vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2024-05-24 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:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following 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 2024-05-24 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 troubled by the presence of XXXX XXXX on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX Reported a fraudulent charge on my account. Asked for a new card to be issued. Card never received. 
XXXX XXXX XX/XX/XXXX : requested 3 more cards all which were shipped to address that was not mine and charges continued. Bank of America never blocked any transactions event though I told them I did not have a card and I had no access to account. 
Was told that claims would handle it just to continue to report charges that were not made by me. 
XX/XX/XXXX : Bank of America would no longer discuss account with me because they could not verify ID. 
XX/XX/XXXX : was finally able to prove identity to regain access to account. Claims were instantly denied. Stated I had not provided any new evidence, so I completed another police report about the charges and provided that to bank of america, also went to bank of america location and provided proof of residency via USPS confirmation letters to prove I was not at location cards were being issued to. Have fax confirmation from location that all forms were received and attachedbto claim. 
XXXX XXXX XX/XX/XXXX claims closed multiple times because no new evidence denied hardship but reimbursed international ATM fees on som e charges. Claims denied due to not all transactions after XX/XX/XXXX ' were included in original claims. 
XX/XX/XXXX ' - contacted bank of america to see why claims were denied this time and spent 3 hours with an agent opening 2 more claims for transactions other customer service reps had missed in initial claims. The next day all three claims denied for no new evidence. I explained what more can I provide I have filed police report, proof that cards were not being mailed to me and all they say is it shows a trend in spending, even though they are aware it wasn't me spending. Bank of America states they had no idea this was happening but I have a letter from them reimbursing original claims from XX/XX/XXXX. State that I did not due diligence for claims and they have no record even though cards were being issued. I said that's stupid why would I request a new card if I hadn't filed a claim. Bank of America is still in XXXX denying my claim even though my account was XXXX liability if reported within that statement time which I did and have documents to prove. Total claims over XXXX by their 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 explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, want to clarify that this message is being sent independently and not on behalf of any third party. Recently, I scrutinized my credit report and was deeply troubled to find unverifiable, invalidated, inaccurate, and questionable entries. Your agency, entrusted with ensuring the accuracy of consumer reports, has failed in its obligation to guarantee the complete accuracy of reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, want to clarify that this message is being sent independently and not on behalf of any third party. Recently, I scrutinized my credit report and was deeply troubled to find unverifiable, invalidated, inaccurate, and questionable entries. Your agency, entrusted with ensuring the accuracy of consumer reports, has failed in its obligation to guarantee the complete accuracy of reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Both my ATM and credit cards have been compromised by false transactions involving questionable arithmetic in order to explain incorrect balances. 

These fraudulent transactions involved Account # XXXX, Account # XXXX, Account # XXXX ( # printed on card ), as well as Account # new replacement credit card # of which I have not yet received

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought a vehicle from XXXX XXXX, which gave me a contract in a USB drive. After I tried obtaining the contract from the drive I was unsuccessful. I reached out to Wells Fargo multiple times and the contract was sent in an encrypted email that I could not open or there was no attachment. After several attempts to obtain my contract, one of those attempts the rep asked why didn't I obtain it from the dealership, in which I stated if you are my lender you should be able to provide it as well. I requested my contract because I was making weekly payments towards my loan, and i was making over the payments a month which were not being applied towards the principal of the loan. After many payments I reached out to Wells Fargo and asked why weren't my payments applied to the principal and the rep stated I had to be ahead XXXX payments in order for them to apply my overages to the principal. It was then when I began requesting my contract. When I was able to read my contract, it did not state that anywhere in my contract. I called them back and asked where in the contract it stated that information and the rep stated it was not on the contract, it was their policy. I requested a copy of that policy and it was never provided. I am being reported late, during the time i have been trying to obtain the contract and their business policy which brought my credit score down XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
I recently looked at a review of my credit report, and I have noticed I have become I victim of identity theft. Plenty of accounts I do not open causing me to have trouble in my financial aspect of life. I request that you please remove these unauthorized accounts of my account immediately, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There isnt a balance for this account, but is saying that I have XXXX late payments. This account was last updated in XXXX of 2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: U.S. BANCORP
State: OH

Complaint narrative:
Since XX/XX/2020 I have been fighting with US Bank ReliaCard my pua which was put on a US Bank ReliaCard was compromise from XX/XX/2020 to XX/XX/2020 for 4 years now I've tried to get my money it was compromised for over {$18000.00} all of the transactions were done over the internet and out of the country they have ruled it not fraudulent but the problem is I called all the vendors and the vendors told me that they had to receive paperwork from US Bank ReliaCard saying that I had filed fraud on the transaction and that they could not reimburse my money because I could double dip and get money from them and US Bank ReliaCard I have written letters I have submitted paperwork I have done everything that I need to do on my end and I am getting absolutely nowhere I just talked to them the other day and they told me someone was supposed to call me back within 3 days no one has called me they have my correct phone number they have my correct address I made sure that I need my money it almost bankrupt me I received pua but I never got to spend any of the money I ordered new cards every time I got a transaction but the problem was the hackers had my routing and my accounting number so getting a new card did not do me any good because my account was still being hacked when I had a new card in the mail will you please help me get my money I really need it the email that is touched to my account is XXXX, the phone number attached to it is XXXX and the address is XXXX XXXX XXXX XXXX Ohio XXXX thank you I hope you can get my money back for me cuz I truly need it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CT

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CT

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I want to settle XXXX % of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I would like to apply code 15 Usc 1681 to all of these creditors on my credit report and also to these hard inquiries on my credit report. Thank you. 

Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting this account late and not providing me with documentation to support this false claim. Under the FCRA, they are required to provide supporting documentation otherwise they must delete these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
Several phone calls were made to FISERV between XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX notified me that my BillPay account was inactive due to an old XXXX XXXX XXXX account from XXXX. They instructed me to call FISERV to get additional information on the XXXX account. The phone number XXXX has a recording that says XXXX XXXX pay was an option online. The recording also states you can press XXXX to make a payment over the phone. So I entered my SSN and the last XXXX of my XXXX account number. The recording then said my XXXX account was active and no monies were owed. The ONLY " proof '' I have received about this debt is from the FISERV reps, who consistently refused to provide written proof of the debt when I requested it. If FISERV is trying to collect a debt, they are required to provide proof of monies owed when it's requested. I also do NOT feel comfortable giving my debit card information to a random representative ; I have a pending case with the XXXX XXXX Police Dept for a recent occurrence of identify theft. 

The XXXX response I received on XX/XX/XXXX claims they only keep records for 7 years so they can not provide information. Then proceeded to provide a phone number for XXXX XXXX XXXX. The account in question is tied to XXXX XXXX XXXX. If this debt is from XXXX, what is the statue of limitations for collection? This is a XXXX XXXX XXXX debt. 

Video proof of the FISERV recordings are immediately available if requested. Will also provide a lease agreement, showing my dates of residence at the address on file.

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