vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 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 XXXXXX/XX/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 2024-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL XXXX CREDIT REPORT AGENCIES ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND WITH ME PROVIDING PROOF THAT THESE ACCOUNTS DO NOT BELONG TO ME. MY IDENTITY WAS STOLEN AND I PROVIDED PROOF THAT MY IDENTITY WAS STOLEN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
I've consistently ensured timely payments on this account, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

The late payment with XXXX XXXX  Account Number : XXXX shouldn't be on my credit report according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

The late payment with XXXX XXXX  Account Number : XXXX shouldn't be on my credit report according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Current annual APR % on the care credit account is already at 29.99 %. They are going to raise this to a ridiculous APR of 32.99 %. They claim on the last statement of XX/XX/XXXX, that I have the right to reject the changes. However, if I do reject the changes that I am allowed to reject, I will not be able to use the account for new transactions. Changes will take effect on the day after XX/XX/XXXX. They claim to be raising the rates due to market conditions. Yes I was notified, great, is this legal? Isn't this too high??? Who is watching over these companies? Stop screwing the middle class!

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 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I transferred {$95.00} USD as {$140.00} AUD by PayPal to a XXXX  business XXXX XXXX XXXXXXXX that offers virtual XXXX  language classes. On their site they advertise that classes are offered by XXXX  ( see attached ) and on their XXXX XXXX  they say that all can participate at any ability level. In fact, they required me to instal a Russian program called XXXX which does not work with my phone number. They do not use XXXX as promised. Also, their most intro level class is too advanced and required that students read in XXXX. I e-mailed on the very same day that they sent their first communication and offered to postpone until I taught myself the alphabet ; I also asked if there was a more intro-level class in the future. I next e-mailed to say that I could not instal XXXX. They gave me the run-around for a few days by asking me to take a test and buy a workbook, which I had already done, and then said that it was too late for me to ask for a refund as the class was underway ( See attached ). Services were NOT received. I never joined a chat or participated in a class. I paid for the workbook ( {$10.00} ) and classes ( {$95.00} ) and only want a refund for the classes. I paid XXXX through PayPal and received an e-mail with class info from XXXX ; I my PayPal is associated with XXXX and XXXX, and I registered for class with the latter e-mail. 

XXXX Paypal XXXX ID XXXX Paypal XXXX ID XXXX XXXX XXXXXXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MO

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
There is information on my consumer report that is a result of incorrect reporting, and identity theft that has already been reported. According to 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions, and I have not provided any written permission for these transactions to be added onto my consumer report. I am requesting that the information be blocked and deleted. My request to block is not being made in error as stated before. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my report within four days from the date of the receipt of this notice. I look forward to your response. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
Despite my previous attempts, these items have not been addressed, causing ongoing and XXXX  XXXX 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/year> XXXX XXXX XXXX XXXX, AZ 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 2024-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite my previous attempts, these items have not been addressed, causing ongoing and significant distress. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> i was traying to get a secured card becouse i Was traying to fix my credit but for some razn capital one didnt take XXXX XXXX for secured card so i call many times they tolkme they didnt know Was going on so i been traying to fixed this issue never i have the card also Was not my foult for some.reazon they take the.secured.money as deposit i Will like this hard.inquiere take out from my cedit scored.becouse.is not fear also never i gey the card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts have inaccurate reporting regarding amounts and dates.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have ( 4 ) credit cards myself, and three auth. users. One person misplaced there card and in order to get a new one I am told 4 cards would need to be shipped only regular mail 10 days. 
I dont do much business with synchrony Bank XXXX and we use this card for my XXXX  bill and all supermarkets. I dont want to loose out on the 4 % rebate so the only choice is not to request a new card as when I asked if you could overnight, the response is you dont do that. I have been in the financial industry for over thirty years and we will share our cards until the expiration date and new cards are sent. 

I spoke with some people from XXXX, XXXX XXXX XXXXXXXX and they said that they have no problems sending cards overnight. Yes It does cost mailing fees. 

Can they just produce one for XXXX XXXX as a damaged card then all of the cards are not effected. I have XXXX child out of state at XXXX who uses this card so we are not closing the misplaced card that is probably in the house.

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 2024-05-15 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:
I am writing to cfpb to address concerns that my credit report is being falsely reported. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA rules failure to remove these accounts is violating my consumer rights. 

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave permission for these collection accounts : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXXXXXX {$240.00} Delete these accounts immediately! 

Furthermore, I am a victim of identity theft. Can you delete these accounts and send me an update? 

Lastly, late payments or derogatory statuses is a direct violation of FCRA 605B I am requesting the deletions of the late payments for : XXXXDEPT OF ED XXXXDEPT OF ED 11 late payments which have been deferred. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MO

Complaint narrative:
I hope this message finds you well. I am writing to urgently request, for this time, the correction of the late open accounts on my credit file. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts in my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct accounts : 1. DEPTEDXXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. DEPTEDXXXX XXXX Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
3. DEPTEDXXXX XXXX Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
4. DEPTEDXXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
5. DEPTEDXXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
6. DEPTEDXXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 
7. DEPTEDXXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.

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 2024-05-15 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: MO

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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