not receive any notice from the bank to give us time to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
IN RESPONSE TO CFPBXXXX XXXX XXXX  AKA XXXX XXXX DOES NOT BELONG TO ME. I HAVE PROVIDED ENOUGH PROOF TO SHOW THAT THIS ACCOUNT IS NOT MY ACCOUNT I DIDNT GIVE ANY ONE PERMISSION TO OPEN THIS ACCOUNT IN MY NAME. HOWEVER I WAS PREVIOUSLY A VICTIM ODF IDENTITY THEFT AND AM STILL HAVING THE ISSUE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is a continuation of Complaint # XXXX which you said you closed. It is NOT closed for the following reasons and activity. 
1. I am receiving statements from Wells Fargo and it shows the charged off a small amount of money on my fraudulent account. Will my credit be affected by their sloppy business practices?

2. Wells Fargo NEVER provided me with the information I requested that was needed to open this checking account with them.

3. I have received a packet from Wells Fargo ( Identity Theft Repair Kit ) detailing all the numerous actions I should now take because of this fraudulent account they allowed to open. Why should I spend all my time and energy cleaning up the mess they have created for me? What responsibility are they taking financially for the mess they have created for me? I am the victim and have done NOTHING wrong!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TN

Complaint narrative:
The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my Transunion credit report, I had XXXX collections ( XXXX XXXXXXXX ) added on my credit report which cause my credit score to decrease by XXXX points on XX/XX/XXXX. 

However, on XX/XX/XXXX, all XXXX collections were removed from my Transunion report, but my credit score did not change ( increase ). I called Transunion several time to verify that accounts were removed, and they verified that I do not have any collections reporting. When I asked why my score did not change, they said it was the algorithm. 

How unfair that the 'Algorithm '' senses negative reporting and deducts points accordingly but the XXXX does not senses when an account has been positively updated to has score increase accordingly. This is injustice. I also included supporting documents as well as an old collection account removed in XX/XX/2022 and points increased by XXXX points ( attached ). 

In addition, I noticed that in the past 5 months I paid {$11000.00} and my points only increase by a total of XXXX points ( please see payments attached ). How? If I were to use {$11.00}, XXXX my score would immediately decrease by at least XXXX points. 

The credit score algorithm is unfair and unjust to the paying consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2022 to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # & I am including it again. 

XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2022 to remove collection accounst that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XXXX/XXXX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : -

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