vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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 Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2022, I received an alert on my credit monitoring stating that Capital One had place a Hard Inquiry on my credit report. I had NOT applied for a credit card. I place a Fraud Alert on my credit report. A couple of days later, Capital One called me and said that someone had submitted a credit card application in my name. I told them it was not me, that it was fraudulent. ( I assume the application would have been approved if not for the fraud alert. ) The customer representative told me the application would be destroyed and that Capital One would remove the Hard Inquiry from my credit reports. They did not! I attempted to have XXXX remove the Hard Inquiry, but they can not. XXXX said I have to contact Capital One. 
On XX/XX/2022, I called Capitol One. The customer representative told me to submit a letter with the details of my request, a copy of the Hard Inquiry on my report and they would remove the Hard Inquiry. I did exactly as she suggested but Capital One did not follow through on the promise. I instead received a form letter implying that the inquiry was a prescreen ( not true ) and how to opt out. I called Capital One again and the customer representative told me to contact the credit bureaus. ( which I had already done ). 
I mailed a second request to Capital One on XX/XX/2022, with my complaints and documentation. Today, XX/XX/2022, I received the identical form letter, with a new case number. 
I am totally frustrated! The Hard Inquiry remains on my credit reports with all 3 bureaus, with a notation that I applied for credit, which I did not. Capital One, apparently could care less, it is obvious they do not even read the letters, I have 2 form responses with 2 different case numbers! The credit bureaus can not remove the Hard Inquiry, since it was Capital One 's error that place the Inquiry on my report.

I my opinion, it is not right that this Inquiry should remain on my report and that Capital One does nothing to address my concerns and correct Capital One 's error. 
To my understanding, The Fair Credit Reporting Act requires Capital One to report accurately and conduct reasonable investigations of disputes. 
I would appreciate any help you can provide with this dispute. If my complaint is not appropriate here, then an alternative would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
on XX/XX/2022 someone received my person information intended for someone else and opened a Zelle account took XXXX form my account. My bank will not refund because I provide the information. It went into an account I want that person investigated. they set up the account not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I already submitted a complaint, but there was no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Back in XXXX of 2021 I received a letter from XXXX stating my personal information had been compromised and they would provide me free 2 yr identity protection. During the process of signing up for the protection I discovered that 2 accounts had been opened using my personal information. When I reached out to one of the issuers being Wells Fargo they informed me that a full investigation would be completed, and a " detail '' report would be provided to me at the end of their investigation. I never received any documents regarding the case and how the credit card was opened and when I went into the bank branch was to there was nothing fraudulently found and was informed that my credit card was closed, and they issued the perpetrator of my stolen identity a new card in their name. I was clear with Wells Fargo that I needed the report in order to prosecute the criminals who stole my personal information. 
The other credit card company will be filed in a separate complaint.

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 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank I received a letter on XXXX XXXX, XXXX, recording my Amazon Prime account. The letter stated that I owed a {$230.00} payment. As is custom I pay all my monthly expenses the day my Social Security check hits my account. I paid Amazon {$200.00} in XXXX and left a balance of {$39.00} which would be paid in XXXX. On XX/XX/XXXX, and XX/XX/XXXX I received calls from Synchrony Bank regarding this {$39.00}. I have always made my monthly payments ahead of schedule and almost always the monthly account in full. The account balance has gone up to {$2700.00} which is higher than a month or so higher. 
I pay all my bills beforehand so as not to have anyone harassing me about payments. 
Being on Social Security doesn't mean I should be hassled. Sacrificing to make all my expenses paid before keeps my credit score in good shape. It is my hope that those who work at Synchrony will become more sensitive to those they are supposed to serve, in person, by phone, or by letter. 
Sincerely,

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 2022-09-20 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: FL

Complaint narrative:
I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from 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 2022-09-20 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: NC

Complaint narrative:
THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES I HAVE A 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 ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.

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 2022-09-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES I HAVE A 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 ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/2022 a {$300.00} Deposit was sent online to the XXXX XXXX, XXXX  located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX | XXXX XXXX XXXX XXXX | XXXX, We decided to go to another location, due to the Company stating if he had a Guarantor or Co-Signer he would be over qualified so we decided to cancel the application. Which XXXX the Company that referred us to them stated they would have to return the deposit back to us since the deal was cancelled. Approximately 3 to 4 weeks went by and I followed up with XXXX the Apartment Complex regarding our refund. They stated it had been mailed and cashed. I informed them that we hadn't received anything and confirmed my address, they stated that's where it was mailed, and they sent me a copy of the signed check! Of course it wasn't my signature. At this time, we still haven't received the refund from Synovous Bank and the Apartment Complex is giving us misinformation and nothing definite regarding the deposit refund. Also, whomever Forged my Signature and Cashed the check needs to be held accountable and funds paid with interest. I have spoken with the Manager XXXX XXXX, again nothing has been taken care of at this time.

Company response to consumer: Closed with explanation