vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC is communicating with me ( a consumer ) in connection with collection of an alleged debt that I do not owe. They do not have my consent to communicate with me. JEFFERSON CAPITAL SYSTEMS LLC has my personal private information without my consent. This is identity theft. They are a third party debt collector who purchased this alleged debt from XXXX XXXX XXXX. No consent from me to communicate with me is a violation of the Fair Debt Collection Practices Act. They are reporting inaccurate, incomplete, negative and damaging collection information to my consumer report with XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1692c, I am notifying JEFFERSON CAPITAL SYSTEMS LLC that I refuse to pay the alleged debt and I wish for them to cease further communication with me which included reporting information to my consumer report. The only communication allowed aside from what 15 USC 1692c ( c ) allows is a copy of the AGGRAVATED VALUE OF PURCHASE which will show how much they purchased this alleged debt for as they are extorting me for payment in the amount of {$10000.00}. If they did not purchase this alleged debt for {$10000.00} then they are sharing false & misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello CFPB I'm seeking your help in a matter of a complaint I have with XXXX XXXX Credit Bureau. I first contacted them in regards to not having my XXXX home & the property it sits on, listed on my credit report. I told the gentleman that I had documents proving my ownership. He told me to mail them to them, which I did. I received a letter back from them, telling me they added a XXXX temporary statement on my credit report, indicating that the consumer is deceased. They want me to provide a copy of a government issued death certificate & include a copy of a valid Executor of estate document which authorizes me as a person entitled to manage the deceased affairs. Really!!! 

They are referring to my late husband that passed away in XXXX. We both were originally on the home loan, as joint tenants, & when XXXX spouse passes away XXXX bound, it then automatically becomes the remaining spouses name only on all ownership documents. All the properties are now in my name only. My husbands name is no longer on them. The property Taxes they send to me every year, are in my name only. I sent them all the proven documents with my name. On the documents I sent some were the original from when my husband was still alive & has his name also. I have put my estate in a XXXX trust for my surviving son. Is XXXX XXXX. I pray that you can resolve this, in my favor, & will be added to my credit report. Thank you, Blessings. XXXX XXXX Mailed documents to XXXX XXXX XXXX received them on XX/XX/XXXX. Had countless phone conversations with them, there after. Transferred me from XXXX dept. to another. Contacted FTC they referred me to you, so here I am. Thank you, Blessings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a text message from what appeared to be Huntington Bank asking me if I had authorized an {$800.00} XXXX payment to someone named XXXX XXXX I was prompted to text Yes or No if it was an approved XXXX payment. I texted No and then received another text saying the Fraud Team would be calling me. I received a call from a man claiming to be XXXX XXXX. He said there were two XXXX transactions, one for {$800.00} and one for {$700.00} totaling {$1500.00}. I was at work preparing for a meeting and wasnt paying full attention but The number the guy was calling from showed up as Huntington Customer Service number listed on XXXX so I thought it was legit. He said that my account was on hold and he needed to help me get my money back by sending a XXXX for {$800.00} and another one for {$700.00} under my name. He said he needed my user name and password since the account was on hold and hed help with resetting the info, I let my guard down since the phone number matched XXXX and unknowingly provided this sensitive information and he walked me through how to XXXX myself the money so Id get it back. He said it was going to his managers phone number XXXX and his managers name was XXXX. I did as instructed and he said to hold a minute then disconnected the phone. I called and filed a dispute with a digital rep at Huntington named XXXX. I told her I did not authorize these payments to anyone and was told by this person whom I thought worked for Huntington the {$1500.00} was going to be back in my account soon. XXXX processed a dispute number XXXX and told me go to the branch bank and cancel my checking account to get a new one which I did today. I was told by XXXX it would take 10 days to here back from the Fraud team and possibly up to 45 days. She said normally the bank issues a temporary credit in 10 days however, the bank can deem me at fault and take the money back. This is no different then someone fraudulently charging my debit card in my opinion but the bank rep I talked to at the branch said theres a slim chance I would ever get my money back. I spoke with another digital rep tonight at Huntington named XXXX who said I have about a 30 percent chance for getting money back. This is totally not fair. I swear the guy on the phone claiming to be XXXX XXXX with the Huntington Fraud Team sounded legitimate and totally fooled me into believing he worked for Huntington. Please help me to get my {$1500.00} back! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 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: NE

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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete 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 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 2022-11-15 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: CO

Complaint narrative:
On XX/XX/2022 I mailed a dispute along with a copy of my I.D, proof of address and date of birth pertaining to account XXXX. This account is a COLLECTION ACCOUNT REPORTING OPEN. This is a violation of Metro 2 compliance standards. I have asked TransUnion to mail me a copy of this account showing compliance with Metro 2 reporting standards and this company continues to mock me. Transunion sent a notice " applauding '' my efforts to have this matter fixed. I sent a second correspondence on XXXX 2022 ( all letters will be attached ) and TransUnion responded with the same letter. If TransUnion is verifying information to be correct BEFORE publishing it on my credit report, where are there metro 2 compliance violations on my report. PLEASE AUDIT THIS COMPANY AND OFFICE. NO INFORMRATION TRANSUNION HAS ON MY FILE IS ACCURATE OR TRUE. PLEASE MAKE TRANSUNION SUBMIT METRO 2 COMPLIANCE VERIFICATIONS AND VERIFICATION FOR ALL NEGATIVES ITEMS ON 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 2022-11-15 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: MD

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 : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On Monday XX/XX/2022 my husband and I requested ( via telephone ) an XXXX transfer of funds from our Ally Bank JOINT on-line savings account to our XXXX XXXX XXXX XXXX account. We provided the Ally Bank all information required, as we had a XXXX XXXX representative on the other line helping us. We were told that this would take a few days. By Thursday, XX/XX/XXXX morning, no funds had been transferred. We again called Ally and requested that they wire transfer the funds, as we were now frustrated and willing to pay {$20.00} for a wire transfer. We were told by the Ally representative that a wire transfer must be initiated on line. At approximately XXXX XXXX  on Thursday XX/XX/XXXX, we completed the on-line wire request form and I received a confirmation e-mail at XXXX XXXX  from Ally Bank XXXX We were told that a representative from Ally would call us to confirm the transfer. We stayed home all Thursday afternoon waiting to receive this call. No call. No wire transfer. Friday was a bank holiday, so Monday morning we called Ally, waiting on hold for almost half an hour. Were were told that the wire transfer department was closed and there was nothing we could do until they opened. The representative, XXXX, would not give a message to the wire transfer department to call us back, as we did not want to wait on hold again. We then tried an on-line chat. Chats with XXXX and XXXX did not resolve this issue. However, XXXX told us that we needed to call back and ask for the Loss Prevention Department. Another phone call back to Ally ( they only have one number, so no direct line to Loss Prevention or Wire Transfer Departments ). XXXX at Ally informed us that Loss Prevention would call us, that we could not initiate the call to them ( XXXX was WRONG ). Ally 's wire information states that wire transfers must be reviewed by them by XXXX XXXX  in order to go out that day. At XXXX XXXX  I received a call from Ally ( while I was shopping at XXXX ). They asked many questions, mostly about the receiving account at XXXX, information that I had already submitted via their on line wire transfer form. As I did not have that information handy ( at XXXX ), my husband had to call XXXX and have them tell us the information while we held our two phones together on speaker phone ( IN THE MIDDLE OF XXXX WHERE ANYONE COULD HAVE HEARD THIS CONFIDENTIAL INFORMATION!!! ) so the Ally representative could be satisfied. It is now XXXX XXXX  EST and the wire transfer has not yet gone. We started this process over a week ago. This is our money. It does not belong to Ally. I think that Ally Bank needs to be fined or punished for keeping a customers money long after they have requested it. In addition, the {$20.00} wire transfer fee should be reimbursed to us.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete 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 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 2022-11-15 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: NE

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete 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 XXXXXXXX XXXXXXXX XXXX XXXX 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 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 2022-11-15 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: IN

Complaint narrative:
This is XXXX XXXX XXXX an I am submitting my eleventh CFPB complaint in an attempt to notify the Credit reporting Agencies that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received an unsolicited credit card from Capitol One during the week of XX/XX/2022. It was mailed to my home address. I called Capitol One on XX/XX/2022 to let them know that this was an unsolicited card and that I did not apply for it. I asked that the account be closed immediately. Rather than closing the account per my request, they sent it to " investigations '' and will not be closing the card until their investigation is complete, which could be up to 90 days. When I asked for a phone number or website where I could contact them about the status of the investigation, they stated there was no way for me to do that. Additionally, when I asked which credit reporting agency they used to check my credit, they also would not provide that information. It should be noted that I have a freeze on my credit at all three credit reporting agencies and have had the freeze for years. I've checked my credit reports at all three reporting agencies since receiving the unsolicited card and there is no evidence that Capitol One checked my credit prior to issuing the card. I would like Capitol One to IMMEDIATELY close this account as I did not request it nor did I apply for the card.

Company response to consumer: Closed with explanation