vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 2023-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Comenity Bank/Ulta acct # XXXX has violated my rights on XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Gitsit Solutions, LLC.
State: GA

Complaint narrative:
Applied for Home affordability grant on XX/XX/XXXX while in a forbearance with XXXX XXXX XXXX XXXX transferred servicing to Git Sit Solutions LLC on XX/XX/XXXX There were payments in held suspense with XXXX  which were requested to be applied but were not. 

We requested a reconciliation with Git Sit XX/XX/XXXX as the amount due was inconsistent to our records and provided notice of application and underwriting of Grant XX/XX/XXXX : Git sit reported negative and inaccurate information to Bureaus on outstanding balance and XXXX  days late XX/XX/XXXX : We provided Git Sit detailed banking records and transacted payments with XXXX  and requested the disputed information being reported to be verified XX/XX/XXXX : provided Git Sit with timing to receive fund proceeds XX/XX/XXXX : Funds transacted to XXXX XXXX XX/XX/XXXX : Funds Posted to servicer. Git sit reports second derogatory trade information to bureaus with updated loan balance INCREASING by {$1200.00} XX/XX/XXXX : Request refund of allocated funds held in suspense. Git sit notifies me the funds were received from the transfer with XXXX mortgage XX/XX/XXXX and posted to the account XX/XX/XXXX Notified servicer of inaccurate information being reported while loan current and while in dispute. Filed complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 603 ( 2 ) i : States a costumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C. 1681section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instruction. 15 U.S.C. 1681e ( b ) states reporting agency shall follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
this complaint is in regards to my Capital One Quick Silver Card ending in XXXX. 
Capital one keeps flagging my account for fraud when i make my CC payments every week or every other week to avoid interest. And of course get my 1.5 % back. 
they placed my card on hold on XX/XX/XXXX. l called them and had a 3 way call with my bank to verify it was in fact my bank account. Mind you, it's the same Cap 1 card and same bank that i have been making payments on for over 2 years. 
They placed my account on hold again for the SAME exact reason this week on XX/XX/XXXX. 
Once again, its the same credit card and same bank account. They are refusing to unlock my account. I asked the fraud department to look at my history. let them know I had already verified my account. but they refused. I asked for a XXXX and was not allowed to speak to anyone else. Employee I spoke with was XXXX. Employee number XXXX. 
I believe this is a ploy to get me not to pay my account so frequently so I can accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
I was contacted at work by someone at Mandrick Law Firm about a credit card debt XX/XX/2023. They also did not send a letter of verification to verify the debt before filing a lawsuit when I asked for it. The charges state in the suit that the card was charged off and no debt owed yet they are trying to garnish my wages anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I called cash app customer service on XX/XX/XXXX to help me with a deposit from my daughter of XXXX. The person on the phone went so fast and had me clicking here and clicking there and the next thing I knew i looked into my bank acct and noticed the cash app customer service guy did transactions of 2 both at XXXX each to bitcoin and some guy named mark. once I felt uncomfortable with what was going on with this phone call I disconnected the call. noticed the cash app guy made it look like i sent the money to my daughter and myself which i have no record or dont do bitcoin i immediately Called chase bank to inform of the scammed and fraud transactions and what happened. The guy tried calling back multiple times to " help me get my deposited money through cash app. after multiple calls from this guy I finally answered the call and told the guy that he has been reported and stop calling me he is a fraud and scammer and he should be ashamed of himself. He then texted me cursing at me and at the end of the text he confessed to taking my money. contacted cash app and they said because he sent my money to bitcoin that this was irreversible and they could not do anything about it. I have screen shots showing this guy tried multiple transaction through cash app and some failed but the he was successful in scamming my money. I thought I was calling cash app customer service not realizing this guy scammed me out of my money. I just want this guy to get caught and suffer consequences so no one else will get scammed. and get my hard earned money returned to me. 
contacted police, my bank and cash app no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was closed they never gave me a reason they don't want to give me my funds They give me run around call Customer service is what they say I called customer service and they tell me the manager needs to talk to me but no!! He says to talk to representative I need help getting my money I'm going to stressful times of being unable to get access to my funds I can't concentrate at work it wearing me down I got bills to pay it's been over two months no money has been released or no check has been processed help me get my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I ordered 60 lawn chair repair straps and matching clips, 10 extra clips and 2 cans of paint from XXXX XXXXXXXX XXXX XXXX XXXX on or about XX/XX/, for a cost of {$160.00} ( which included {$33.00} XXXX XXXX XXXX. ) They acknowledged the order. I followed up with them by their online chat service, by email, by text messages and by FAX, asking if they were going to fulfill the order. All I received was a single phone voicemail with some kind of apology. Eventually, the company sent one single strap, the ten additional clips, and the two cans of paint I disputed the charge with my bank, Wells Fargo. I provided Wells Fargo with a full documentation of all my efforts to get my order. Wells Fargo contacted the company, which responded by falsely stating that THEY had tried to contact ME about the length of the straps, but in their response they not only admitted they never sent the remaining 59 straps, but they included a copy of the invoice which has MY comments stating that I -- not they -- I had tried to contact them many times about the length of the straps, thereby disproving in their own evidence their false claim to my bank. The company provided no other evidence they had done anything to contact me, though they surely have copies of their own chats, wherein I repeatedly tried to contact them and confirm the length of the straps. Since I have received part of the order -- though the paint is useless without the straps -- I offered to compromise and reduce the disputed amount by the cost of the paint ( {$16.00} ) but not the {$33.00} in shipping for the whole order. Wells Fargo conceded on the phone it was obvious the company had not sent the ordered straps, and that my comments on the company invoice, as well as a shred of supporting documentation to back up their assertion that they tried to contact me, as well as my comments on their own invoice, showed the company was at fault for not sending the remainder of the order. Despite all this, Wells Fargo has now denied by disupte, says the COMPANY has accepted {$140.00} -- the cost of all the straps ( {$100.00} ), which they never sent ) and the entire shipping and handling cost ( {$33.00}, even though all they sent was 2 cans of paint, 1 strap and ten tiny clips ). Wells Fargo thus has denied my dispute and refuses to provide any appeal or redress. They reached the exact opposite result, despite a complete absence of evidence in the company 's favor, and won't do a thing to fix their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In 2019 my mother in law signed up for lowes credit card, she purchased appliances, before I was added. I was in back getting wood for the project. When I got to the feont she asked me if I wanted to be authorized user. I asked why she said so if I need to grab anything for her house when I'm out and about. We called the number again and a lady recorded me on a scripted questionnaire thing to add me. She said joint owner I said no authorized user. She had to start the process over. Second time she said authorized user. I was added. I verified at the end I was authorized user. If I go to lowes without card in hand they can't find it when searching my creditentials, they can find it with my mother in laws creditentials. When we call into XXXX XXXX  they want her to authorize me to talk to them. On their site shows me as authorized user. Every which way I go I'm an authorized user. I went to remove myself from account and they said no because I'm a joint owner. Spent 2 hours on phone with 3 separate people. I had no option but to close account and destroy my credit of 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 2023-09-15 00:00:00
Product: Credit reporting 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: DISCOVER BANK
State: CA

Complaint narrative:
I began using the Discover student credit card about 6 months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my XXXX or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within three months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that Discover might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with Discover, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: LA

Complaint narrative:
Lendmark Financial in XXXX XXXX has repeatedly called me, my place of employment, my relatives over and over and over. When I contacted them to tell them to stop, they said I should have told them I'm in a debt collection program. But as per instructed by my debt collection company, XXXX XXXX, I was not returning calls. But it got to the point of harassment. When I said, I didn't have to tell them and to send it to collections if they have to and the company would take care of it, she said it would be too late by then. XXXX, at the location on XXXX XXXX I believe said ok, we'll go ahead and send it to our attorneys and they'll garnish wages or whatever they have to and continued talking over me. I told her in a not so nice way to stop talking. I said one profane word and she said " oh, aren't you a teacher '' as if threatening to call my work and report some sort of behavior. This is ridiculous. I'm not sure how people like her even get in supervisor roles. The number to my debt relief company was updated to my profile for Lendmark Financial, yet, they have not called that number and continue to harass me at work, personally and my relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
. I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Opened XXXX XXXX LVNV FUNDING LLC {$430.00} My personal information was sold to this company and that is a violation to my FBRA rights

Company response to consumer: Closed with explanation