vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: CO

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-12 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: CA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 15 U.S. Code 1681s2 and 5 U.S. Code 552a, 15 U.S. Code 6802, 15 U.S. Code 6805 THIS IS NOT A DISPUTE.

Im submitting this letter in regards to the negative items reported on my consumer report without my consent. I demand these items be deleted and blocked from reporting and having an affect on my report that Im taking control of from this day forward.

These laws that are attached will help represent me, the living being, not someone who is considered lost at sea.

15USC16930-1 HSR-192 18USC8 12USC411 UCC3-419 UCC1-308 UCC3-603 UCC3-104 31USC23 31USC3123 31USC-5103 XXXX XXXX XXXX. 

XXXX XXXX. 


I do not wish to contract with any of the said above parties, so do the right thing and follow and obey all laws as instructed. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

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 2023-07-12 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: CA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 15 U.S. Code 1681s2 and 5 U.S. Code 552a, 15 U.S. Code 6802, 15 U.S. Code 6805 THIS IS NOT A DISPUTE.

Im submitting this letter in regards to the negative items reported on my consumer report without my consent. I demand these items be deleted and blocked from reporting and having an affect on my report that Im taking control of from this day forward.

These laws that are attached will help represent me, the living being, not someone who is considered lost at sea.

15USC16930-1 HSR-192 18USC8 12USC411 UCC3-419 UCC1-308 UCC3-603 UCC3-104 31USC23 31USC3123 31USC-5103 XXXX XXXX XXXX. 

XXXX XXXX. 


I do not wish to contract with any of the said above parties, so do the right thing and follow and obey all laws as instructed. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I received a Visa Sapphire credit card in the mail on XXXX. I had not applied for it. After calling XXXX today, XXXX, I discovered that someone applied for it on XXXX fraudulently evidently. I never activated this card but there were charges totaling {$520.00}. The customer service agent said they would cancel this account and I would not be held responsible for paying the bill as of XXXX. Previously back in XXXX, I tried calling XXXX to complain. I would not give my XXXX digit SSN when they asked over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: NJ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-07-12 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: CA

Complaint narrative:
I noticed a number of unauthorized transactions in my account and reported them as fraud. I called both the merchant and my financial institution ; XXXX and Wells Fargo Bank. XXXX assures they do not have any record in their system for the transactions that all together add up to {$1000.00}. XXXX can not refund me the money since they have no record of me for those dates or amounts. I opened a fraud case for the transactions with my financial institution on XX/XX/2023 and they gave me a credit for the full fraud claim amount. Yesterday I got a reverse credit charge of the {$1000.00} charge from Wells Fargo. I called Wells Fargo and asked why ; they told me XXXX provided documentation that I indeed authorized the transactions, I asked for the proof of the documents and they said they would send them and I should receive them in 30 days. I was told they would not reopen my case or even be able to re-submit a fraud case for the transactions. I once again told them I DID NOT AUTHORIZED THOSE TRANSACTIONS and I was told I would need to call XXXX and get my money back from them. I called XXXX and they again told me there are no transactions in my account records with them so they can not give me money back and that they did not have any requests from my bank requesting any refunds. At this point I have been disconnected and hung up several times from Wells Fargo and I have a overdrawn amount of {$700.00} in my account. The reverse credit took the little money I had in my account until my next pay direct deposit and I am unable to buy food, gas, or pay bills for my household of XXXX that include XXXX XXXX people and XXXX children. Both Wells Fargo and XXXX stand on their grounds defending their positions and I am extremely overwhelmed by being the victim of this situation.

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 2023-07-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX Credit Report and Information Dispute Dear Sir/Madam , I am writing to file a formal dispute regarding inaccurate information on my credit report, as provided by Experian, XXXX, and XXXX XXXX I have previously attempted to resolve this matter directly with the credit bureau but have not received a satisfactory response. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this issue. 

I have identified the following inaccuracies on my credit report : such as incorrect account information, inaccurate payment history, or mistaken balance. 
I believe these errors have negatively impacted my credit score and overall creditworthiness. It is crucial to address these inaccuracies promptly to ensure fair and accurate reporting. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters and take the necessary steps to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S 1681 they are required by federal law to verify through the physical verification of the original signed consumer contract, I have not received any physical form of proof. I also understand that you have the authority to enforce compliance and ensure that the credit reporting agencies maintain accurate and fair reporting. 

I also request that you inform me of the progress and outcome of this investigation. Additionally, I would appreciate any guidance or assistance you can provide throughout this process. 

I am also informed that there was a major breach by one of this agency employees who sent personal information and details to a personal email account. Proper actions was not taken and my personal information may have not been destroyed or deleted. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving these inaccuracies. 

Sincerely, 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 2023-07-12 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: AL

Complaint narrative:
I called all three bureaus about inquiries that were not known to me. Equifax suggested that I file with the FTC and send them a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Wheels of Chicago, Inc.
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX in late XX/XX/XXXX. I went totally confident and left very pleased with this vehicle. 3 weeks after I had the car it rained and my car got flooded. I called service and the lady told me that it was normal because the vehicle has a sunroof. She told me to bring it in and she would have it drained. A few days later the panel indicated that my tires ' pressure was low. In a time frame of 3 weeks, I had to get 3 new tires. I purchased the 3 tires hoping that it was just bad luck that I got 3 defective tires. On XX/XX/XXXX the car started shaking on drive when I came to a total stop. I called service and they gave me an appointment for Thursday XX/XX/XXXX. I took the car in on XX/XX/XXXX. Service called me and told me that 3 mounts had to be replaced. They gave me an estimate of {$870.00} and told me that it would solve the problem She told me to call Chicago Acceptance so that they can help me finance so that I can get it fixed. I went to pick up the car on XX/XX/XXXX ( 7 days later ), and the girl from service told me that the car wasn't shaking as much as before and that it was only shaking when it was on drive. I told her that this was the reason why I brought it in the first place. She told me that it might be that it needed to have the oil drained and that would be an extra {$1000.00}. She told me that the car wasn't sending a code so they weren't sure why it was still trembling. She told me that if it doesn't stop then I should take it to a place where they fix transmissions. XX/XX/XXXX, my car is trembling violently and the check engine light on the panel is on and a wrench indicated that the car needs service. The car stopped working completely. I got the car towed to Wheels of Chicago and the owner told me that I need to pay {$5700.00} to get my transmission fixed when he told me that the vehicle came with a transmission defect and that it had a recall. He stated that he would take it to get it fixed because he had to take his XXXX XXXX for the same reason. I told him that I couldn't do that amount he gave me a 25 % off making it sound like a great option for me to provide upfront {$1100.00} or they will put my car in storage and I still have to make payments. I never once missed a payment on that car. I was paying {$600.00} + {$240.00} for insurance a month for a car that has been giving me problems since day 1.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: OR

Complaint narrative:
XX/XX/2023 tried to order a new card yet again and it's not allowing me to or a message pops up saying unknown error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
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 2023-07-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A Chase card has been opened in my name but the problem is that I never opened it. There is an address on my credit report that I have never lived at. I have sent a letter to Chase card to this effect. I would like this to be resolved as soon as possible to prevent further damage to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
XXXX I received XXXX calls today from XXXX at Portfolio Recovery Associates. XXXX stated that I had a payday loan in XXXX ( I filed bankruptcy in XXXX ) and that my wages would be garnished due to no payment. XXXX was VERY rude and threatening. Today was the very first time I had heard from them. Nothing has been sent in the mail. My attorney looked up the number and said that this was a spam call but I am XXXX XXXX XXXX and I do not need that kind of stress in my life. These people are unbelievable. 

XXXX XXXX The name was under XXXX XXXX. I was married in XXXX and changed the name to XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/23, I received a text message from a person saying that they were Wells Fargo bank and to confirm if there was a transition via XXXX for {$3500.00} from my account at XXXX XXXX. I replied no. I then received a text message telling me that XXXX of the representatives will be contacting me shorty. I then received a phone call from the number that is on the back of my Wells Fargo debit card thinking it was Wells Fargo calling about the fraud at XXXX. The person identified themselves as XXXX XXXX and a fraud specialist with Wells Fargo bank. The person had me confirm the amount in my accounts and the last couple of transitions. They informed me that someone was trying to use my XXXX to transfer {$3500.00} to a person in XXXX GA. I indicated that it was not me. They said to stop the transition that I would need to send {$3500.00} to a person that works for XXXX by the name of XXXX XXXX to ensure that the account is working and they can block charges for that amount. They put me on hold ( with hold music ) for a couple minutes saying they were connecting with a XXXX representative now. They returned and said that I will receive a request from the representative to send the amount and this will stop the fraudulent transaction. They said if I did not send the amount through this process it they may not be able to stop the transaction therefore I will be losing the money and I may be locked out of the account. Once I have sent the money, it would be returned to my account in 24 to 48 hours. After I sent the money, I was put on hold again to confirm the process. When they came back, they said there was an error and I needed to send it again. I said I was unable to do that at the moment. I asked for a reference number and they gave me the number XXXX. They then said they would call me back around the same time tomorrow to confirm where we are in the process. 

Once I huge up with them, I called the number on the back of my debit card directly and was sent to the online fraud department. While reporting what happened, the spoofed number tried to call me twice. I reported the incident to Wells Fargo and the case number is XXXX. Filed a police report online, case number XXXX. They also attempted to call me again from the spoofed number on XX/XX/23 at XXXX XXXX. I called Wells Fargo to add the additional information like my police report number they told me they closed my claim as there was no bank error and sent the claim to XXXX. The XXXX case number is XXXX. I was never informed by Wells Fargo that the claim was closed on their end until I made the phone call.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One sent my a prequalified offer for a credit card. I used the pre-qualified offer and opened an account. I was given a {$2000.00} credit line and sent a card. I was using the card and paying it off once the charge posted. I never once was late on a payment and I never put more than {$600.00} on the account. Capital one suddenly closed my account and gave me very vague information as to what effected their decision to close my account. nothing new had come up on my credit report since I opened the account besides the hard inquiry from Capital One themselves. They had the option to first not send me a pre-qualified offer and secondly to not open an account. I now have another closed account on my credit report because of Capital One and don't have a clue as to why they actually closed the account. I spoke to Capital One customer service to inquire about my account being closed and they refused to provide any information and refused to let me dispute the closing of my account. The account was opened in XXXX of 2023, I was never late on my payments and was never over my credit limit and payed my account off early. My account was closed in XXXX of 2023. That also when I spoke to customer service. My account currently has a XXXX balance.

Company response to consumer: Closed with explanation