vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for Transunion is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXXXXXX XXXX XXXX', and " XXXXXXXX XXXX XXXX' which I do not recognize, The inquires that are fraud on XXXX are " XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on Transunion are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX  ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not flourish a account without my written instructions. 15 U.S.C 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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I was scammed of {$25000.00} US dollars by XXXX XXXX XXXX XXXX. 
I'm a member of USAA and they sent the wire to pay and I'm protected by the bank. 
Included is proof of exactly what happened!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for XXXX and Revolving for Equifax while not being reported at all for XXXX, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having XXXX late payments on XXXX, XXXX, and XX/XX/2023 on XXXX while not having any late payments according to Equifax, Balance was last updated on XXXX XXXX for XXXX and XXXX XXXX for Equifax, Past due amount according to XXXX is {$15.00} while according to Equifax it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for XXXX, XXXX XXXX XXXX for Equifax, XXXX for XXXX is the same account being reported extremly inaccurately, For both XXXX and Equifax the account number is being reported as " XXXX '' While for XXXX it is being reported as " XXXX '', For XXXX there is no balance displayed while for both Equifax and XXXX it is being reported as {$0.00} balance and 100 % being paid off, For XXXX the account type is displayed as " Secured Loan '' while for both Equifax and XXXX it is being displayed as an Installment account. There is no balance update date for XXXX while for Equifax it is being reported as last updated on XX/XX/2023, And as for XXXX balance updated last XX/XX/2023, For XXXX there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of 2023, For Equifax there is XXXX late payments being reportedon XXXX, and XXXX of XXXX, for XXXX there is XXXX late payments being reported on XXXX of XXXX  and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the XXXX report is different than both Equifax and XXXX This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for Experian and Revolving for XXXX while not being reported at all for XXXX, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on Experian while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for Experian and XXXX XXXX for XXXX, Past due amount according to Experian is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for Experian, XXXX XXXX XXXX for XXXX, XXXX for XXXX is the same account being reported extremly inaccurately, For both Experian and XXXX the account number is being reported as " XXXX '' While for XXXX it is being reported as " XXXX '', For Experian there is no balance displayed while for both XXXX and XXXX it is being reported as {$0.00} balance and 100 % being paid off, For Experian the account type is displayed as " Secured Loan '' while for both XXXX and XXXX it XXXX being displayed as an Installment account. There is no balance update date for Experian while for XXXX it is being reported as last updated on XX/XX/2023, And as for XXXX XXXX updated last XX/XX/2023, For Experian there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of XXXX, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for XXXX there is 2 late payments being reported on XXXX of XXXX  and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the Experian report is different than both XXXX and XXXX This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
THESE ITEMS IN MY CREDIT REPORT FILE ARE UNAUTHORIZED ALL IS BEING INVESTIGATED BY THE FTC. THE FOLLOWING INQUIRIES ARE ALSO UNAUTHORIZED. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

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. 


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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
ACCOUNT NAME SANTANDER Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 



XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Company Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Personal Loans Companies XX/XX/XXXX XXXX I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the 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 non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow up to Complaint XXXX. 

Capital One responded by saying that they owe me {$20.00} rather than the {$25.00} I had thought they owed me. However, they haven't given me even the {$20.00} in rewards they admit they owed me in the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or around XX/XX/XXXX I opened an account with Capital One. My account was in good standing up until XX/XX/XXXX when I could not longer keep up with my obligation to my account because of the XXXX XXXX. I was troubled as the rest of the world was as we were affected by this disaster. From the months of XXXX XXXX XXXX my account was unpaid until XX/XX/XXXX when I paid off my debt to the company and Capital One closed my account. Prior to this I made several attempts to have my payments be paused or some type of arrangement be made and my attempts were unsuccessful. This has damaged my credit and hurt my ability to obtain new credit. According to the CARES Act some type of relief should have been provided to me and it was not and I am completely distraught because of this harmful activity furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: NY

Complaint narrative:
My name was used in an online ponzi scheme called XXXX XXXX back between XXXX. I was contacted by a debt collection agency Cawley and Bergmann LLC. I was only ever contact by mail. The letters showed up in different envelopes, printed differently, and different letterheads. They did not look official or professional in any way. The letters talked abut my involvement in a ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contact the collector and tried to get more information. Stating I have had no involvement and haven't been shown any proof of the contrary. They told me to XXXX it and they couldn't help me. I have attempted to get law advice during this time to no avail. This month I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ), and am filing this claim in a hoping of getting some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2023, I got a notification from my Apple card account that a purchase transaction took place on XXXX at around XXXX XXXX. I immediately contacted Apple they filed an investigation in which my physical card was canceled ; today, it has been ten days since the incident I have not received or been notified that a new card has been shipped. Also, bear in mind this entire conversation is by text message, not phone with a live person. I contacted customer support over the phone ; They explained that they do not automatically order new replacement cards. The support team told me you had not paid my bill for the month ; my response was no ; I reported for fraud and have not gotten a replacement card. I am not 30 days delinquent on this. I am concerned about making a payment with a new card being ordered and shipping for replacement prior to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for XXXX and Revolving for XXXX while not being reported at all for Transunion, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on XXXX while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for XXXX and XXXX XXXX for XXXX, Past due amount according to XXXX is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for XXXX, XXXX XXXX XXXX for XXXX, XXXX for Transunion is the same account being reported extremly inaccurately, For both XXXX and XXXX the account number is being reported as " XXXX '' While for Transunion it is being reported as " XXXX '', For XXXX there is no balance displayed while for both XXXX and Transunion it is being reported as {$0.00} balance and 100 % being paid off, For XXXX the account type is displayed as " Secured Loan '' while for both XXXX and Transunion it is being displayed as an Installment account. There is no balance update date for XXXX while for XXXX it is being reported as last updated on XX/XX/2023, And as for Transunion balance updated last XX/XX/2023, For XXXX there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of 2023, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for Transunion there is 2 late payments being reported on XXXX of XXXX and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the XXXX report is different than both XXXX and Transunion This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting 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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The company put freezez on my account. unespected fees, promblem with withdrawals and making deposits.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX it is closed and I would like it removed. XXXX XXXX, XXXX it is closed and I would like it removed. XX/XX/XXXX open on that day but was charged off on XXXX XXXX, XXXX would like it removed. XXXX XXXX open on that day but was charged off on XXXX. XXXX XXXX would like this removed.

Company response to consumer: Closed with explanation