vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
Attached you will see payments made to XXXX and the fact that XXXX reports this balance and account paid in full and/or as non-existence but it is on my credit report. I did not falter with our agreement, XXXX choose to close my account so I am not in violation at all. I never ported out my number and they are now telling me that they want all the money I paid all over again, yet the account does not exist, and it is on my credit report. Why would I pay XXXX twice just because they state I must. I will not pay them the moneys already paid, the tablet already traded in, and the monthly payments already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 they must have qritten consent to give info out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XXXX XX/XX/2022 Collection XXXX # XXXX No Category XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TX

Complaint narrative:
FCRA VIOLATIONS NOT MINE CREDIT CARD XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY SS XXXX NOT JOBS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY NAMES XXXX XXXX NOT MY INQUIRIES XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-09-29 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: TX

Complaint narrative:
FCRA VIOLATIONS NOT MINE CREDIT CARD XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY SS XXXX NOT JOBS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT MY NAMES XXXX XXXX NOT MY INQUIRIES XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
I have over 20 inquiries on my credit report that I have nothing to do with. This happens every month from all three bureaus. This stay on a persons report for years, and Im not applying for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have over 20 inquiries on my credit report that I have nothing to do with. This happens every month from all three bureaus. This stay on a persons report for years, and Im not applying for anything.

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 2022-09-29 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-29 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I XXXX XXXX XXXX received an email on XX/XX/XXXX stating there was an applicatuin filled out at Wells Fargo Bank. I was not aware that my ssn # along with my son ssn # had been lost until my new job required me to have it this week on Monday XX/XX/XXXX. So I immediately contact the bank they have put all restriction and froze the account as well as closed it. They stated for me to contact the credit bureaus as well. I have reported it to the social security dept as well. 


Thanks 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 2022-09-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-09-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX in XXXX XXXX to update my Equifax credit file because the loan balance was incorrect and they did not update the payment history since last XX/XX/XXXX. On XXXX XXXX, I got an alert saying that the account was updated, but they showed I was 30-59 days late for the month of XXXX. That is incorrect. I have never paid late on the loan. Every payment was made before the end of the grace period. I was never charged a late fee. Nothing. But yet, when they updated my Equifax credit file on XX/XX/XXXX, it was showing only payment history for XXXX and with XXXX late. There was no payment history for XXXX, even though I got the loan in/or around XX/XX/XXXX. It is reporting correctly on XXXX and XXXX. The loan has never reported correctly on Equifax. It was initially duplicated when XXXX XXXX became a bank. It took me months of disputing with both Equifax and the company directly to get one removed from my credit file. As a result of this error, my credit score XXXX points yesterday. I went from XXXX to XXXX. This is disgraceful on every level possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2022 my credit card information was taken by a phishing scam website XXXX  and a charge of {$850.00} was placed on my American express credit card. It is immediately noticed because the payment was processed through Stripe although the website pretend to setup a XXXX account. It was immediately reported to American Express customer service as fraudulent, and requested to secure my account my account by changing the card number to block future transactions. Reports were filed with reportfraud.ftc.gov ( Report number : XXXX ), FBI XXXX XXXX XXXX XXXX ( XXXX ), XXXX and Stripe which hosted and processed the transaction, in the following days. I submitted all evidences of fraud, including the fake billing address/phone number in the XXXX from XXXX transaction XXXX on American Express XXXX XXXX XXXX  XXXX XXXX : XXXX On XX/XX/2022 I received an email about the charge being reversed and credited to my account. There is no other postal mail/email received from American Express after this date. 

In conclusion : 1. American Express did not look at the evidence of a fraudulent transaction throughly 2. American Express did not notify me promptly about the reversal of the charge either in postal mail or email with a broken email system 3. American Express did not send me the denial letter or the evidence document upon requested In XX/XX/2022 I discovered I was actually charged again. Upon calling American Express customer service I was told I was rebilled on XX/XX/XXXX because the scammer submitted fabricated evidence that I ordered and was shipped a certain item, and my cancellation was invalid ( It did not happen, it was stated clearly to American Express it is a fraud, there are fake addresses and contact information, and cancellation of a non-existing order was not possible ). While requesting both the denial letter and evidence document from the scammer through verbal request or email, American Express did not send me anything. Indeed I told American Express their automatic emailing system by customer service is broken and every-time the representative promised he/she just sent me something, it was never received.

American Express refused to re-open the dispute. Upon contacting their Executive Office through emailing the CEO American Express insist they have already did the investigation ( despite the clear evidence this was a fraudulent transaction ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TX

Complaint narrative:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

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 2022-09-29 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: TX

Complaint narrative:
EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

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 2022-09-29 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: TX

Complaint narrative:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: VA

Complaint narrative:
Please be advised that XXXX XXXX XXXXXXXX Account # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 Please know that this is the second time I filed a complaint and still hasn't been resolved. 

I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXXo Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing.

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