vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a beneficiary account open in my name and social security number back in XXXX. I have not received a dime from this account. The payment is directly deposited into my mother 's account- the legal owner of her private account. As the beneficiary I am the legal owner of that beneficiary account. Wells Fargo knows of the rights and responsibilities when it comes to these type of accounts. I walked into the bank mid XXXX and spoke to an account manager. I explained the situation and the manager denied me of any information regarding the account. I was told since I was not the owner of that private Wells Fargo account they would not be able to disclose any information. The beneficiary becomes legal owner of the account automatically when the benefactor does. A beneficiary does not necessarily need to be closely related. The beneficiary may be a survivor that the benefactor chooses for whatever reason. There is no reason why the beneficiary should not be informed of this account. In XXXX I was attending community college XXXX XXXX XXXX XXXX I graduated in XXXX with a well earned XXXX gpa and transferred to XXXX XXXX that same year in the Fall of XXXX. XXXX XXXX is almost impossible to get into. There is no reason why this account should be kept from me. Slander and defamation -calling someone irresponsible- are not legally acceptable reasons to deny someone what is already theirs. I am requesting for the file related to the beneficiary account to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Please be assured that legal services will be sought after through Inspector General. I would like a full reimbursement for the back pay as one lump sum.

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 2022-10-07 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Genesis FS Card Services Inc., XXXXXXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called Genesis FS Card Services Inc., XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2022 my BJ 's Commenity Bank XXXX XXXX charged me interest of {$100.00}. I have my card paid in full and automatically debited from my account, so an interest fee is not even possible. When I called to report the error the representative told me I would received something in the mail about my complaint to begin to resolve it. Nothing has come after waiting two months. Very frustrated and looking forward to the agency helping me get my money back. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07 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:
In accordance with the Fair Credit Reporting act. The list if accounts below have 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 XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section XXXX states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 1681sXXXX ( a ) Section XXXX states : 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 2022-10-07 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-10-07 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX Date Updated : 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 2022-10-07 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: VA

Complaint narrative:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : Fair Collections and Out opened XX/XX/2022 for {$530.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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 ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My card was restricted 2 days ago for reasons unknown. They said fraudulent activity. I am on vacation with my family and have no credit card to check into hotel with. Stayed in a rest area last night and probably to night again also. Called them over 6 times to try and fix card. Sent them copies of license, soc sec card and bank statement to verify who i was and my address. Explained that my family and i are on vacation and staying in car until this is fixed. Everything is verified and I still cant get my acct fixed. They dont care. They read scripts and talk the same XXXX every time I call. Now that " everything is verified, the rep cant unrestrict it because the account manager has to verify everything and then call me.. Which I been waiting for hours for this call. I never had to deal with anything like this before, especially from a big company like Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-07 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: FL

Complaint narrative:
This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tunnell & Raysor, P.A.
State: DE

Complaint narrative:
An illeged debt in the amount of {$1600.00} was sent to the credit beauraus. The illeged debt was then disputed for inaccuracy and to validate ownership of the illeged debt via original signed contract which was never furnished. The illeged debt appears to have originated with XXXX XXXX and then sold to debt buyer XXXX XXXX XXXX. The debt buyer then illegally tried to collect of the illeged debt, and eventually filed a lawsuit unbeknownst to myself as the address associated with the debt is incorrect. I only learned of this as my employer has informed me of a wage garnishment set to start next week. The lawsuit No. XXXX has cited an orignal illeged debt amount of {$1600.00} which differs from that which was falsely reported to the credit beauraus, which is a violation of my consumer rights. The attorney XXXX XXXX, who is attempting to collect the debt is also in violation of several laws, as he us acting as a debt collector. I have listed the violations below and request that ALL communications and attempts to collect this elleged debt be ceased immediately a d removed from all credit reporting agencies. 

1.Pursuant of Rule 60 ( A ) ( B ). Original alleged debt In the amount of {$1600.00} was sent to the credit beauraus. Illeged debt was disputed for inaccuracy and proof of debt validation ( original signed contract ) which was never furnished. XXXX XXXX XXXX. XXXX states original debt I'm the amount of {$1600.00} which is completely inaccurate. 

XXXX of United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX And XXXX v. XXXX XXXX XXXX XXXX. XXXX L.. XXXX. XXXX. XXXX XXXX. Attorneys can't testify ; statements of counsel in brief or in oral argument are not facts before the court. 

XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX. XXXX A. An attorney for the plaintiff can not admit evidence into the court. He is either an attorney or a witness, '' and, " Statements of counsel in brief or in argument are not facts before the court. '' XXXX of XXXX XXXX XXXX XXXX S.Ct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al., Petitioners, v. XXXX XXXX XXXX No. XXXX. Supreme Court XXXX XXXX XXXX XXXX XXXX lawyer who regularly tries to obtain payment of consumer debts through legal proceedings meets the XXXX 's definition of " debt collector '' : XXXX who " regularly collects or attempts to collect, directly or indirectly, [ consumer ] debts owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: AL

Complaint narrative:
Account XXXX wasnt in my contact the amount

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 2022-10-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has the same address on file for both my account AND my online account profile. I have informed them that my credit report has not been refreshed since XXXX of this year, even though I should get an updated credit report from them every twenty four hours. They apparently dont listen to me are just ignoring me. I need this issue to be resolved ASAP. And please refresh/update my credit report please, as it wont allow me to do this online. 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