vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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 am a victim of identity theft afterI lost my wallet on. XXXX XXXX XXXX and I was also a victim of a few data breaches including the XXXX data breach. I have multiple unauthorized accounts on my credit reports, and every time I dispute with the credit bureaus, the accounts always come back as updated. XXXX and XXXX have deleted some of the accounts, but experian always deny to investigate my dispute properly. Their website states it takes 30-45 days to dispute fraudulent accounts, but they always investigate my disputes under 30 days and just update the accounts. I have reached out directly to the creditors to dispute, but I wanted to file a complaint against mainy experian, and and the two other bureaus. What do I do? Also the last four social experian has for me on their site is wrong it doesn't belong to me. I have disputed that as well, and some addresses I never have been associated with, but it never fails, Every time they they update my accounts after my disputes.

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX I sent XXXX to the XXXX XXXX  via PAYPAL for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I received the XXXX 's I got the XXXX XXXX framed and once I had saved the money I was going to get the XXXX XXXX framed. Due to a XXXX XXXX I was forced to sell these XXXX 's for family expenses. When I went to sell the XXXX XXXX the buyer said the XXXX was a fraudulent a FEDERAL CRIME. We then went to the web site of the company that supplied CERTIFICATE OF AUTHENTICITY with the XXXX. You can only imagine our surprise when the website was a XXXX XXXX XXXX. I immediately contacted the seller he offered to replace the XXXX  with one from his own company, something I compared to having the fox watch the hen house. He refused to return my money. I then filed a complaint with PayPal. That was the beginning of a nightmare of lies, confusion, and twisting my words by PayPal. They continually changed the amount I requested and the reason 's I wanted my money back.They did a horrible job of protecting my interests. They first decided in my favor but they demanded the wrong amount, I was only entitled to {$550.00} they kept asking for {$1500.00}. No matter how times I told them that was the wrong amount. I then got into an argument with an unstable employee and she informed that she was going to change my favorable decision into a denial. I finally received a provisional credit for {$950.00}. Which was reversed on the grounds that I bought the jersey 's to sell them which was never the case. The point is that PAYPAL is aware that I was sold fraudulent sports memorabilia jersey which is a FEDERAL CRIME. And is now demanding that I return the {$950.00}. I have no intention of doing this cause I DID NOT BREAK THE LAW, XXXX XXXX XXXXXXXX DID WITH PAYPAL 'S KNOWLEDGE AND BLESSING. I respectfully ask that the CFPB intercede on my behalf and correct this horrific miscarriage of justice. And punish PAYPAL for being duplicitous in this CRIMINAL BEHAVIOR. I will be more then happy to supply a plethora of E-Mails between myself and PAYPAL to buttress my complaint upon request of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept of ED/XXXX  XXXX # XXXX has violated my rights. 

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.

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 2022-05-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Dept of ED/XXXX  XXXX # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Public Record - Today I contacted the District of Maryland located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX with the phone number XXXX They informed me that they do not supply information the third parties. How did you verify this public information? Chapter XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/2016 ;

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 2022-05-03 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete 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 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 2022-05-03 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX # XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I was checking my credit score I had seen it went down. I seen XXXX new credit inquiries with XXXX different XXXX company/bank, Capital one and XXXX. I never opened an account with them the only account I have is with XXXX XXXX. And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with XXXX XXXX also which was not me. I want these accounts closed and I want this to stop from now on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I was checking my XXXX XXXX I had seen it went down. I seen XXXX new credit inquiries with XXXX different XXXX  company/bank, XXXX XXXX and XXXX. I never opened an account with them the only account I have is with XXXX XXXX. And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with Wells Fargo also which was not me. I want these accounts closed and I want this to stop from now on.

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 2022-05-03 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: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open XXXX XXXX XXXX XXXX Balance : {$750000.00} XXXX XXXX XXXX XXXX Balance : {$740000.00} XXXX XXXX XXXX Balance XXXX {$34000.00} )

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 2022-05-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX, I noticed inaccurate info on my credit report, I send Trans Union, a letter on XX/XX/XXXX requesting the inaccurate info to be removed and other things I noticed. ( Please see XXXX XXXX. 

XXXX. Trans union responds XX/XX/XXXX in what appears to be a stall tactic letter Please see XXXX XXXX XXXX does not address the inaccurate info at hand only stating it appears I am using a third party. 

My letter on XX/XX/XXXX did not come from anyone other than myself. I included a copy of my identification and proof of mailing. The letter never addressed removing the wrong name/address on my account or any of the other things stated on XXXX XXXX. 

So I sent another letter to Transunion, ( Please see XXXX XXXX ) stating the letter came from myself along with a copy of the ( XXXX XXXX ) requesting the inaccurate info was removed again. After requesting to waiting XXXX days, and no response, I can Transunion XX/XX/XXXX @ XXXXXXXX XXXX to find out why haven't I received a response to the letters I've sent. 

Trans union XXXX refused to remove the incorrect name off my report and the incorrect address, until a supervisor intervene on the call. When I asked them regarding the other inaccurate info, the representative kept asking would like to dispute? I said no, As I have already disputed the info in writing twice. I was told they did not open the letter. I asked them to honor my request of removing the info from my report for failing to report accurate info as required by law. 

Trans union refused. The gentleman kept asking over and over did I want to dispute and I replied NO as this info was disputed over XXXX  days ago. I was so hurt and frustrated I disconnected the call. I want this inaccurate infor as required by law removed off 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 non-monetary relief
Consumer complaint received 2022-05-03 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: MD

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/2022. And now we are in the month of XX/XX/2022, 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. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2022-05-03 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: MD

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/2022. And now we are in the month of XX/XX/2022, 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. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2022-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
in accordance with the fair credit reporting act Kohls, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States A Consumer Reporting Agency can not furnish A account without my written instructions.

15 USC 177B : 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 explanation
Consumer complaint received 2022-05-03 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: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open XXXX XXXX XXXX XXXX Balance : {$750000.00} XXXX XXXX XXXX XXXX Balance : {$740000.00} XXXX XXXX XXXX Balance XXXX {$34000.00} )

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 2022-05-03 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: OH

Complaint narrative:
Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX $ XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX AD 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am dealing with a derogatory account with XXXX XXXX XXXX on my consumer report. XXXX XXXX XXXX sent me a letter stating the tradeline will be deleted, but it is still showing on my consumer report. Due to the furnisher erasing this account, please remove this account from my consumer 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my XXXX credit report in violation of the Fair Credit Reporting Act Section XXXX ( XXXX XXXX XXXX XXXX ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. XXXX Additionally I respectfully request an investigation of THD/CBNA account XXXX, and Inquires : " XXXX '' dated XXXX XXXX report and CAPITALONE dated XX/XX/XXXX on my XXXX XXXX. XXXX concerned my personal information XXXX have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX FCU is my Accounts ] ], Thank you again, Be Well ....

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