vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 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: VA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I am writing yet again very flustered and disappointed in the responses I have received. I would like to advise on XX/XX/XXXX by Equifax by way of CFPB that my concerns were being addressed and I could expect to receive correspondence in the mail. Today is XX/XX/XXXX and I have yet to receive any responses in the mail outlining my concerns. 

I have attached a copy of my prior submission that was ignored and closed out without resolve. In addition to the violations outlined and recompense requested via affidavit Equifax failed to respond to me in the form of an affidavit which is required therefore another violation. My request is that this invoice be paid immediately by Equifax to avoid any further escalation. I'm fully aware of my rights and violations as outlined and ignored. I'm requesting that Equifax take ownership and complete request to avoid litigation. Check can be submitted to the mailing address. All documentation has been provided in the attached which confirms my mailing address ( utility bill ) as well as the XXXX which confirms the social security number. 

Please stop with the stalling tactics and rectify your wrongdoings. The affidavit of truth is fully notarized and unless response is received addressing each fact, I expect to receive the requested amount for satisfaction of violation. 

Equifax is now civilly liable to pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit report went down recently due to an unknown Citicards account being listed on my credit report as an authorized user. When trying to contact Citi they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.

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 2022-01-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove these inaccurate items from my credit report. These items have kept me from obtaining credit.

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 2022-01-15 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: DC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I contacted Capital One in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted Capital one again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by Capital One as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: FL

Complaint narrative:
{$920.00} from XXXX XXXX XXXX  XXXX and Equifax and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: OH

Complaint narrative:
I sent a dispute in XX/XX/XXXX requesting that these account be validated because they are reporting inaccurately. The FCRA reports that all information must timely, verifiable and 100 % accurate! 

These accounts are not reporting accurate : *XXXX XXXX  does not show this account being ever late in XX/XX/XXXX ( XXXX  ) I was NOT notified of this account being added or resubmitted. 

XXXX XXXX does not show this account being ever late in XX/XX/XXXX XXXX XXXX XXXX ) I was NOT notified of this account being added or resubmitted. 

I Demand that these accounts be removed immediately or I will file litigation due to the stress you have caused me.

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 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States. 

Discover requested my account number in my last complaint however, I no longer have the credit card so I do not know the credit card number or account number. I have attached the notice that my account was closed and an old statements. I also attached the Discover portion of one of my consumer reports. Whether or not I have account number is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NJ

Complaint narrative:
Experian and XXXX delete a non-accurate XXXXXXXX XXXX account on my credit report... Meanwhile, XXXX is refusing to delete this account, and they never could verify this account when the latest proper documentation ....

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 2022-01-15 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2022-01-15 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: FL

Complaint narrative:
{$920.00} from XXXX XXXX co XXXX and XXXX and Transunion continue to report negative fradulent information on my credit report. They are in violation of the FCRA

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 2022-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
{$920.00} from consumer XXXX co Experian and XXXX and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA

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 2022-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had XXXX unauthorized transactions of about {$85.00} a piece, Venmo is making little to no effort to refund these charges and refuses to give me any direct answers on will I will be recovering my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX  XXXX again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by XXXX XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
Experian is reporting inaccurate info on my credit profile and without consent. As a consumer that is federally protected I am instructing for these remarks to be fixed. There are late payments that need to be updated as well as personal info and inquiries. I have already submitted a dispute personal info and for the following accounts. this is a second attempt ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT # 1 XXXX XXXX XXXX  - XXXX 2021. ACCT XXXX ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT # 2 XXXX XXXX XXXX XXXX 2021 XXXX ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT # 3 XXXX XXXX XXXX  XXXX 21 XXXX 
ACCT XXXX NOTE LOAN

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 2022-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I wrote to The Bureaus Inc disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any XXXX XXXX XXXX. 

On XX/XX/2021, I received a letter back from The Bureaus Inc, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase ( what happened to privacy? ). 

On XX/XX/2021, I responded back to The Bureaus Inc, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I received a return receipt signed that The Bureaus Inc received my letter on the XX/XX/2021 

As of today, XX/XX/2021, I have not heard back from The Bureaus Inc, and they are still reporting the collection account on my Credit Report. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: MI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number

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 2022-01-15 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: MI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please remove these inaccurate items from my credit report. These items have kept me from obtaining credit.

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 2022-01-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove these inaccurate items from my credit report. These items have kept me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have only received phone calls with limited information from a company called Merchants and Medical. They have been very harassing and threatening. I called the hospital they claimed I owed money to. According to that medical facility, I do not owe anything to anyone in that system. The lady said it was {$260.00} and it has shown up on my credit report as {$200.00} This also is very suspicious. I did not receive any paper bills in the mail, nor did I receive any notifications that I had an account that would end up in collections. I am currently disputing these collections charges on both of my Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I believe in XX/XX/2021 someone applied for a surge credit card in my name and used it to the maximum limit of {$300.00}. However i was not aware until i started receiving calls from a number I did not recognize. This number would call really early in the morning or in the evening. Finally, I answered and they inquired about a payment. At that moment I let them know this card was fraudently opened. I asked them for the information they had on file ; they told me all my information. Everything was correct except my address. They had an address listed from a house I lived at five months ago. I went on to let them know i did not open this credit card. They informed me they would stop reporting this information on my credit report and close the account. They may have closed the account but it is still negatively affecting my credit report and is still listed. After doing my research i looked at their reviews on XXXX and I'm not the only person who has experienced this there are at least 25 people who have similar issues.

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