vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Recently I Applied for a Synchrony Bank XXXX XXXX XXXX XXXX  advertised it on website ) to help with car and vehicle expenses! The denial reason was That I owed synchrony bank on a prev credit line! This is just to resolve the credit line and or settle this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im now starting to get back up on my feet! Ive also has several other Synchrony Bank Cards others one of them I owe a balance on being XXXX XXXX card! Im requesting to again settle and or resolve this and would like to ask and or offer the following! 

XXXX XXXX of the what seems to be XXXX balance as before anything happens I tried making small payments and got the account down to such a low amount and tried to do right by synchrony bank and let me immediately reapply and or have my application reconsidered as such! 



Im willing to resolve this and pay the XXXX balance on the following stipulation and all of them have to be met! 

XXXX. The XXXX  XXXX card is taken out of synchrony banks system and not used against me! 

XXXX. The XXXXXXXX XXXX XXXX I applied for is reconsidered and approved amount based on credit worthiness and up to synchrony bank XXXX. XXXX XXXX XXXX Removed from credit Bureaus I would need the payment address to send the money order and or check! 

If you sign and or date the check and cash it The Bank Agree that they then are entering into the above agreement and must obide by such!

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 2023-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I opened a credit karma savings account. Somehow my information got compromised. Credit Karma froze the account. I have tried several ways to get in contact with this people. Every time i call or chat. They tell me the investigation team will contact me. Has passed several months and no one has reach out to me to close this small account. All i want is for this people to close the account and mail me to the address on file a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights, The reporting dates are wrong, last date of payment last date of active are all wrong. I have sent messages after messages and they have never done anything about it i have shown you the inaccuracies and these accounts are still on there please remove these accounts from my credit report as soon as possible.

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 2023-11-10 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I XXXX XXXX checked my transunion credit report and noticed I have some fraudulent inquiries on my report I have listed the inquiries below. 

XXXXXXXX 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 2023-11-10 00:00:00
Product: Credit reporting 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:
requested removal of unknown inquiries contact bureaus for removal and nothing was done I will provide a identity theft report due inaccurate report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting 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:
requested removal of unknown inquiries contact bureaus for removal and nothing was done I will provide a identity theft report due inaccurate 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 2023-11-10 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yesterday, on XX/XX/2023, Capital One Platinum emailed me a dispute update letter stating a merchant ( XXXX XXXX XXXX XXXX ) responded to my credit card dispute of a {$250.00} unauthorized charge to my credit card weekend of XX/XX/2023. Merchant erroneously claims I stayed for XXXX nights at its hotel. In contrast, I only stayed XXXX night where they properly charged {$190.00} to my credit card. Inexplicably, merchant charged each night in 2 separate credit card transactions. Merchant ignored my telephone messages so I filed a formal dispute with Capital One Platinum. The Merchant 's dispute response to Capital One was deficient, lacked explanation and completely ignored my formal request for merchant 's electronically stored information related to my hotel room key which will provide I only stayed for one night instead if two nights. Merchant supplied no documents to prove this, documents with my signature to validate the {$250.00} charge, or the requested documents about the exact dates and times of my check in/out. Capital One 's dispute update letter sets forth the next steps in the dispute resolution process for me to upload rebuttal documents on its secured website for the dispute team to review. After speaking by telephone with a Capital One customer care representative yesterday morning who urged me to submit my rebuttal the same day, I uploaded my rebuttal documents yesterday afternoon. Yesterday evening, I called Capital One again who confirmed my rebuttal records were received and would be reviewed within the next few days. But, this morning, my Capital One online account indicates the dispute is closed without further explanation and the unauthorized {$250.00} charge was placed back on my account. As discussed in my attachments, Capital One 's actions violated its own internal dispute resolution written policies, its written customer fraud protection policy and everything its two employees said to me in two separate phone calls yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute and request the immediate blockage of inaccurate information on my credit report that is a result of identity theft. I recently attempted to apply for credit and was denied, prompting me to review my credit report. Upon inspection, I identified Three ( 3 ) unauthorized accounts reported by 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 The
ft and FCRA Violation : I have diligently tried to dispute these accounts directly with the creditor, XXXX XXXX XXXX. Despite my efforts, they have been unable to provide any evidence or documentation proving that I am associated with these accounts. As such, I am left with no choice but to believe that these entries are a result of identity theft. 
Furthermore, I did not provide any written permission, as required by the Fair Credit Reporting Act ( FCRA ), for the inclusion of the identified transactions on my credit report. As such, I am formally requesting that you block the reporting of this information as it is not related to any transactions initiated by me, the consumer.

Request for Blockage : Pursuant to FCRA Section 605B ( 15 USC 1681c-2 ), I kindly request the immediate blockage of the aforementioned unauthorized accounts from my credit report. This section explicitly states that consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft.

Supporting Documentation : Enclosed with this letter, please find a copy of the police report I filed regarding the identity theft. This documentation serves as proof of the unauthorized nature of the accounts and supports my request for the blockage of this information from my credit report.

I expect your immediate attention to this matter and request confirmation once the blockage has been implemented. Additionally, please provide me with a free copy of my corrected credit report after the changes have been made.

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 2023-11-10 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: VA

Complaint narrative:
I am writing to formally dispute and request the immediate blockage of inaccurate information on my credit report that is a result of identity theft. I recently attempted to apply for credit and was denied, prompting me to review my credit report. Upon inspection, I identified Three ( 3 ) unauthorized accounts reported by 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 and FCRA Violation : I have diligently tried to dispute these accounts directly with the creditor, XXXX XXXX XXXX. Despite my efforts, they have been unable to provide any evidence or documentation proving that I am associated with these accounts. As such, I am left with no choice but to believe that these entries are a result of identity theft. 
Furthermore, I did not provide any written permission, as required by the Fair Credit Reporting Act ( FCRA ), for the inclusion of the identified transactions on my credit report. As such, I am formally requesting that you block the reporting of this information as it is not related to any transactions initiated by me, the consumer.

Request for Blockage : Pursuant to FCRA Section 605B ( 15 USC 1681c-2 ), I kindly request the immediate blockage of the aforementioned unauthorized accounts from my credit report. This section explicitly states that consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft.

Supporting Documentation : Enclosed with this letter, please find a copy of the police report I filed regarding the identity theft. This documentation serves as proof of the unauthorized nature of the accounts and supports my request for the blockage of this information from my credit report. 
I expect your immediate attention to this matter and request confirmation once the blockage has been implemented. Additionally, please provide me with a free copy of my corrected credit report after the changes have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-11-10 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Coinbase account to XXXX at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting 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: SD

Complaint narrative:
I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX 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 2023-11-10 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I XXXX XXXX currently have some fraudulent inquires on my Equifax credit report. I have listed the inquiries below. 


XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: GA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I got a phone call from XXXX XXXX XXXX regarding a vehicle I wanted to look at. I went to XXXX XXXX XXXX after I got out of work. I have been in Social Security XXXX since XXXX. I suffer from XXXX, and XXXX XXXX  alone with several other XXXX. 

Once I got in the door, as no other customers were in there, all the salesmen jumped on me to but this vehicle. I went into a XXXX XXXX as well as XXXX flaring up. In other words, all of them on me was too much. The salesmen also said that I 'was there to but the car ', I argued that I only wanted to look at it. 

I signed many documents under severe pressure from the salesmen there. I didn't even know the cost until the papers were signed, except for the Loan Application, which I refused to sign as it had fraudulent financial information written into it. I have put on here, my actual income from SSA. While working, I had to repay SSA as I was drawing SSXXXXI. 

I was taken advantage of, and Wells Fargo Auto Finance should know that as I bank there regularly. I`ve had to repay SSA over {$10000.00}. Now I`m retiring after years of working as a XXXX XXXX XXXX XXXX. Also, I only worked at XXXX XXXX XXXX for XXXX month, not XXXX years, which was on the Loan Application that I did not sign. I didn`t see any of the sales paperwork until one full month after the sale.

I called Wells Fargo Auto Finance right after the sale, and the representative told me 'too late, you already have the loan ', so they would never have worked with me on the fraudulent deal.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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