vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # 01 removed immediately. This is neglect on the reporting company, and they should be held accountable for this horrible mistake. I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I reached out to Experian regarding discrepancies in the information on my credit report. Despite my initial contact, there has been no response from Experian to date. I am writing to address the inaccuracies and request the necessary corrections : The information presented for the account labeled XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$470.00} ) is incorrect. It is important to note that the original creditor for this account is a different entity, namely XXXX, as opposed to the one indicated by Experian. Additionally, the reported Balance of {$470.00} is inaccurate, as it exceeds the amount I believe I owe. I dispute the accuracy of this account and request verification of the Date Opened and Date of First Delinquency.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion regarding the presence of inaccurate information on my credit report. Despite the passage of time, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$1200.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$25000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$670.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$1700.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$430.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} This account is not mine. 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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I hope this letter finds you well. On XX/XX/XXXX, I contacted Equifax regarding the presence of inaccurate information on my credit report. Unfortunately, to this date, I have not received a response from Equifax. I am writing to formally dispute the following incorrect information and request the necessary corrections in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX Account # XXXX Account # : XXXX  Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove this account from my credit report. 

XXXX  Account # XXXX Account # : XXXX Date Opened : XXXX  High Credit : {$1900.00} Please remove this account from my credit report. 

XXXX Account # XXXX Account # : XXXX  Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report. 

XXXX Account # XXXX Account # : XXXX Date Opened : XXXX  High Credit : {$6000.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect
State: SC

Complaint narrative:
laws broken with willful noncompliance : 1692 E-10/14 1692 ( C ) ( B ) 1681 S-2 ( A ) ( B ) 1692 K 1681 N ( A ) ( B ) ( b ) 1681 A-2/A-1 1681 Section 602 A/604 A Section 2 I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Credit Karma , INC pulled my credit report on XX/XX/2023 unlawfully and without my written consent. This violated my right for privacy. USC 1681 A 1-6. 

The response you sent back to me had nothing to do with my complain and did not resolve my issue. The consumer reporting agencies did not pull my credit report, therefor they are not liable for removal of the inquiry. If you are not versed in Federal law please send this to your CEO or CFO. Other than deleting the inquiry from my consumer report you would be in willful noncompliance and I will seek monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an XXXX report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies in my credit report. Despite the lapse of time, I have not received any response from Experian. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccurate information and required corrections are as follows : 1. Account with XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report as it does not belong to me. 

2. Account with XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$430.00} Please remove this account from my credit report as it does not belong to me. 

3. Account with XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Please remove this account from my credit report as it does not belong to me. 

4. Account with XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Please correct/update this inaccurate information on my credit report as the account was never late. 

5. Account with XXXX XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Please correct/update this inaccurate information on my credit report as the account was never late. 

6. Account with XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please correct/update this inaccurate information on my credit report as the account was never late.

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 2023-11-23 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

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 2023-11-23 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
The following account shouldnt be reporting on my credit report the name of the account is called 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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I reported my card stolen, deactivated it and requested a new card, which I never got. Instead, I got an alert on the app that the new card had been swiped at XXXX 's XXXX for XXXX. While the transaction was still pending, the bank told me they could not intercept it. They told me the bank automatically activated the debit card before I received it. I never requested or Authorized this activation. Is this legal?

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 2023-11-23 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
None of this information is mine, I need it to 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 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

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 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was a member of paypal.com. I made some purchases using their website and via the credit card I had linked to my paypal account. These purchases were then refunded to me by the merchant. However, instead of refunding back to my credit card that was linked to paypal, paypal gave the refund as an account balance. They then closed my account with this {$3500.00} balance and refuse to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing this complaint to BSI FINANCIAL SERVICES for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 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 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 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 non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 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 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 believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 sunrise credit service XXXXXXXX XXXX XXXX transunion credit report. XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 sunrise credit service Equifax Credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with non-monetary relief