vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: ND

Complaint narrative:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX and XXXXXXX= XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I completed an online form to transfer {$10000.00} to pay a creditor on XX/XX/2022. The balance needed to be paid by XX/XX/XXXX to avoid interest charges. PFCU offered me a 12 month interest free balance transfer. On or about XX/XX/XXXX, I realized that the transfer would not be completed by the first of XXXX so I used other money 's to pay the balance. During the balance transfer process, they asked for the name of the vendor and stated that if the vendor was not listed, I would be able to put them in later in the process. My vendor, XXXX, was not listed. The closest to them alphabetically was a company called XXXX XXXX. I clicked on them thinking that I could correct it later. I was never given an opportunity to change it. I also included my XXXX routing number and account number. They never received any money. When I canceled the transaction on the XXXX, PFCU told me that the check had been sent to XXXX XXXX. I was surprised because I put the account number and routing number on the transfer. There was a transaction ID so I assumed it was just a matter of reversing the transaction or canceling the check. That was three months ago. I've been carrying a XXXX balance that I never received AND they've been reporting me to the credit bureaus for non payment. This was supposed to be an interest free transfer. I've lost about XXXX points on my credit report and I don't think I should be paying for moneys that I never received. PFCU keeps telling me that it takes time to retrieve the money. As far as I'm concerned, it's an issue between PenFed and XXXX XXXX. I should not be carrying a balance or expected to pay back money I never received. Not to mention, taking a credit hit because they can't find where THEY sent money. Please advise!

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: FL

Complaint narrative:
XX/XX/2022 I tried to make a purchase for a scooter to get to and from to work I went online and found that a company XXXX had a scooter online for sale for {$71.00} I went to purchase it and again after purchase I began to do a search because something didn't seem right about the receipt that they sent me to my email something was fishy about it I did some research on the company and see that they were a scam they sent me fraudulent email saying that a tracking number for a purchase that I had just purchased within the 5 minutes was already sent out I try to reach out to the company found out that it was a fraudulent number and a fake address to the company I even tried to go to the store where there was no store there I contact my car company and told them that it was a scam and I try to reach out to the company the number for the company was not a phone number and the address was not a phone number I also sent them the emails from the company now I just got a email from the company saying that they sorry that I didn't get my purchase I just been asking for my refund back that's it from both the company that is fraudulent and also even my credit card company to stop the payment but no one is working with me I have all the emails and pictures the actual scooter that I purchase from the company that did not receive was over {$6000.00} so there's no way that I could have purchased this scooter for a {$71.00} and come to find out it was for a older person well over my age from XXXX XXXX  my card company denied my refund and I have been going back and forth with both the company with the fake fraudulent tracking number and email address phone number and also address I'm just asking for my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just applied to XXXX  or XXXX store for a credit card they told me they let me know by a mail letter, but latter I got another letter from XXXX XXXX  saying that I requested a XXXX XXXX  card issued by this bank, anda that they didnt approved, was : credit bureau XXXX XXXX XXXX is deceased They said also this decision was obtained from the consumer reporting agency listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX T.U. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX I call the social security administration and told me everything was ok with mi social And to call to XXXX Because it was probably an thief I dont understand what coul happen since I got my license and everything was ok with my info

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 2022-08-19 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.

Complaint narrative:
I filed a complaint against XXXX XXXX and Equifax regarding case number XXXX. As a result of my dispute regarding XXXX being listed as a " Mortgage '' on my credit bureau and requesting for this to be removed due to errors in reporting among other things I disputed regarding their abusive and bullying antics. 

My score as of XX/XX/XXXX was a XXXX according to XXXX as I have been watching it daily because I have been trying to fix my credit and purchase a home. 

Equifax and XXXX as retaliation for my dispute has tried to further damage my credit by reporting incorrect information. At this point this was done intentionally and willfully. XXXX XXXX XXXX  are used to ruining peoples credit and Lives with the Pyramid Ponzi schemes they have been allowed to get away with for years. They know if they report this loan as a " Mortgage '' it will FORCE people to pay when all along they would never ever be able to have access to the Resort. They also know how much damage this can do on my credit report. This was already reported negatively on my credit in XXXX when I stopped paying and listed as a charge off. As a result of " Equifax Supposed Reinvestigation '' they made it appear on my credit I paid 100 % of my payments i missed 1 payment it went from a charge off status to 180 days late. It dropped my credit XXXX points and at this point I a convinced it was intentional. How is this even legal? I filed a complaint with the FTC for the initial case XXXX but I am filing a complaint for this case as well, this is extortion. XXXX and Equifax should be charged with Racketeering cause this is outright dishonesty. 

I have not made a payment to XXXX XXXX since XXXX and for the record I WILL NEVER PAY XXXX ANOTHER COIN. In turn for me disputing this account with the CFPB Equifax updated the file and posted I had 100 % on time payments when in fact I haven't paid XXXX since XXXX and they have listed as 1 missed payment to purposely drop my score. Disputing an account with the CFPB and credit bureau I should not be retaliated and abused by XXXX. My credit should not be damaged cause they already reported this account years ago negatively. Now they rereport cause I disputed the account? How is that possible? I want answers NOT A COMPUTER GENERATED GENERIC ANSWERS EITHER. They are in clear violation of the FCRA how is this Fair and Accurate Reporting? My credit has dropped XXXX points because I disputed an account that was already negatively reported years ago. They marked it as a charge off then a changed it to 180days late when they keep flip flopping to make it harder to attain any credit. I attached proof XXXX and Equifax intentionally and willfully damaged my credit and are well aware I am in the process of trying to rebuild it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
On XX/XX/XXXX I called TransUnion in regards to fraudulent inquiries that I noticed on my credit report. I followed up by giving them a phone call and the customer service representative quickly dismissed the issue and said to include an FTC report so I ended the call.

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 2022-08-19 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: TX

Complaint narrative:
I received notification from XXXX and XXXX that an alleged bankruptcy was verified through LexisNexis. I disputed with LexisNexis and was told the information was verified via PACER. I contacted PACER who stated they DO NOT verify or provide information to credit bureaus or credit reporting agencies. I submitted to LEXISNEXIS a letter from the bankruptcy court from XXXX and emails from PACER from XXXX and XXXX stating they do not verify these public records. 
I filed complaint XXXX which was closed stating LexisNexis wanted ID. I submitted my drivers license to Lexis Nexis on XX/XX/XXXX. Their reference number is XXXX. I would like complaint reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
Company is claiming I owe debt I never heard of, received mail on XX/XX/2022, I have disputed debt online and with a letter from your site. There is no way to verify any of the information I have never had any loan with a company they are claiming I had a loan with. This is a scam. Company name Debt Recovery Solutions , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 
Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 
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 XXXXXX/XX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years , or both.

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a credit card from XXXX XXXX  that had a XXXX balance and was never in default. I had a bankruptcy that went through in XX/XX/2021 which included tax debt but the XXXX credit was not included in the filing. XXXX has since submitted to the reporting agency that the balance was written off by the bankruptcy which is 100 % untrue there was no balance on the account. I have contacted XXXX on several occasions and they have said they would not correct there mistake in reporting and suggested i contact an attorney. How can a debt be charged off in a bankruptcy if the balance on an the account was XXXX? 

This was corrected with XXXX but still remains on Transunion

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 2022-08-19 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: TX

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with the following companies : 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 Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: TX

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with the following companies : 1. 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 Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Tx 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 2022-08-19 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: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent XXXX and experian credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and EXPERIAN DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-08-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX  : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a XXXX balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. XXXX XXXX XXXX XXXX  : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. Comenity Bank/Express XXXX XXXX XXXX : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXX XXXX XXXX XXXX : Delete for inaccuracy, because actual payment amount is missing.

Company response to consumer: Closed with explanation