vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: OK

Complaint narrative:
My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

TRANSUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION 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 2022-08-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX Account 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

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 2022-08-10 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: OK

Complaint narrative:
I have told XXXX XXXX this not my card and I have told portfolio and they refuse

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 2022-08-10 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: OK

Complaint narrative:
I have told XXXX XXXX this not my card and I have told portfolio and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: OK

Complaint narrative:
I have told XXXX XXXX this not my card and I have told portfolio and they refuse

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 2022-08-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
1st complaint I have late payments on all 3 credit brureaus from Creditor = Comenity Capital bank/Ulta in 2020 I lost my job due to COVID- I explained to the creditor the hardship that I was going through, they stated late payment were going to be forgiven, but I recently started to monitor my credit and I noticed my late payments were reported to the credit Bureaus, I called ulta and they directed me to dispute it to the credit bureaus I submitted dispute letters and explained that I went through a national disaster and I checked the status of my dispute letter and they were not deleted so I am asking for help about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OK

Complaint narrative:
On XXXX, a background check was requested by XXXX and issued by First Advantage, XXXX XXXX XXXX. It was completed the same day, and the information regarding my SSN is wrong. It says that my SSN was never issued and does not belong to me. All other information is correct, and the SSN is mine. They claim there is a high probability that the number belongs to another consumer, and that there is no record of my SSN. I have my SS card with me and I know that there was no mistake when I put it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I started receiving emails from CapitalOne on XX/XX/XXXX. One was to congratulate me for opening a XXXX XXXX XXXX, two others to tell me my phone number had been changed. On XX/XX/XXXX and XX/XX/XXXX I got two more emails urging me to finish setting up my account. I kept the emails in a separate folder, but assumed they were phishing attempts. These emails do have meta data identifying them as coming from capitalone.com I received a debit card on about XX/XX/XXXX. I began to regard this as something other than phishing, and realized somebody had actually opened a checking account at CapitalOne. I called the number on the back of the card, proved who I was to the satisfaction of the card fraud department, and they cancelled the card. I shredded it. 

I continued to get emails encouraging me to deposit money in the account. I received a letter from CapitalOne dated XX/XX/XXXX that my account had been closed, and on XX/XX/XXXX received a bank statement with a XXXX balance. 

I can't figure out the angle here, and have come to believe that somebody at CapitalOne has opened the account in my name for reasons unknown. 

I have never had an account with CapitalOne, nor have I ever applied for an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 around XXXX I tried to make a {$200.00} payment with XXXX XXXX bank Wells Fargo blocked the the transaction. 

I had to pay a person not a business. So, I paid the person cash. I drove home it took me about 4 hours. I called Wells Fargo at approximately XXXX and told them that the transaction was authorized by me but that had already paid the person. 

The following day I noticed a {$200.00} payment to the person I had already paid. 

I went through XXXX XXXX and Wells Fargo procedures to get the matter fixed. Wells Fargo refused to give me my money back. It's their fault they didn't need to block my card and when I told them they sent the payment anyway. 

After I asked them why they sent the payment they said it was on me find the person I paid to get my money back. How come they didn't say this when I told them not send the payment?

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 2022-08-10 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: AR

Complaint narrative:
I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave XXXX, transunion, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to transuion, XXXX and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This company continues to send bills for services that were not used for our business!! This was cancelled over a year ago and they continue each year by billing my company with threats! Emails have been sent for confirmation and received! Always around tax time they try to reopens cases

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Two charges were disputed 1. Was to XXXX on XX/XX/XXXX for XXXX XXXX. Was XXXX on XX/XX/XXXX for XXXX. I disputed both these transaction as fraud. Goldman Sachs did not file the dispute for either charge when I called. They issued me new card numbers when I called in XXXX and XXXX. I had to call back again on XX/XX/XXXX to find out no dispute had been submitted. On XX/XX/XXXX a representative told me they had not been submitted. I transferred to a supervisor who changed the story and told me they had, but couldnt explain why I hadnt received any information on the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
To Whom It May Concern, Please remove the SECURITY FREEZE from my Consumer report. I'm writing to you to request this. You must abide by the provisions of the Fair Credit Report Act. I'm aware that some kind of identification verification will be required by your business to confirm my identity.

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 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover Bank uses unfair lending practices to deny credit to consumers. I applied for a debt consolidation loan on today and was instantly approved. After completing the application, authorizing them to complete the hard pull on my bureaus, and providing my account information for the accounts I planned to pay off, I was informed by the rep XXXX that my loan was declined. As a licensed lender, I was surprised that my loan application was declined since I have exceptional credit history and the means to repay the loan but the reason does not make sense from a lending standpoint. I am a victim of identity theft and have alerts on all of my bureaus that state whenever a credit inquiry is to be made on my SSN, I am to be contacted by phone ( at a number I have had for over 20 years ) for verification which I have never had any issues with until today. I was told that when my bureaus were pulled, my phone number is not reflected in the fraud alert ( which I know is there ) and that Discover is protecting me, the victim, by declining the loan. I have never heard of such a reason in all my years as a lender and there is no secondary procedure for a person who is a victim ; the rep also mentioned that Discover was having issues with the format of their reports that they received on the recorded line. I feel that Discover is using a bs excuse to unjustly deny credit to those who qualify according to their matrix and is horribly designed to promote prejudice for people who did not choose to be victims but chose on the other hand to protect themselves. I also personally called the bureaus to verify my alerts and the information listed within the statements only to be proved correct as I am very organized and aware when it comes to handling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have unauthorized inquiries on my credit report. XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/1985 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

Your failure to positively verify these accounts has hurt my ability to obtain credit which has cause me duress and stress which is a direct violation of my rights in regards to regulations involving the practice of debt collection. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
Called my Fico whom i have credit monitoring with. My mortgage fico score decreased sharply on both equifax and XXXX. XXXX points. I spoke with a manager and a representative and no one is able to figure out why. The explanation is that this is the algorithm. I am a mortgage underwriter so i understand credit reports well. I have paid down my credit cards, have no large amount of inquiries nor have any late payments in the past 4 years. For some reason no one can explain this decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not
communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX 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 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I made a phone called on todays XXXX 
The person who handled my collections acct was very rude, misbehavior and blaming its my Acct on collections Im trying to let her know Im the victim of theft and not myself was do the collections Shes represented a company Put my name on collections and very seriously..

Im calling because of the victim of fraud Shes still trying to tell me its my own collections Even I said I have a police report shes still denial that police report shes keep reading out the debt of collector.. 
These business need to understand if I filed a Attorney and asked my damages who have to paid for it Some company turned to used abuse language and fault words but they should be aware about the FACTS not their opinion Putting my name on collections its not true and right I hope everyones should be looking this company Called Procollect collections agency Phone or fax XXXX XXXX XXXX Or email XXXXXXXX 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 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
RBC , Inc has been attempting to collect a debt that is not mine. I have sent previous mail back. The debt is for XXXX XXXXXXXX XXXX  XXXX. I have never been a patient of or received services from XXXX XXXXXXXX XXXX XXXX. The amount owed is stated as {$160.00}. Their contact phone number is XXXX. I am attaching a copy of the latest debt collection attempt that was sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NJ

Complaint narrative:
XXXX is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand XXXX remove two collections accounts, late payment inquiries and hard inquiries 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 2022-08-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation