vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your response really infuriated me! How can you dismiss my request for assistance with my credit report as if it's insignificant? Your explanations are nonsensical, and it seems like you're disregarding my concerns altogether. 

Here is the list of the following account need to DELETE : XXXX XXXX and XXXX XXXX . 

I'm not playing games here I genuinely believe I'm a victim of identity theft. I provided you with all the evidence, and you're suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. 

If you require additional information, just ask plainly. Don't hide behind convoluted language and confusing explanations. I want this resolved promptly, and I mean now. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested.

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 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
SCUSA/GATEWAY ONE LENDING Date opened : XX/XX/2016 To whom it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify these payments and if you fail to verify I would ask you to delete permanently from my credit report, I also demand that you show supportive documentation that you are reporting this item as accurate, showing that actually been late, this is violation of 15 USC 1666 b which is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
These are unauthorized inquiries ( XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ), which I have not approved or given written permission to furnish in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized use of my report. My accounts are reporting inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Upon review of my Early Warning Services report, I discovered there were 109 checking and savings account transactions as well as 19 status history transactions reporting from XXXX XXXX XXXX XXXX without my consent. I contacted XXXX XXXX in regards to this matter and requested them to provide me proof that I agreed to them reporting these transactions and they couldn't provide me anything. I also requested to opt out of any reporting to non affiliates such as Early Warning Services LLC which they denied my ability to opt out. Pursuant to 12 CFR 1016.10 ( a ) ( 1 ), You may not disclose any nonpublic personal information about a consumer to a non affiliated party unless you have provided initial notice to the consumer as well as notice to opt out with a reasonable opportunity before disclosing the information to a non affiliate. These actions constitute a violation for willful non compliance under 15 U.S.C. 1681 ( n ) in which damages are {$1000.00} per violation per the FCRA. XXXX XXXX is also in violation within their own privacy policy terms in regards to disclosing my non public information to a non affiliate third party. I'm requesting the removal of all transaction history items from the Early Warning Services report as well as civil liability for willful non compliance in the amount of {$1000.00} per transaction ( 128 transactions ) = {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion shows XXXX XXXX XXXX XXXX XXXX XXXX Paid in XXXX Charged Off Purchased by another lender and has verified this as accurate. 

The CREDIT REPORTING RESOURCE GUIDE | XXXX Copyright 2020 Consumer Data XXXX XXXX XXXX XXXX XXXX. Question : How should accounts that have been sold to another company be reported. 
Importan.t Notes : Payment history that occurred with the previous lender, which is already on the consumers file, must not be reported by the new lender. Do not report purchased accounts that were included in discharged/completed Bankruptcies. 

A Debt Buyer is a company or individual who purchases accounts ( generally non-performing debts ) with the intent of collecting debts owed. A Third Party Collection Agency is a company or individual who specializes in collecting outstanding debts for other businesses or individuals. 
Report data in the standard Metro 2 Format, including the Header Record.

Accounts must be deleted for the following reasons : Accounts which have been forwarded or sold to another entity ( Debt Buyers ) Accounts of consumers who have filed petitions for Bankruptcy ( Third Party Collection Agencies )

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above . 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit 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  equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For OPEN XXXX XXXX XXXX accounts only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above. 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. 
Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Credit 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 equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting 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:
I recently reviewed a copy of my credit report and notice I have XXXX activity please remove the fraudulent accounts as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Starting Monday XX/XX/year> Attempted to initiate wire, transfer to domestic escrow account to close on house.

Their website did not appear to be working properly. I spoke to customer service who advised I walk through the process which I then completed.

They verify that they received the transfer request and that it would be submitted to the department and I would receive a callback that day with any questions. This was completed at approximately XXXX XXXX  well before XXXX  Pacific standard time cut off for same day wire. 

I received no phone call and then checked back the next day when it did not go through. They said that it was created, but there was an issue on their end and it did not complete and they asked that I send in a paper form. This was after I had called earlier in the day to ask for guidance and was told that it was still in process and that they would get back to me. I sent the paper form along with my identification and the name on my account and my ID did not match as I changed it due to marriage. I asked if that was going to be a problem they said no. I advise that I have a marriage certificate and ID if needed. They said it would be fine and that they would process it.

It was not processed I called back again the next day Wednesday, XX/XX/XXXX the

day that we were supposed to close our escrow I informed them that this absolutely must go in. I was then called back and advised that the name difference would create an issue and that I should submit a transfer request online.. them. I have no confidence in that as Ive already attempted that XXXX  was promised callbacks, which never occurred was promised that it was escalated by multiple customer service reps in each case, never resulted in the wire being completed.

I came up with a solution of offering my wife to send the manual wire request form because her ID would match the account. I took her name in marriage. The person advised that that would work and I got it before they cut off at XXXX  Pacific standard time. I called customer service who informed me that they would speak with the wire department. I was on hold for approximately XXXX minutes and they came back and confirmed that everything was correct and that the wire would go out that day. 


The wire did not go out it still shows only as requested in their system. it has been XXXX business days from the initial wire transfer request which is supposed to be fulfilled same day. as a result escrow closure is now delayed with unknown repercussions to the fast purchase of the home.

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 monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized use of my report. My accounts are reporting inaccurately

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing a complaint to Capital One. My account in Capital One was blocked after an unsuccessful transaction from my main bank account from XXXX XXXX XXXX in XXXX days. 
I opened my main bank account ( checking account ) on XXXX XXXX in Capital One. After that, the bank app gave an option to transfer directly to the Capital One account from another bank through direct deposit. I wrote my account number and routing number. The transaction was successful. I saw this transaction in the Capital One app on XX/XX/XXXX. But after XXXX days on XX/XX/XXXX I got a message on my e-mail from Capital One that XXXX XXXX XXXX refused the transaction. I called to the XXXX XXXX XXXX customer service. The woman explained that I wrote the routing number for wires in the Capital One app, not for the electronic transaction and XXXX for making the transfer. At the same time, she said that she said could not see that the transaction was done. I opened the XXXX XXXX XXXX app I could not see that transaction either. In the Capital One account, it showed that the money got deposited into my account and after the XXXX XXXX XXXX XXXX took it back. After the call from Capital One, they contacted me and asked for the address ( I was in the process of changing the address I said the new one and the previous address ). After the small decision, they blocked my account without saying the reason. 
I called Capital One again, asking the reason why my bank account was blocked account they couldn't say anything. 
The day after I called 2 times to customer help and on the second time the woman provided the investigation e-mail of the bank. I explained this situation to the investigation office of the bank and they wrote to me in XXXX days : " Thanks for your patience while we reviewed unusual activity on XXXX or more of your accounts. We finished our investigation and found there was no suspicious activity. You now have complete access to your Capital One account ( XXXX ). Youll need to request a new debit card, which you can do online or through the Capital One XXXX app ''. 
I entered the app again and I saw that my checking account is still blocked. 
I thought ok, maybe I can open a new account. I tried to open an account XXXX  times and I got these messages : " We declined your application because your XXXX XXXX XXXX  deposit account score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. 
According to XXXX XXXX XXXX, these are the major factors impacting your score '' I got blocked by mistake. This bank mistake will affect my reputation when I open the bank account again. 
I am looking forward to your letter, Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting 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:
Attempted to apply for a vehicle a few weeks ago when the salesperson told me that my credit score was XXXX and I would have to put down a deposit. I knew this wasn't right because I've always been in the XXXX 's. Well, come to find out, someone had stolen my information from a online store I used to shop with. Long story short, I went to the FTC for help and they gave it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief