vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: 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 non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Credit Report XXXX is wrong never been charged for this debt from XXXX XXXX XXXX XXXX which is {$220.00} unpaid. 
Collection Agency Source Receivable Management has no jurisdiction to charge this debt in the state of Pennsylvania. This debt will need to be removed from the credit report. 

Collection Agency SOURCE RECEIVABLES MANAGEMENT, Balance Date XX/XX/2023 Original XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Date Assigned XXXX XXXXXXXX XXXX Account Number XXXX XXXX Original Amount Owed {$220.00} Creditor Classification Cable or Cellular Amount {$220.00} Last Payment Date Status Date XX/XX/2023 Date of First Delinquency Status UNPAID Comments Contact SOURCE RECEIVABLES MANAGEMENT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: CA

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

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
RE : Urgent Assistance Needed Regarding Capital One 360 Checking Account Hello, I trust this message finds you well. I am writing to seek urgent assistance regarding my Capital One 360 Checking account. 

In XX/XX/2023, I opened the account while I was not employed, and no funds were deposited during that month. However, I secured employment in XXXX, and on XX/XX/XXXX, my employer, XXXX XXXX XXXX XXXX XXXX, deposited {$3100.00} into my account. Additionally, on XX/XX/XXXX, I received XXXX smaller deposits of {$270.00} each. 

On XX/XX/XXXX and XXXX, I requested funds from my cousin for personal expenses, totaling {$2000.00} and {$1700.00} ( {$1000.00} + {$700.00} ), respectively. He transferred the money via XXXX, but my account was subsequently restricted from accessing these funds. Despite numerous attempts to reach out to customer care, I have not received any information about the account status, and my calls remain unanswered. 

The situation is particularly distressing as I have been waiting for these funds, and there is uncertainty regarding whether the bank will release them. I have informed my cousin, who confirmed that the funds originated from his payroll and provided proof in the form of pay slips. We are willing to provide any necessary documentation, but unfortunately, the bank has not responded to our calls or emails. 

I am reaching out for your assistance in resolving this matter promptly. Your help in facilitating communication with the bank or providing guidance on the necessary steps to recover my funds would be greatly appreciated. 

I am happy to provide any documentation needed to expedite this process and help me get my funds back. 


Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I purchased an online order on XX/XX/XXXX for multiple items from XXXX. The items showed up individually on my Lowes ( Synchrony ) card as they were shipped. One item in question, the patio set, charged twice. This was a charge for {$470.00}. I've repeatedly sent receipts and the online order invoice to show that this item was only ordered one time, and they continue to leave the charge on the card, saying they don't have enough information. 

I have re-disputed the charge 3 times now. They now report these disputes to the credit bureaus, which is unfair, and I want any effect of that removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have reason to believe an account was opened fraudulently in my name. I am receiving letters from this bank and Ive never opened an account here. Im not sure what to do, this is not the only bank Ive had this issue with. XXXX XXXX, XXXX XXXX, XXXX XXXX, now ally bank.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention an issue regarding certain accounts on my credit report. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Sat, XX/XX/2023, found the ticket advertisement for concert on XXXX website : Tickets can be found at XXXX. 
Ordered tickets : Youll receive email with instructions and tickets from original provider, not XXXX. 
Found similar tickets almost two times cheaper on XXXX XXXX. Tried to return the tickets, but no return only a sale on the same website. Tried to sell, but no email from provider, no tickets, nothing to sell. 
Report scam. Citibank opened a payment dispute and the respond : Investigation completed ; without a valid slip we are unable to intervene with the merchant. * Nothing to return, no slip from scammer. 
Sun, XX/XX/, from XXXX. 1 hour left to send your tickets, if you do not send the tickets, charges will apply. No email and tickets from provider, nothing to send. 
Mon, XX/XX/2023, from XXXX : Charge applied, reason : XXXX Not XXXX. 
Open payment dispute with Citibank, got response : If you continue to dispute, provide documentation that the merchant charged you twice for the same merchandise. * No comments. 
For some reasons Citibank, by absurd impossible requests* to initiate disputes the charges, prefer to participate in scam instead protecting customer from it. If stealing money from customers by scam is illegal way to do business and customer protected from this, please help me to 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 monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA historically made the full amount of deposited checks available immediately upon deposit. The past couple years have been extremely tough and being paycheck to paycheck theyve suddenly started to place holds on the funds. I had an especially bad case of timing this week with some auto payments coming out that took the account negative and normally if you deposit enough to cover it within grace period they forgive those. Well we received an insurance payout check of just under {$5000.00} this past Monday ( XXXX ) that I deposited right away and instead of releasing it like they historically have, they held all but {$500.00} and it wasnt enough to bring the account current so guess what, they added another OD fee. Theyre bombarding me with collection calls when if theyd release the insurance check they could be paid current. They are making it so I cant pay my electric bill or car repairs for the only car my family has to get to work right now. The check being on hold places a HUGE burden on my family ; we have a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  and needed those funds released immediately to keep up with this XXXX economy. And all the tone death member resolutions lady could say was oh its the system it wont let me release and how about a personal loan from us? like sure, theyll lend money but wont release what was deposited except her suggestion was completely tone deaf and out of line because USAA wont approve me for a loan on my own. So suggesting that as a solution was just plain insulting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My credit limit was lowered from {$2000.00} to {$300.00}. I was never late and the account remains in good standing. 

The reason I was given was : Lack of real estate Too much revolving debt Charges up to credit limit Delinquency I own a home. 
I have the same revolving debt I had when they gave me the account. 
My charges were not up to my credit limits until they were lowered. 
The Delinquency is 5 to 6 years old and was in my report when they gave me the account.

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 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
XXXX I filed this complaint onXXXX. The company respond and said they would overnight by XXXX a check. That never happened. I called them with a follow-up. They then said they mailed a check. That never happened. I still have not received the funds they erroneously, falsely and illegally took from my XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 4 accounts on my EXPERIAN credit report I disputed XXXX ago and they have not been removed. I have privacy rights. 
I just spoke to very kinda agent, XXXX who said it would take 30 days and by law they have XXXX hrs which has already pasted from my first dispute filed online. I sent the following message as well telling the agent on a recorded line. I di let him know the window is XXXX hrs for recording purposes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S. Code 1681s2 states I have the right to privacy right to privacy 15 u.s. code 1681 section 604 section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. It also states a consumer report agency can not furnish an account without my written instructions under 15 U.S. Code 1681b, a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose ; - Permissible purposes of consumer reports. 15 U.S. Code 1666b - Timing of payments.

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 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

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 2023-11-15 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: IL

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-11-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
I am writing to express my dissatisfaction with the services provided by Kraken Wallet, specifically in relation to the withholding of my funds and the lack of responsiveness from your customer support team. 
On XX/XX/2023, I initiated a transaction involving kraken wallet to withdraw my funds. However, to my dismay, my funds have been withheld without any clear explanation or communication from Kraken. Despite my attempts to seek assistance through your customer support channels, I have encountered a concerning lack of responsiveness, exacerbating the frustration and inconvenience caused by the unresolved issue. 
I believe this situation not only violates the terms of service agreed upon but also raises concerns about compliance with consumer protection laws. In particular, the Consumer Protection Act, Electronic Funds Transfer Act ], which outline the rights and protections afforded to consumers in digital financial transactions.

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 2023-11-16 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: CA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief