vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: PA

Complaint narrative:
Please see documents Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have an account currently listed on all three of my credit reports listed as WF/FMG with a current balance of {$1100.00}. This account was apart of an ongoing lawsuit with wells fargo company with creating fake accounts and credit lines. I have reached out to Wells Fargo on numerous occasions to let them know this account did not belong to me and asked them to remove this from my credit report. This account is listed as closed on my credit report but is reporting past due when this account does not belong 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account # XXXX I have been a Capital one customer since XXXX. 
Capital one charge me {$39.00} annually membership fee. 
capital one makes a lot of money from me in inters rate. 
Recently I have been paying off every month the charges the I made. 
but in early XX/XX/XXXX capital decided to close my account. 
they wait until I max out the credit card. 
They claimed that I did not talk to I customer serve rep right and the conversation was from in XX/XX/XXXX. 
So why they didn't close the account from in XXXX are XXXX. 
And they did have the decencies to inform me, so I don't used the card. 
I find out when XXXX alert me that my account was closed. 
by capital one closed my account my credit score went down by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: FL

Complaint narrative:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX  XXXX Balance : {$130.00} XXXX XXXX  XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$130.00} Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.

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 2023-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.

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 2023-03-03 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: CA

Complaint narrative:
Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX  XX/XX/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 2023-03-03 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: MD

Complaint narrative:
This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/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 2023-03-03 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: MD

Complaint narrative:
This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report , and has been well over 4 days since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I pay my bills via Chase " bill pay ''. On XXXX XXXX XXXX I paid a vendor, XXXX XXXX the same way that I have paid him monthly for the last ten  years. Of all my bill payees, this is the only one that is an individual private company as opposed to a large corporation ( utility company , insurance co, credit card co, phone co, etc ). The payment for this vendor has always been sent as a hard copy Chase check to his home address. I went into my account, selected " bill pay '', entered the amount, checked that it was withdrawing from the proper checking account and clicked " pay ''. 

A month later, the vendor came to me to tell me that he didn't receive my May payment of {$1400.00}. I looked at my online banking and after careful scrutiny, saw that it went to an email address XXXX via XXXX. The vendor told me he does not have an email address associated with his business and doesn't know whose email that is. CHASE or XXXX assigned that email address, not me! 

I went to my bank branch where I have had a long standing relationship and they told me unfortunately there is no way for Chase or XXXX to trace a transaction once it is sent and that I probably have no recourse! They told me to file a complaint with the Escalation Dept. of Chase. I filed the complaint and after several months, they let me know that there is nothing they can do and that by me clicking on " pay now '' when entereing the transaction, I authorized the transaction and absolved them of any wrongdoing. I was not satisfied with the outcome, so they told me to call the Chase Executive Office and file a complaint, which I did. After more that a month, without anyone contacting me for any further details or discussion, they left me a phone message that my inquiry and case is closed.

If you look closely on the attached document, there is a very small " z '' is next to the P icon for that vendor ( attachment 2 ), meaning it can go via XXXX. It wasn't there several months prior ( last 3rd attachment ). Chase added the unknown email address to make it eligible for XXXX. Chase 's menu choice for " pill pay '' and " XXXX ' ARE THE SAME MENU. I DID NOT choose " XXXX '', it chose for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX {$460.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX FCRA Violation  : other loan not mine XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}

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 2023-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

In accordance with the Fair Credit Reporting act. The List of accounts AND INQUIRIES 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  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 2023-03-03 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: GA

Complaint narrative:
As a consumer I have a right to an accurate credit file. The inconsistencies on my credit file dealing with this account are unacceptable and are obvious.

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 2023-03-03 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: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
XXXX and Bridgecrest several times keep violating my consumer rights I never received goods or services from this company. I have told both Bridgecrest and XXXX several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both Bridgecrest and XXXX state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... 


This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: DISCOVER BANK
State: MD

Complaint narrative:
This Discover Bank account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well XXXX  complaint # XXXX Id theft report # XXXX affidavit of truth also submitted to consumer reporting agency Inquires Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

Account name : XXXX # XXXX, Account name : 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 to any containing any of the following items of information. Any other adverse items 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 2023-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
on XX/XX/2023 American car center closed. Left their consumers high and dry. On Social media I found out that XXXX XXXX XXXX took over. XXXX has never made contact with me. I believe that American Car Center scammed and broke their contract with me. Not only that I have a list of items wrong with the vehicle they refused to fix. I believe this is wrong on so many levels. I would like the title to my car and my money back. I made all my payments on time. I never missed a payment. So I hope you can help me. The contract itself has a lot of holes in it. if you need anymore paperwork let me know

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 2023-03-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 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

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