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

Complaint narrative:
I am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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: IL

Complaint narrative:
I am a victim of identity theft. I noticed it is a lot of fraud and inaccurate information on my credit report that I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: VA

Complaint narrative:
In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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: VA

Complaint narrative:
In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act XXXXXXXX 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 In accordance with the Fair Reporting act XXXXXXXX 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not authorize these fraudulent inquiries to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XX/XX/XXXX Card was used in my name and falsified to open XXXX Called company to let them know about the fraud and they said they would take care of it. ( 4 hours of conversations ) Early XXXX I called back because they wouldn't close the account- they asked for identity verification and then asked for me to send IdentityTheft.gov paperwork faxed to them ( 3 hours of conversations ) XX/XX/XXXX : Faxed IdentityTheft.gov information and waited for result XXXX : XXXX sent letter closing my account but wouldn't remove responsibility for pay XX/XX/XXXX : Called them to ask what is going on and why this was declined. They refused to give me agent numbers, badge numbers, recordings, etc. It's impossible for me to trace any conversation we had without illegally recording myself. 
XX/XX/XXXX : They told me that the account was " Resolved '' but when asked to double check and what that means, they told me it's " Resolved '' and I read the letter from XXXX and they said " Yep! Resolved ''. After telling them I'm nott paying for something I didn't charge, they told me to send the same paperwork I already sent them back to them and wait 90 days. 

I'm trying to buy a house, move for work, etc. This is DESTROYING my credit to move. It's predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: IL

Complaint narrative:
Im having issue with obtaining my consumer report from Lexis Nexis. I spoke with XXXX ( ID # XXXX ) on XX/XX/22. I was informed that I asked for a security freeze on XX/XX/22 and I unsuccessfully attempted to order my consumer report on XX/XX/22 and again on XX/XX/22. They informed me that the request was unsuccessful because the information did not match. The irony is, they sent out a letter on XX/XX/22 to let me know my information did not match, XXXX weeks from the initial request, but this is the exact same information I provided to them on the phone on XX/XX/22. 

Furthermore, they claim that they sent the report out on XX/XX/22 ( after I spoke with them on the phone ) but I still have not received anything. After speaking with them on XX/XX/22 said they have submitted another request to send me the information I need to access the file. As of today, again I have not received anything from. From what I understand according to the FCRA I have the right to a free report once a year. With or without this report, I want any and all penalties to be enforced on this company. This has to violate every right that exists to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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 woke to find inquires that arent mine on my report and equifax will not remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

because the list of accounts below are not accurate. The open date, date last active, High Credit, Last Reported, Date of Last Payment. 

XXXX XXXX they did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XXXX someone was able to access our online banking through Wells Fargo, maxing out our company credit card with two large cash advances ( the car had a balance of XXXX prior to this event. ) They transferred money between our other business accounts, and make a fraudulent wire transfer to a stranger ultimately totaling a loss of {$24000.00}. 

We caught the fraud almost immediately, and reported it to Wells Fargo within 3 hours. Wells Fargo stated they would work to recall the transfer, and told us to wait 10 business days for a result. This was an agonizing period of uncertainty for us, and we were startled by the callousness and defensiveness of Wells Fargo, and their inability to provide us with any additional information. At approximately 10 business days, we received an unsigned form letter stating that our claim had been denied. 

It's estimated that we've spent approximately XXXX in the ensuing weeks attempting to rectify this situation, and reach someone at Wells Fargo who could give us more information and advise what other steps could be taken. ( See attached documentation of our communication. ) We feel like we were constantly being transferred within the call center, and not able to provide any information or gain a better understanding of what happened. From the best of our understanding, Wells Fargo maintains that the transfer was verified from one our our devices, therefore absolving them of all responsibility. We believe the fraud occurred when someone impersonating a Wells Fargo employee contacted us to report fraudulent activity on our account. Our communication with this " employee '' appeared to be in line with any and all previous communication we have had with Wells Fargo. We did not provide them with any sensitive information such as passwords or usernames, or any thing close enough to give them access to our account, but did read back a verification number at one point, which again seemed to be in line with previous communication. There has to be a more clear process for verifying such a large amount of money being sent from our account. 

Currently, Wells Fargo is holding us responsible for {$24000.00}, and in addition is adding finance charges and cash advance fees to our now maxed out credit card, which is now putting us over the limit, with a statement due. We are now concerned about the impact to our good credit that we've worked hard to maintain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11 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: TX

Complaint narrative:
to whom this may concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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: TX

Complaint narrative:
to whom this may concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
SquareXXXX is a credit card processing company for small businesses and XXXX XXXX, used for accepting payments. 
I work as a XXXX XXXX and I don't usually use SquareXXXX  as I typically only accept bank transfers as payment. I used it one time to accept a payment and my funds are now being held, which is causing undue strain on my finances. 

Here are the details of the incident : date of service/charge : XX/XX/XXXX description : a client wanted to pay their balance via credit card, and I used the SquareXXXX  app to accept their payment. 
amount : {$1000.00} On XX/XX/XXXX, the company SquareXXXX notified me via email that my account has been suspended and that my funds are being held for 90 days until XX/XX/XXXX. 

XXXX XXXX XXXX depending on these funds for my livelihood, it is not sustainable for my funds to be held for this long. 

XX/XX/XXXX : I called SquareXXXX  customer support and got an automated message that my account is deactivated and I am not eligible to speak with customer service. 

XX/XX/XXXX : I called SquareXXXX again, using somebody else 's phone as my phone number caused the automated message described above. 
I was told that there is nothing they would do to expedite the process of releasing my funds. 

I have a contract and deposit from the customer relating to this sale, SquareXXXX was only used for the balance payment. 

I would appreciate your help with this, as it is very difficult for me to have these funds suspended XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
TO WHOM IT MAY CONCERN, Creditor Garnishment ( XXXX ) is taking my money from my paycheck since XXXX??? 

XXXX. When first time XXXX XXXX XXXX where I still work, told me that " XXXX debt collector '' XXXX VA XXXX... want to steal money from my pay check, I talk with them on XXXX with XXXX XXXX XXXX XXXX. She told me about some my Bank of America debt that I made in XXXX??? I have NO idea about that debt ... Then XXXX XXXX told me about some my credit card debt in XXXX ( XXXX ) that I also do NOT know ...??? 

XXXX. So I send mail to Bank of America in XXXX and repeat all of this information. I told to bank that last time I talk with Bank of America before XX/XX/XXXX, when I was ready to go back to XXXX and I did NOT have plan to come back in XXXX. So bank know that I will never again use Bank of America credit card and I did NOT. Bank of America send me mail back and did NOT send me any proof that I made any debt to them??? Since XXXX I do NOT remember that I get any mail from Bank of America that bank told me about my bank debt and since then I throw away my debit card... 


# Agency contact : XXXX XXXX card service??? XXXX. ) Paid to XXXX Chain XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX?? 

XXXX ) {$870.00} on XXXX. ( start on XXXX )??? GOAL : {$10000.00}??? Start date XXXX??? ( Case ID : XXXX ) XXXX ) Paid toward lien : {$2100.00} ( last deduction date : XXXX. ) Case ID : XXXX ; * ( XXXX. ) Creditor Garnishment ( XXXX ) XXXX XXXX GOAL : more {$6700.00}??? ( For now on XXXX they took total : {$3400.00} from my paycheck??? )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: NJ

Complaint narrative:
i tried to have these false inquies removed and nothing was done

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