vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: CT

Complaint narrative:
( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 09/18/2022-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax EQUIFAX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CT

Complaint narrative:
( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-12 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2022-10-12 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:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I logged on to my Bank of America account and found a credit card on my account that I never opened or applied for. After waiting on hold for many hours, I finally got to someone in fraud who closed the credit card. The card had not been activated but did have an annual fee charge on it, which I was told would be removed and I wouldn't be charged for. The credit card has been removed from my account but I was then told I had to talk to someone else about getting a copy of the application and making sure the credit card was removed from my credit history. I waited on hold with many other people, for a minimum of three hours, and no one could help me. No one seemed to know who I should actual talk to or what to do. This credit card was allowed to be opened by my bank, with whom I have many accounts but I was never once contacted for verification and the bank seemed completely unprepared for helping me more than closing the credit card. I am concerned about my personal information being used again and my credit being hurt by this and BOA seemed to have no interest in helping me further. I was told I would have to just wait and see and contact the major credit bureaus in 3 months.

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 2022-10-12 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: GA

Complaint narrative:
I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!

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 2022-10-12 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:
I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!

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 2022-10-12 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: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 While at a XXXX Bank branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX 

My Credit Score drop from XXXX to XXXX because XXXX failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. XXXX is a loan agency based in California. The XXXX bank agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. 

XX/XX/2022 I created a new email address ( XXXX ) and reached out to the XXXX Customer Complaint email address ( XXXX ) and demanded that they correct their error. 

I received a reply fairly quickly on XX/XX/2022. 

I found out the unauthorized XXXX account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and TransUnion. 

XX/XX/2022 I received an email from an unknown person at XXXX stating they filed the proper paperwork and will follow up as soon as possible. 
I replied thanking them for their fast reply but feel the message from XXXX was auto-generated. 

XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the XXXX complaints email. Not a single individual has yet to reply to me from XXXX. 

XXXX XXXX Received another anonymous reply from XXXX but was not provided a case number nor any indication of urgency. 

The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service XXXX XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against XXXX XXXX for their part in identity theft. 

Soon we will report this to local enforcement as recommended by numerous agencies including the FTC.

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 2022-10-12 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: LEXISNEXIS
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
This money transfer transaction was done on Paypal. The person who I was initially in contact with ( XXXX XXXX XXXX who claimed to be a pharmacist gave me the email address of the person who was to provide a product which I never received ( XXXX XXXX ). The person named XXXX XXXX had a channel on XXXX called XXXX XXXX XXXX. I have been blocked and banned from this channel and the channel is now under a different name other than XXXX XXXX. He was offering meds for low prices. Apparently HE is the scammer named XXXX XXXX who scammed me out of {$350.00}. I tried to appeal this through PayPal, but they ruled in his favor even though I told them he was a scammer. I had to send the money through Paypal 's friends and family feature, which is how he gets away with this. I am closing my Paypal account after having it for 21 years. I am sick of them allowing these people to do this and always ruling in their favor. This is not the first time this person has done this. I have seen other complaints about this person on other XXXX channels, so I am sure that Paypal has been hit with numerous claims, none of which are being resolved satisfactorily. The XXXX channel is gone along with all of the correspondence I had with this XXXX XXXX XXXX. There is nothing that I can send to defend myself against this scam. I can see the email address on the Paypal resolutions statement, but that is NOT the same as where the money was sent. I don't have the original email address, but Paypal should even though the one they are showing for this person is not the same as the one where the money was sent. This is a scam and this person needs to be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I was taken to a website that I thought was for a breathing machine I just received. It ended up being a scam and charged my credit card XXXX and XXXX. These charges were pending for 7 days and when I called to let the credit card company know they told me I needed to wait until these amounts actually got charged to my account. They did charge to my account so I called the bank XX/XX/XXXX at XXXX a.m. and was on hold for about XXXX mins and I was speaking to someone outside of the USA. They transferred me to the USA and I waited on hold for another 30 minutes and spoke to a woman that said I would need to speak to customer care to dispute a charge. She transferred me and I was on hold for 2 hours. I hung up very frustrated. What kind of a corporation has their customers wait that long? 

Last night, XX/XX/XXXX while I was sleeping they left a message about some fraudulent activity on my account. I called XX/XX/XXXX at XXXX in the morning and got an animated voice stating that I was trying to make a purchase for XXXX at a computer store. It said to press 3 if this wasn't you and I did. It proceeded to transfer me and I waited about 15 minutes on hold and actually got the same person I spoke to in the morning. She said if I needed to make a dispute and cancel my card I would need to speak to customer care and proceeded to transfer me at XXXX and I was on hold for over an hour. 

I want to cancel this card!!!! I want my dispute completed, but most importantly I want this card canceled, please!!!! 

The credit card is BJ 's Mastercard through XXXXXXXX XXXX which I think is held through XXXX XXXX?

Company response to consumer: Closed with monetary relief