vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-12-02 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: FL

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Closed my XXXX credit card account due to fraudulent charges and non usage of card in XXXX. I was informed by mail that my account was closed. I assumed it was done with, as I have not used that card and did not plan to activate any accounts with this company. 
Upon checking my credit score I noticed there was a late payment on a past due balance of over {$100.00}. Called XXXX  customer service and I was told there was a {$19.00} balance for a second user activation fee. I explained the situation and the agent knocked off the late fees. I have paid the account in full, I have never been late paying my credit cards. So this is frustrating that because of that issue my credit score took a hit. I asked why I was not sent a letter of the past due balance, he said it was sent to my email that is no longer in use. I would like to know why 3 months later Im still dealing with an account that hasnt fully closed and why its marked on my credit report as late. How did {$19.00} balloon into $ XXXX? I would like this account closed, I am not sure why I am still able to log into this account as of today XX/XX/23. When it should not even be active. I refuse to speak to another customer service agent as the information given to me does not explain why this an account that is almost impossible to close. I have not used this card in over a year. On my credit report it is marked as 30 days past due. Which makes absolutely no sense to me XXXX  months later.

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 2023-12-02 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: MD

Complaint narrative:
I see unauthorized credit hits on my Experian report. 

XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-12-02 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: MD

Complaint narrative:
I see unauthorized credit hits on my Experian report. 

XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACI Worldwide, Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXCases Payment Amounts do not match what has been paid. Even with two amounts of {$65.00} there shouldn't be a difference so low. Today XX/XX/2023 at XXXX it shows an amount of {$1400.00} Current Account Balance. I just received from XXXX  on XX/XX/2023 that the amount that is owed since the Transfer from XXXX XXXX XXXX XXXX ( Case Number ( XXXX ) on XX/XX/2023 ). This amount would be {$1500.00}. My Father also sent me an email with an amount I sent him previously from XX/XX/2023 says an amount of {$1500.00}. All of my payments have been in the amount of {$65.00} and there have been at least 4 of them of which are contained within the account information. Which I have as well. If you subtract any of these amounts they just do not add up to {$65.00} paid on my card from the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: MS

Complaint narrative:
Unauthorized Credit Check, 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 2023-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602a emphasizes the importance of consumer reporting agencies handling their responsibilities fairly, impartially, and with respect for privacy. I, as the consumer, assert my right to safeguard my private information, supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. CAPITAL ONE, classified as a financial institution, must adhere to Section 604a ( 2 ) of 15 USC 1681, requiring consumer reporting agencies to furnish a consumer report only based on the consumer 's written instructions. 

I revoke any and all consent for XXXX, XXXX and CAPITAL ONE to furnish my information, explicitly stating that they lack my written consent. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information without explaining how the consumer can exercise the nondisclosure option. Capital One failed to inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including adverse information without authorization.

The law ( 15 U.S. Code 1681s-2 ( A ) ( 1 ) ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates agencies to maintain reasonable procedures. XXXX and XXXX are deemed non-compliant. Finally, according to 12 CFR 1016.7, it states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602a emphasizes the importance of consumer reporting agencies handling their responsibilities fairly, impartially, and with respect for privacy. I, as the consumer, assert my right to safeguard my private information, supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. XXXX XXXX, classified as a financial institution, must adhere to Section 604a ( 2 ) of 15 USC 1681, requiring consumer reporting agencies to furnish a consumer report only based on the consumer 's written instructions. 

I revoke any and all consent for XXXX, EXPERIAN and XXXX XXXX to furnish my information, explicitly stating that they lack my written consent. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information without explaining how the consumer can exercise the nondisclosure option. XXXX XXXX failed to inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including adverse information without authorization.

The law ( 15 U.S. Code 1681s-2 ( A ) ( 1 ) ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates agencies to maintain reasonable procedures. XXXX and EXPERIAN are deemed non-compliant. Finally, according to 12 CFR 1016.7, it states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have made a purchase of an XXXX XXXX from Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and I had applied for Apple Credit Card to take advantage of 3 % Daily Cash on Apple products, I did not like the phone so I had returned it 3 weeks after the purchase date exactly on XX/XX/2021. Here the problem happened when Apple refunded me they made a mistake on the statement bill of XX/XX/2021, they forgot to add a minus sign - to 3 % Daily Cash balance refund and they considered that balance as credit balance I owe them which is not true and they forced me to pay that balance to get rid from it. 
The price of the phone was {$83000.00} The 3 % of Daily Cash was {$2400.00} The wrong credit balance was {$2400.00} Because of that wrong statement bill my credit report got hearted because I travel a lot and I didnt expect that I have any money to pay them after I returned the phone to Apple Store but it wasnt the case and they sent to the credit bureaus that I missed the due date payment for 3 cycles which is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I found out that I have two evictions on my credit report which I have no knowledge about and it has been filed since 2017. I requested and provide all documentations to prove that shouldnt be on my consumer report, but it still hasnt changed and its preventing me from renting and getting credit insurance and more. Please help me investigate and delete all those false inaccurate information on my consumer report so that I can be able to rent a place to stay

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 2023-12-02 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: MS

Complaint narrative:
Unauthorized Credit Check, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a debit card with Wells Fargo and on XX/XX/23, it was attempted to be used for at least 6 unauthorized charges of {$50.00} through XXXX for XXXX credits ( only XXXX of the {$50.00} charges were successful ). I immediately responded to a text message I received from Wells Fargo asking if the charges were made by me, and I said no. I then immediately turned off the card and called the Wells Fargo fraud complaint line to ensure it was reported promptly and correctly. On XX/XX/23, Wells Fargo closed my fraud complaint and said there was no fraud, even though I immediately reported it as fraud, took all the steps to ensure no further charges were made, and have proof that the charges were not made or authorized by me. When I called the fraud complaint line to see if an appeal was an option, I was told I could file a police report if I wanted to take any more action, but that Wells Fargo would not be crediting my account for the 4 {$50.00} charges and that the complaint would not be labeled as fraud. I was not given an option to appeal this decision or told specifically why they didnt find it to be fraud.

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