vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX  resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to state that as of recently I've been taken advantage of in the form of malpractice, while simultaneously several laws being broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to qualify for home mortgage, and just has overall damaged my ability to obtain credit. These wrongdoings have caused me great mental anguish at no fault to my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.

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 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
After I mentioned that I was suffering from a XXXX XXXXXXXX and was going to have to leave my job and start my own business, the company immediately after blocked me from using my card and decreased my credit limit by {$1700.00} all in the same week. This happened the same week I made a payment of nearly {$3000.00}. The moment after I disclosed my XXXX XXXXXXXX I began to experience retaliation, even after paying almost half of what I owed on the card. I called in today and they said I need to pay over {$900.00} more in addition to the almost {$3000.00} I paid this week, so they can give me my credit limit back. And the credit limit was {$5700.00}. Meaning, they want me to pay over {$4500.00} out of {$5700.00} so I can keep my credit limit of {$5700.00} after I disclosed that I am suffering from a XXXX XXXXXXXX. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to state that as of recently I've been taken advantage of in the form of malpractice, while simultaneously several laws being broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to qualify for home mortgage, and just has overall damaged my ability to obtain credit. These wrongdoings have caused me great mental anguish at no fault to my own.

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 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello I am currently a victum of idenity theft. Within the last past three years I have noticed that accounts have been on my credit report. I have tried to call to get the items removed but the has been no resolution. I have received notices from certin entities that have a had a data breach and information may be leaked.

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 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019 my Bank of America account was compromised by someone of the name XXXX XXXX. This person fraudulently used my account to transfer funds to his XXXX account. I disputed this information multiple times but they verify as accurate. As a result I cant open any checking accounts with most banks because of suspected fraud notes in my XXXX and XXXX. I have the bank statements that prove XXXX XXXX used my account fraudulently. Please have XXXX and XXXX delete this information from my account. 

Thank you

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 monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I did not open an account i might have been hacked and i now have {$530.00} balance and now have 2 late payments on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being TD bank 's erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior TD bank complaint # XXXX, TD bank resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Received Statement XX/XX/2021. Called to cancel card and was told on that day card was closed and {$59.00} subscription fee would be reversed. This fee was not credited and each month since XXXX we have incurred late fees and interest fees. We have documented numerous call to Barclays in good faith to resolve and close out card once and for all. Each time we called we were assured all fees were removed and the {$59.00} remained in dispute as the merchant refuses to respond to dispute. We have called the merchant, Frontier Airlines, and get put on hold for 120 minutes only to be disconnected each time. We did not authorize the charge and reported it to Frontier and Barclays within the required 30 days notice. We have even sent a letter to Frontier about this matter without response. We have done our due diligence and in good faith attempted multiple time to get credit. Interestingly every time we call Barclays they suddenly get " system errors '' and can not help us at this time. The agents are clearly running interference and making it impossible to obtain resolution. We are not being treated fairly and we are reaching out for assistance.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.

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 2021-12-30 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 have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.

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 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have sent Portfolio Recovery Associates LLC three certified letters ( XX/XX/XXXX and XXXX, XX/XX/XXXX, all in 2021 ) to request them to validate these debts as they belong to my father who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accountsare mine but they have either send inadequate information or ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE THEM 1. XXXX XXXX XXXX 2 ( AUTO ) XXXX XXXX, 2021 ( XXXX ) 2. XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXX, 2021 ( XXXX ) 3. XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) 4. JXXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX ) 7. XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX XXXX 8. XXXX XXXX XXXX XXXX, 2021 ( EXPERIAN ) 9. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( EXPERIAN )

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 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened up a Wells Fargo checking and savings account for the first time on XX/XX/XXXX but it was closed on XX/XX/XXXX for an old fraudulent account back in XXXX that I never opened. Due to that old fraudulent account being closed my new account is set to close on XX/XX/XXXX. I have no knowledge of that old account from XXXX. That account was opened in my name fraudulently. I need negative false information to be remove from XXXX and XXXX XXXX XXXX  so I can open up my bank account. 
Please help me resolve this. 

Thank you

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 2021-12-30 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 have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.

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