vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: GA

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( HR12 ) - ( BS-7 ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXXXXXX XXXX  XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXXXXXX XXXX  ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXXXXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( HR-12 ) - ( HR-8 ) 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 2023-06-13 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: GA

Complaint narrative:
To whom it may concern : XXXX XXXX box XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( HR12 ) - ( BS-7 ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2023 Western Union charged my debit card a total of {$2600.00} for six money transfers to XXXX XXXX I never authorized. When I called the company to report these unauthorized transfers they refused to reimburse my account. The transfer numbers are as follows : XXXX ( {$950.00} ), XXXX ( {$940.00} ), XXXX ( {$170.00} ), XXXX ( {$180.00} ), XXXX ( {$170.00} ) and XXXX ( {$180.00} ). All transfers were made to XXXX XXXX XXXX in XXXX. I did not know about the transfers until they appeared in my XXXX account. I suspect someone hacked the Western Union transfer system. When I contacted Western Union about these unauthorized transfers, they refused to accept responsibility and would not refund the funds. I send XXXX XXXX {$50.00} on Friday XX/XX/XXXX which he picked up. The unauthorized Western Union transactions did appear in my Western Union account. I noticed them after after noticing the unusual withdrawals from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2023, a thief : ( 1 ) fraudulently accessed my Wells Fargo online accounts by using an unauthorized and unknown device, ( 2 ) enrolled my account into online wire transfers, and ( 3 ) fraudulently transferred by wire all of the available money from each account ( checking, savings and brokerage ), {$22000.00} in total. More specifically, once the thief accessed my online account, the thief made an unauthorized electronic fund transfer in the amount of {$9000.00} from my brokerage account to my checking account. Then, the thief fraudulently transferred by wire the {$9000.00} to another bank. The thief also made an unauthorized electronic fund transfer from my savings to my checking and then fraudulently transferred by wire the entire balance of {$13000.00}. This fraud was reported in real time to Wells Fargo, by both myself and my wife, within minutes of the fraudulent transactions. Despite real time notice of the fraud, Wells Fargo failed to : ( 1 ) recover the fraudulent transfers ; ( 2 ) failed to conduct an adequate investigation ; ( 3 ) failed to have adequate safeguards to identify, monitor and detect fraud despite its commitment to do so ; ( 4 ) open a Regulation E investigation despite its legal requirement to do so. Instead of complying with its legal duties, Wells Fargo simply blamed me without any adequate investigation and declined to return the stolen {$22000.00}. Please see that attached letter to Wells Fargo which goes into more detail.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX has reported a rental/leasing balance to both Transunion and XXXX they claim to have originated in XXXX. I have contacted both Transunion and XXXX multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both Transunion and XXXX continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both Transunion and XXXX in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was taken.

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 2023-06-13 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: NY

Complaint narrative:
I Dont recongnize this account From 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 2023-06-13 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: NY

Complaint narrative:
I Dont recongnize this account From XXXX XXXX In CO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am almost XXXX yrs old and want to live in a senior community for a reasonable price. I recently had the opportunity to purchase a co-operative CASH because of a personal injury settlement. 

I found a co-op for {$70000.00} on XX/XX/XXXX. In order to qualify I was told I need income and credit score requirements, as well as background and criminal checks. I was not worried about income, but credit score was borderline ( around 665 ). 

After almost a month, on XX/XX/XXXX, I received an email denying my application. 

I received a letter from XXXX XXXX XXXX yesterday, XX/XX/XXXX, called " Adverse Action Notice '' denying my application, showing a credit score of XXXX ON XX/XX/XXXX, which claims they obtained my credit score from the consumer reporting agency EXPERIAN. I assume this is the company that XXXX XXXX XXXX XXXX uses to either accept or reject applicants. I PAID THEM A {$100.00} DEPOSIT. My {$100.00} deposit check is dated XX/XX/XXXX and was held until XX/XX/XXXX when all my information was received. HOW COULD THEY HAVE PULLED MY XXXX XXXX FROM EXPERIAN ON XX/XX/XXXX, WHEN I HAD NOT EVEN APPLIED AT THAT TIME? AND MY SCORE WAS THE SAME SINCE XX/XX/XXXX ACCORDING TO MY ACCOUNT ( XXXX ). 

This is impossible! I go on my Experian account online from time to time to check my report and score, and my score is currently XXXX. It was XXXX since XX/XX/XXXX on my Experian account. 

I think I may have been discriminated against, or at the very least, treated unfairly. My husband 's score was higher than mine, and yes, he does not have a high score. His is 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 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I paid off a Hyundai XXXX in XXXX of 2023. I have been calling Hyundai Motor Finance every 3 weeks for my title and lein release. They keep saying they mailed it to me or they will mail another one but I still have not received it. It is now XX/XX/XXXX of 2023. Now you can not even call them. It sounds like they have disconnected their phone. I need my title and lein release to sell the car. I can not get through to New York MVD title either.

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 2023-06-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i have given experian my personal infomation and proof of adress and they still have not updated my address to the correct XXXX XXXX XXXX XXXX XXXX wi 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  there is an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that needs to be deleted. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ON XX/XX/2023, I SENT AN INTERNATIONAL WIRE FROM MY XXXX XXXX ACCOUNT WITH BANK OF AMERICA TO AN OVERSEAS CUSTOMER FOR THE AMOUNT OF {$11.00} XXXX. 

THE WIRE WAS BLOCKED BY BANK OF AMERICA XXXX BANK ( XXXX XXXX  ) FOR COMPLIANCE REASONS. 

THE WIRE WAS EVENTUALLY CANCELED AND TO BE RETURNED TO ME AS THE SENDER. INITIALLY, THE REFUND WAS EXPECTED TO OCCUR WITHIN 3 TO 5 BUSINESS DAYS. 3 MONTHS LATER, THAT HAS NOT HAPPENED. 

INSTEAD, BANK OF AMERICA IS UNABLE TO GIVE ME ESTIMATED TIME OF ARRIVAL ON RETURNING THE FUNDS. FURTHERMORE, BANK OF AMERICA JUSTIFIES THE DELAY EACH TIME I CALL THEIR SUPPORT LINE BUT REFUSES TO SHARE ANYTHING IN WRITING AS FAR AS THE STATUS OF THE WIRE. 

AT THIS TIME, I HAVE NO IDEA WHEN THE FUNDS WILL BE RETURNED TO ME. THIS IS CREATING A LOT OF HARDSHIP FOR ME AS THE AMOUNT CEASED IS CONSIDERABLE.

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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Signed up for new bank account. Bank attached debit card to wrong account resulting in the following fees. 

XX/XX/XXXX {$45.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$15.00}

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 monetary relief