vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercari, Inc.
State: VA

Complaint narrative:
Last month I listed my beloved camera ( {$450.00}, most expensive thing I've ever sold ) on Mercari, sold to a buyer ( now that I look back, they had a XXXX deal history XXXX  account ). They claimed an empty package after receiving and asked to cancel the order. 

Mercari within 1 hour permitted cancelling the order and limited my account, even though I've previously sold XXXX deals on Mercari , all XXXX star ratings. 

I submitted my argument and shipping receipt ( clearly shows the package weighs XXXX lbs ) as proof, arguing that not only is the buyer the actual fraud, it is also unfair to just hear one party 's word and decide the case. 

Mercari replied with saying they are taking my case to the Payment Team ( which only works in week days ) for a second review. Not a single word in the following two business days. On the third day ( Saturday ), I got an email saying my account was closed. Later I argued again, Mercari replied by saying my account was limited and therefore " is ineligible for reinstatement ''. The sheer ridiculousness of this claim is mind blowing, it's like saying I killed you so you can't really blame me since you're already dead. 

So my camera is gone to a fraud, I didn't get any money, my account was colsed, Mercari did not investigate at all. The promised shipping insurance was never brought up. They didn't help provide the buyer 's address, which blocked my hope to take this to their local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
between XX/XX/XXXX and XX/XX/XXXX on XXXX separate charges a total of {$17000.00} was STOLEN right off my card- by making balance transfers. 

I have demanded an explanation of how this could happen as this card was ONLY in my name. I have received no response. 

I have repeatedly demanded XXXX the IP addresses of all of the withdrawals XXXX. Where my money was transferred to- account details XXXX. Exact Dates and amounts of when the money was moved I am getting NO answers. Citigroup has NO sense of urgency. 
Please help asap. 
Thank you so much 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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX capitalone sold my private information such as name dob, ssn, and banking info. Because of this hackers got into my account and made many fraudulent charges. Capital one advised me to close the account and open a new one so I did. My irs refund was programmed to direct deposit into the closed account. The stimulus money given out at the end of XXXX was set to deposit to the closed account. Capitalone informed me that the money would be rejected and returned to irs. Upon communicating with irs their records show capitalone accepted payment for stimulus funds and did not reject the payment. I have yet to receive my $ XXXX. 

In XXXX capitalone was brought to litigation and were suppose to inform their clients of such litigation they failed to notify me and payouts have already gone out. Ive attempted to resolve the issue with capitalone one but they said that I have missed the deadline and there is nothing that can be done other than offer me 3 years of credit repair services for free. 

Currently the state of Az is sending out a rebate to qualified applicants for XXXX in the amount of {$750.00}. The payments will be deposited into the account listed as payment for XXXX tax refund and as I stated before capitalone was suppose to have closed that account years ago. I still have not received my stimulus money or current Az rebate. 

Today I called capitalone to close my account and let them know my issues the representative stated she was going to help me but instead left me on hold then hung up on me. They are refusing to close my account or return my money to me. Or rectify the situation in regards to not notifying me about litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting that I have debt and collections with them when thats absolutely incorrect. I spoke to the collection agency and told them its incorrect and they should contact XXXX. I also spoke to XXXX and they stated it was a billing error and I also reach out to Experian and its still on my credit report affecting my score and hurt me financially.

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 2023-11-15 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: NC

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX 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 2023-11-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
PLEASE ASSIST ME WITH THE REMOVAL OF THE FOLLOWING ACCOUNT CURRENTLY BEING REPORTED ON MY CREDIT REPORT THAT DOSENT BELONGS TO ME THANKS.

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 2023-11-15 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: CA

Complaint narrative:
I reviewed my Trans Union Credit report and found an account, XXXX that was opened in my name that I did not authorize. I contacted Transunion and disputed the account as fraudulent and also submitted a FTC complaint report. I requested to have this fraudulent account removed from my account, but they reported it back as accurate, when I reported that I did not authorize opening this 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 2023-11-15 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-11-15 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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:
1. XXXXXX/XX/XXXX- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. XXXXXX/XX/XXXX response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 XXXX XXXXXX/XX/XXXX, XXXX XXXX system denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file. 

5. XXXX card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX Equifax Data Breach ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the XXXX XXXX only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX EQUIFAX DATA BREACH '' 6. I submitted and provided all Identity Theft reports to XXXX XXXX but they ignored them. 

7. XXXX XXXX and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
1. XXXXXXXX XXXX XXXX- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. XXXX card response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 . XXXX card, XXXX XXXX system denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file. 

5. XXXX card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX XXXX XXXX XXXX ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the XXXX XXXX only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX XXXX DATA BREACH '' 6. I submitted and provided all Identity Theft reports to XXXX XXXX but they ignored them. 

7. XXXX XXXX and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.

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 2023-11-15 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: MA

Complaint narrative:
This account does not belong to me. A similar account was removed recently from my credit report which seems to reappear again.

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 2023-11-15 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: MA

Complaint narrative:
This account does not belong to me. A similar account was removed recently from my credit report which seems to reappear again.

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 2023-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Account Number not listed on report, please see attached credit report ) 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 a 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 explanation
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-15 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: DE

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
SEE ATTACHED DOCUMENTS

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 2023-11-15 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: GA

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 explanation
Consumer complaint received 2023-11-15 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See document attached

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 2023-11-15 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:
PLEASE ASSIST ME WITH THE REMOVAL OF THE FOLLOWING ACCOUNT CURRENTLY BEING REPORTED ON MY CREDIT REPORT THAT DOSENT BELONGS TO ME THANKS.

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 2023-11-15 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 ASSIST ME WITH THE REMOVAL OF THE FOLLOWING ACCOUNT CURRENTLY BEING REPORTED ON MY CREDIT REPORT THAT DOSENT BELONGS TO ME THANKS.

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