vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX, Equifax, and XXXX are all reporting a bankruptcy on my credit profile which XXXX XXXX deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights un

der 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Sent several supporting documents to innovis for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report as well

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 2023-03-05 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: WI

Complaint narrative:
XXXX, XXXX, and Experian are all reporting a bankruptcy on my credit profile which XXXX XXXX  deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am customer with MoneyLion. I have had the pleasure of opening up an account with MoneyLion on XX/XX/XXXX. MoneyLion offers great services that have helped my out financially and is currently helping my work on improving my credit. I have had great service with your company until today. I reviewed my checking account with XXXX XXXX and saw that {$3200.00} was deducted from my account on XX/XX/XXXX. This transaction was not authorized and I could not believe that something like would ever happen to me. I contacted the Customer Service Department today and was told that I owe this money for loans that I did not pay. I was furious and upset and the Customer Service Representative did nothing to acknowledge my situation or to assist me with refunding my money. The Customer Representative actually advised me that the system shows that I have only paid {$3.00} on the loans that were deposited in my account. This is clearly not accurate. I have bank statements showing each deposit that was placed in my account as well as each withdrawal that was deducted from my account for repayment. My loans have been paid in full. I also spoke to a Supervisor that gave me the same information. I have worked in the XXXX XXXX for over 20 years and would not think twice about treating any of my customers in this manner. This type of service is unacceptable. I was also told that I was at fault without taking the time to thoroughly investigate this issue. I am not sure if the Customer Service Representatives were not trained properly or if there is an issue with the system. I did not receive the help that I needed today and I am truly at a loss for words at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Pursuant to XXXX XXXX the account balance reporting to the credit reporting agencies is not accurate. 

The amount of debt sold to XXXX XXXX XXXX XXXX is not accurate pursuant to XXXX XXXX testimony. According to XXXX XXXX, American Express seeks {$1000.00} American Express had sold the debt to XXXX XXXX XXXX XXXX and is seeking {$1400.00} According to XXXX XXXX testimony the amount that XXXX XXXX XXXX XXXX is seeking is not accurate pursuant to XXXX XXXX testimony to XXXX  dated XX/XX/2022 regarding the Hilton Honors Card with American Express. 

Pursuant to the FCRA AMERICAN EXPRESS IS NO LONGER THE CREDITOR AND HAS SOLD THE DEBT TO XXXX XXXX XXXX XXXX HOWEVER THE AMOUNT IS NO ACCURATE PURSUANT TO XXXX XXXX STATEMENT OF FACTS REGARDING THE AMOUNT DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
At the end of XXXX around the XXXX XXXX. I talk with the credit bureau about my credit is out of date. My credit card reporting payments has been incorrect information. Hard cord fell off my credit and made my credit go down. Incorrect late payment history being put on my credit is making my score go down. Its never been fixed. My credit card payments is still sitting from 3-4 months ago. I spoke with my credit card companies and they all say there is no late payments on my credit cards. I have statements that says there are no late payments from the last three months now. I just got a report from XXXX saying there was a late payment so my score drop, that is incorrect information. My score would be a XXXX then itll drop to a XXXX then for them to fix something it still wont go back up to what it wouldve supposed to have been when it was a XXXX. And there was a error on the report that made my scores drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
At the end of XXXX around the XXXX XXXX. I talk with the credit bureau about my credit is out of date. My credit card reporting payments has been incorrect information. Hard cord fell off my credit and made my credit go down. Incorrect late payment history being put on my credit is making my score go down. Its never been fixed. My credit card payments is still sitting from 3-4 months ago. I spoke with my credit card companies and they all say there is no late payments on my credit cards. I have statements that says there are no late payments from the last three months now. I just got a report from XXXX saying there was a late payment so my score drop, that is incorrect information. My score would be a XXXX then itll drop to a XXXX then for them to fix something it still wont go back up to what it wouldve supposed to have been when it was a XXXX. And there was a error on the report that made my scores drop.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX  Inquiry date XX/XX/XXXX 4.XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX  Inquiry date XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: OH

Complaint narrative:
We had a hardship and got the loan for XXXX and wasn't informed of interest rate until after it went through. By the time we make the payments we will have been charged around XXXX the interest rate was above XXXX is what im seeing now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX  The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX**** was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my Equifax report confirmation # XXXX I came across several inquiries that I did not authorized many were accounts that were previously reported as fraud. I have tried to solve this issue with Equifax to no avail. I have attached my identity theft report along with proof of my identity as required by the FCRA. These are the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this is for my Equifax credit report confirmation # XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
As of XX/XX/2022 The Credit bureaus stated Account Name BANK OF AMERICA XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these agencies written permission to furnish these accounts on my credit report as well

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act these convergent accountS have 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 an account without my written instructions. 

Accounts as follows XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX  - Balance of XXXX Open date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXXXXXX XXXX XXXX balance of XXXX Open date XX/XX/XXXX XXXX. XXXX, XXXX. 
Balance of XXXX. 

Inquiries 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 explanation