vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: NC

Complaint narrative:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MI

Complaint narrative:
the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX # XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today, XXXX while I was at work I checked my accounts to make sure all my funds were in each of my accounts ( credit builder, savings, and checking ) I had {$100.00} in my credit builder for a bill I have this week. I look at my credit builder account and see I have only XXXX dollars and XXXX XXXX cents left in my account. When I open look in my recent transactions it says that I have XXXX transactions from a XXXX in XXXX California. XXXX of the transactions were XXXX XXXX dollars and XXXX XXXX cents and XXXX was XXXX dollars coming to a total of XXXX XXXX dollars and XXXX cents. I call chime and file a dispute because I live in XXXX  Texas and have not been to XXXX California ever. In less than 30 minutes they denied my dispute because they found no error in the transaction. As soon as I seen the email I called Chime and they told me they could not let me know the reason they denied it because it was a spectate department and when I asked for the number to call the department. The customer service representative told me they do not have a phone number, they only have an email and I would have to wait 10 business days to receive the email regarding the reasons my disputes were denied. Now I am waiting for the email on why my disputes have been denied and I have no other options besides wait for the reasons they were denied or reopen the disputes with more information, in which I have no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I Paid {$500.00} XX/XX/2022 I was not sent a letter after my payment that I was going to be reported to the credit bureaus I was trying to prevent this and I was assured by the representative XXXX XXXX. I have recorded messages and my bank receipt. The last time XXXX XXXX called me was XX/XX/XXXX just two weeks after I paid {$500.00}, no connection after this I was immediately reported to the credit bureaus out of anger.

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 2022-10-21 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: TN

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-21 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: PA

Complaint narrative:
I opened a case ( # XXXX ) regarding XXXX XXXX ID # XXXX on my credit report XX/XX/2022. I found a response from the court it appears they do not report to the credit bureaus. And they did not provide me any paperwork saying this account is mine. I attached a copy of the letter sent to me by the courts. In the response that I received from Transunion it shows that this account was verified by the courts. Or at least that's how it looks to me, I also attached that notice as well.

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 2022-10-21 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Someone was supposed to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I asked my partner to call and request the total balance on the account with MAS financial services, because I was working. Due to the fact that I had previously noticed that on all of the billing statements sent to me are a different balance on the account, and only continue to vary with each new statement. MAS financial refused to give this information on XX/XX/2022. Additionally, the monthly payment increased by {$100.00}. I was never notified beforehand. 

Very shortly after I had my partner request this information, I began to get phone calls by MAS financial at my Job, and random family members of mine also have been receiving phone calls. MAS financial was never given family contact information nor given permission to contact my job or family members. They were notified on one of the times they called a family member of mine that they are in violation of federal law of repeated phone calls which constitutes harassment. 

In a second attempt to find out information, I sent a cease and desist on XX/XX/2022 certified mail to only contact via mail and requesting original documentation also via mail. I gave 30 days to respond. MAS Financial never responded within 30 days. I was sent a letter from the a debt collector for an amount due not total balance of account on XX/XX/2022. Now it is XX/XX/2022, I received a phone call with no caller ID. I answered with hello and the first response is " What's up XXXX, where is the red car '' Now I am requesting " Request for an accounting '' notarized in writing via certified mail. where I will be assessing a fee of {$33.00} a day. I want any and all documentation provided to me within 14 CALENDER days. 

I also have forwarded all this information to the FTC, DFPI and attorney general of CA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXL, # XXXX, XXXX XXXX, # XXXX. 
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 non-monetary relief
Consumer complaint received 2022-10-21 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: TN

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX AV XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX GA XX/XX/2022.

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 2022-10-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: WA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}

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 2022-10-21 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: WA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: WA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460.00}

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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I receive a voicemail from Sheffield Financial calling to verify my identity in regards to a loan request they received in my name. Upon calling the number back, the Sheffield Financial representative informed me that someone applied for a loan with them using my information at a store called XXXX XXXX in XXXX, TX. The representative noted the individual ( s ) made the loan request in person and had provided my full name, address and social security number. However, the fraudster provided the incorrect city when giving my address, which caused suspicion. The representative assured me that Sheffield Financial will decline the loan request. 

I called XXXX XXXX shortly thereafter and spoke with the store manager, XXXX. XXXX informed me that two individuals came into his store earlier in the day claiming to be me and applied for a loan to purchase a XXXX recreational vehicle, which are in excess of {$50000.00}. XXXX was empathetic to my situation and provided their local sheriff department 's contact information. He also noted that he would try to get the fraudsters back into the store tomorrow, XX/XX/XXXX, in hopes of having them arrested.

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is a follow-up to a previously submitted complaint ( Complaint ID : XXXX ) that was closed based on the response provided by Capital One. Since XX/XX/2022, Capital One has restricted my checking and savings accounts, holding the funds, based on a claim of suspicious activity that they were allegedly investigating. Since receiving communication in the form of an email on XX/XX/2022 regarding these actions, I have been unsuccessfully attempting to contact Capital One, including the Customer Protection Resolution team I was referred to. During this time period I have continued to receive paper statements from the bank showing the available balance on the accounts as if the funds were available while the online portal shows that the accounts are restricted and the funds can not be accessed. 
I filed the above referenced complaint in XX/XX/2022 and Capital One responded on XX/XX/2022 with a letter citing the account disclosures agreed upon at the time of account opening ( which XXXX obviously aware and familiar with ) and claiming that their records confirmed transaction activity that goes against the terms and conditions which resulted on a restriction being placed on the account on XX/XX/2022 with an investigation into the account. They also indicated that the account was part of an ongoing investigation but a decision was made to terminate the relationship and that once the investigation was over they would mail any funds owed to me via check to the mailing address on file. The letter included a phone number and available times to contact the sender for additional information which I have unsuccessfully attempted at various time intervals within the timeframe provided. I have left voice mail messages at the number provided since early XXXX when I received the letter and for over two months have yet to receive a callback. The letter was submitted as a response to my initial complaint and was signed by XXXX, on behalf of Capital One. 
I am submitting a second formal complaint against Capital One for this matter as they have violated my rights as a consumer and should be held accountable for providing valid and complete information on this matter. Attached are the communications I received from Capital One including the letter they submitted to close the initial complaint filed.

Company response to consumer: Closed with explanation