vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
I am writing to dispute the following information that your company supplied to me. It's also different than what is currently being reported by XXXX and XXXX credit reports. 

These two items ( 1 ) XXXX XXXX XXXX and ( 2 ) XXXX XXXX does now belong to me and is fraud. I have included the FTC report. I have also included a copy of my credit report from Experian, XXXX and XXXX. You will notice that only Experian is reporting these accounts and also reporting I have a bankruptcy on the XXXX XXXX XXXX account. 

I'm requesting to have these accounts removed asap as these accounts do not belong to me and I have never had a bankruptcy. I have included a report from XXXX XXXX that shows I've never had a bankruptcy. 

Enclosed are copies of my credit report and other documents like my id and address. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete this asap. 

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX 

Account name : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 
Status updated 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 2023-02-24 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: LA

Complaint narrative:
Transunion willfully neglects to remove inaccurate verified derogatory accounts. Their verified return file shows more inaccurate inconsistent and fraudulent information. What is the law to an account starting in Collections? Then recently changed/when investigated and updated Us Department of ED Account # XXXX XXXX & XXXX In violation of multiple FCRA USC 1681 6802 1028a 1681n 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 non-monetary relief
Consumer complaint received 2023-02-24 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: MD

Complaint narrative:
in accordance with the Fair Crdit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # 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 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reportingagency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believethat the information is inaccurate.

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 2023-02-24 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: MD

Complaint narrative:
in accordance with the Fair Crdit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reportingagency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believethat the information is inaccurate.

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 2023-02-24 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:
On XX/XX/23, XXXX XXXX sent me a notification about credit inquiries from XXXX XXXX Someone fraudulently applied for credit cards for Buckle, Game Stop, XXXX XXXX, and XXXX XXXX. 

I have called Equifax and XXXX XXXX  about the issue and so far the fraudulent activity remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
Today on XXXX XXXX my wife got a notice in her private email that I had a payday loan payment due for {$570.00} that supposedly had been originated on XX/XX/2023 at SpeedyCash. I was at work and not even available at that time. So obviously it was not me that created the application. Further, when we called to verify information, we were told the phone number and drivers license number did not match the rest of my information that was used. But, the account was fraudulently created anyways even though that should have created a huge red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and transunion, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. XXXX has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request to please follow up with the credit bureaus about this important matter.

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 2023-02-24 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: FL

Complaint narrative:
I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and XXXX, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. Experian has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request to please follow up with the credit bureaus about this important matter.

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 2023-02-24 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: LEXISNEXIS
State: AL

Complaint narrative:
I have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
Hi i got in contact with Innovate Loan Servicing and they are not doing anything to fix my credit and remove the error by reporting wrong information that should not be there because i do not have a open contract with them for a loan i do not have a loan or the vehicle i dont know if i should look for a lawyer its affecting my credit score and nobody is helping me and its no fair because i have proof i do not have a open a account with them its been giving me alot of problems lately what can i do? The only thing they tell me is that what 48 hrs and i call back and still they cant do anything about it???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: MN

Complaint narrative:
On XXXX, XXXX charged what was my XXXX XXXX Credit Card {$5.00}. I didn't realize there had been a charge, didn't receive any correspondence from XXXX XXXX in form of a credit card statement, phone call or email stating I owed money. I happened to check my credit report and noticed I had a negative mark for being over 30 days late by {$5.00}. I called the credit card company, now owned by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  and XXXX, all at which XXXX XXXX XXXX XXXX said they would submit a letter to the three credit bureaus stating that this was their fault and to remove the negative remark. The letters were submitted, nothing was done by the credit bureaus accept them saying the {$5.00} was owed but had been since paid. I opened up disputes with the credit bureaus, but nothing has been done. Each time the credit bureaus say there is nothing they can do. This has dropped by credit score significantly and will remain on my credit report and husband 's credit report for seven years. We have/ had credit scores at XXXX. Now my report is down to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: WI

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXX XXXX charge off account XXXX XXXX DELAWARE XXXX late payment account XXXX XXXX late payment XXXX  XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXXT, XXXX have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX DELAWARE and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, 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 2023-02-24 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: WI

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXXT XXXX charge off account XXXX XXXX XXXX XXXX late payment account XXXX XXXX late payment XXXX XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXX I have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX  XXXX and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Requested account information to be investigated and came back that information was accurate and it was not. I included a copy of the payment history and the error was not removed. Requested a reinvestigation inaccurate information still remains. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX XXXX  Account # XXXX The above have violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may  make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( XXXX ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2023-02-24 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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony contacted a phone number they found associated with me, however not my number nor does the person no me personally and asked for me, when the person told them that wasn't my number they told them to me me who was calling and that I owed a 2020 debt with them and they'll be suing 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 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was notified by Commenity bank that my account would be closed due to not being used. After seeing this information I went to find my XXXX XXXX  but could only find my card for when they were partnered with XXXX XXXX and not Commenity bank. I called and spoke with an employee and provided them my current billing address and requested a card to be sent to that address. They sent the new card to my previously listed address. Which required me to go into the store and make a purchase by obtaining my card info over the phone. I made the transaction solely for the purpose of keeping my account open. I then made a payment for the full amount due only to find out that they had closed my account which I find to be a deceptive practice. They weren't even the ones to notify me that my account was closed. I had a notification from XXXX XXXX that notified me. My experience with the bank has been terrible since the first interaction with them over the phone. When speaking to the customer service representative who took my payment they updated my address incorrectly which I identified and changed online XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023 I attempted to charge {$2000.00} at a car dealership using my cash app card. Although the funds were in there, the transaction was declined. When I went onto the Cash App site there was a statement that they were having connectivity issues that were resulting in transactions being declined. As a result, I was unable to proceed with the transaction and left the dealership. However, later that night I went into my cash app site and saw that the {$2000.00} was taken out of my account. On the app it still has the transaction as declined, but the money is gone. I called cash app on XX/XX/2023 and they continue to say that the money was sent to the dealership I have spoken to the finance department from the dealership they continue to say that on their end it is showing the payment was declined and they have not received the {$2000.00}. Cash app is now saying they will put in a dispute. However, it will take up to 45 days and they still can not guarantee a refund. I need the money refunded ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
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.

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