vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user. 
Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX  with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user.

Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

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 explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax violated my rights many times, and I have experienced difficulty. Under the 15 USC 1681, I have rights ; therefore, I ask the following accounts be removed.

Hard Inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Made an instant transfer for {$350.00} ( {$5.00} fee ) in XX/XX/2022 on the XXXX XXXX XXXX XXXX to a Union Bank checkings account and never received the money. Spoke to both parties, XXXX claims the transaction for {$340.00} was successful and Union Bank that it was not, each independently through their respective investigations.

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 2022-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ON XX/XX/XXXX I RECEIVED RESPONSE FROM CAPITAL ONE REGARDING FRAUD INVESTIGATION THAT POSSIBLE THEY DID THEIR INVESTIGATION .FIRST OF ALL IM NOT SATISFIED WITH RESULTS BECAUSE CLEARLY CLEARLY THEY DID NOT EVEN TOOK A SECOND TO LOOK AT FTC REPORT THAT IVE SENT BECAUSE THEY VERIFIED ADDRESS AS ACCURATE WHEN ON FTC REPORT IT CLEARLY SHOWS THATIM DISPUTING ADDRESS AS FRAUDULENT .LIKE THE INVESTIGATION RESULTS ARE FUNNY THE PAPER THEY ATTACHED THEY SAID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX WE CHECKED PUBLIC RECORDS AND THIS ADDRESS BELONGS TO YOU WHEN I DISPUTED THIS ADDRESS AS FRAUD AND XXXX  ERASED FROM MY REPORT XXXX TELEPHONE NUMBER NEVER EVER BELONGED TO ME THEIR RESPONSE 'We mailed billing statements to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. ' SO IF SOMEONE DID NOT RETURN A LETTER AND LETS ASSUME THE THREW IT AWAY DESTROYED IT OR ANYTHING LIKE THAT THAT MEANS ITS MY ACCOUNT? this is ridiculous and this is the response of capital one investigation team? Going of public records? 
We located recorded calls from XX/XX/2019, in which you contacted us about this account and stated it was your account. IS THERE ANY PROOF I CONTACTED YOU OR FRAUDSTER DID? 
The Social Security number and date of birth we have on record for this account were verified as yours? LIKE THIS IS MOST RIDICULOUS PART SOCIAL AND DATE OF BIRTH IS YOURS? YEA THATS WHY ITS CALLED IDENTITY THEFT IF IT WASN'T MINE IT WOULDN'T BE ON MY CREDIT ILL GO AHEAD AND ATTACH THAT LETTER THEY SENT MY XXXX CREDIT REPORT WHERE THE ADDRESS NO LONGER SHOWS BECAUSE I DISPUTED IT AND FTC REPORT WHICH WILL BE PAGE 12 THAT SHOWS MY REAL PHONE NUMBER ADDRESS AND DISPUTED ITEMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: LA

Complaint narrative:
EXPERIAN HAS VIOLATED 15USC-1681c-2 by failing to remove the Accounts listed within the FRAUD IDENTITY THEFT SUBMITTED TO THEM, AND HAS DELETED SEVERAL ACCOUNTS THAT WERE IN GOOD STANDING, AND HAS INTENTIONALLY KEPT INFORMATION REQUIRED BY LAW FOR DELETION.

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 2022-09-28 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: GA

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 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 explanation
Consumer complaint received 2022-09-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, 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 2022-09-28 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: GA

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-09-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
My car was broken into XXXX of 2016 and a backpack containing my personal information was stolen.

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 2022-09-28 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2020

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 2022-09-28 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Here 's the short version : I recently opened a dispute about a charge on my card, by a hotel at which I didn't stay. The credit card refunded the disputed amount, the merchant refunded a somewhat smaller amount ( thereby admitting they were at fault ), the credit card therefore rebilled the double-refunded portion ( so that I wouldn't get double credit, which is completely fair ). They've now resolved the dispute by rebilling the *entire* amount. 

But that doesn't make any sense : the merchant agreed that they owed me some portion of the dispute ( hence their voluntary credit, which was rebilled so as not to double-count ). The credit card company has " resolved '' the dispute by finding that the original charge was valid. But how could the original charge be valid if the merchant admitted that it was not valid? 

Here are the original details. I was charged {$630.00}. I disputed XXXX of that charge, since I did not receive the provided service. ( I then received a credit for that amount ). I was then credited by the merchant for {$360.00}, thereby admitting that they owed me for ( that portion ) the dispute. The credit card company noticed that credit, and so rebilled my account for the {$360.00} ( since I had been credited the XXXX, and it didn't make sense to receive two credits ). 

The card company is saying that they're rebilling the XXXX remaining in the XXXX credit. But that doesn't make any sense. The merchant AGREED that they owed me {$360.00} ( and I think they owe me more ). But in any case, how can they possibly owe me any less?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.

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 2022-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 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 explanation
Consumer complaint received 2022-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 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 explanation