vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
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 XXXX Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian, XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$2700.00}

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galaxy Capital Acquisitions, LLC
State: AK

Complaint narrative:
n XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I paid for a car repair on XX/XX/XXXX with my debit card. 3 months later I had the same problem. I approached the dealer but he refused to refund. I went to Chase bank. I put in a dispute on XX/XX/XXXX. At the time I was not told of statute of limitations. They credited my account for {$3600.00}. Then 3 weeks later they reversed it. My account was overdrawn. I feel that I was treated unfairly. I should have been informed of this policy. I want the bank to reimburse me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please review and I urge fallowing errors, inconsistencies, inaccurate and omissions I was able to find on my reports According to the FCRA you must have the most possible accuracy As shown clear is and apparent that this doesnt meet the standard required under the FCRA The data of last delinquency is required to be shown and is not showing in this report Please delete this account as it violation of FCRA The account field is inconsistent as although this is just one account credit bureau are showing different numbers TransUnion shows the account number with 4X appended to a number and XXXX is also showing an account with the 10 X appended As I can not validate the account or multiple accounts According to the XXXX you it is required field and should show the individuals complete and unique account information from the file This can not meet the requirement of maximum possible accuracy please delete the account The Last Activity Field is XXXX  XXXX this is just one account Credit Bureau are showing different dates TransUnion shows XXXX and XXXX is showing XXXX I am not sure how a single account can have different dates for the last activity field wouldnt any notation of last activity I dont think this is a stay well or meets the FCRA standards retro obtained maximum possible accuracy Please dele this account The high balance Field is inconsistent as although this is just one account the Credit Bureau are showing TransUnion shows XXXX and XXXX is showing Blank Please send me a explanation as how a single account can show different values Something called high balance should be the same Please delete the account The payment history information field needs to be investigated and either completely fixed or this account should be removed in its entirety TransUnion is missing All payments information from the date this account was opened in XXXX This means my account could miss 5 years of excellent credit history Your own internal and industry accepted guidelines both rely both all accounts to be reported at least one every 30 day Experian I noticed after you start reporting on this account there was a missing data Any missing data is a violation of FCRA as the information affects my score Please investigate the data for the following months that are missing information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Payment History is XXXX  I was 30 days late on XX/XX/XXXX I dont have any records showing this Please remove the account unless you can see me something proving I was in fact late 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 2023-04-07 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: AZ

Complaint narrative:
Please review and I urge fallowing errors, inconsistencies, inaccurate and omissions I was able to find on my reports According to the FCRA you must have the most possible accuracy As shown clear is and apparent that this doesnt meet the standard required under the FCRA The data of last delinquency is required to be shown and is not showing in this report Please delete this account as it violation of FCRA The account field is inconsistent as although this is just one account credit bureau are showing different numbers XXXX shows the account number with 4X appended to a number and Experian is also showing an account with the 10 X appended As I can not validate the account or multiple accounts According to the XXXX you it is required field and should show the individuals complete and unique account information from the file This can not meet the requirement of maximum possible accuracy please delete the account The Last Activity Field is XXXX  XXXX this is just one account Credit Bureau are showing different dates XXXX shows XXXX and Experian is showing XXXX I am not sure how a single account can have different dates for the last activity field wouldnt any notation of last activity I dont think this is a stay well or meets the FCRA standards retro obtained maximum possible accuracy Please dele this account The high balance Field is inconsistent as although this is just one account the Credit Bureau are showing XXXX shows XXXX and Experian is showing Blank Please send me a explanation as how a single account can show different values Something called high balance should be the same Please delete the account The payment history information field needs to be investigated and either completely fixed or this account should be removed in its entirety XXXX is missing All payments information from the date this account was opened in XXXX This means my account could miss 5 years of excellent credit history Your own internal and industry accepted guidelines both rely both all accounts to be reported at least one every 30 day Experian I noticed after you start reporting on this account there was a missing data Any missing data is a violation of FCRA as the information affects my score Please investigate the data for the following months that are missing information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Payment History is XXXX  I was 30 days late on XX/XX/XXXX I dont have any records showing this Please remove the account unless you can see me something proving I was in fact late 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 2023-04-07 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: OH

Complaint narrative:
Fraudulent inquries appearing on credit report appearing on credit report. 1. XXXX XXXX  2. XXXX XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I was extremely tight on money and needed emergency funds until my hours picked up. Tower Loan sent me a live check multiple times after I had gone online to opt out of prescreened offers. I had planned on paying as soon as hours picked up, but that has not yet happened, so have been unable to pay. This company has been calling me multiple times a day, theyve called my family that I did not provide as references, and have called to harass me at work. They have regularly called from personal numbers, and XXXX, who apparently runs their office, has threatened to come harass my managers in person, called after I spoke with someone else in the office ( same day ) as well as randomly dropping by my house to bother my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: AZ

Complaint narrative:
Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just XXXX account credit bureau are showing different numbers.TransUnion shows the Docket number as XXXX XXXX shows XXXX and XXXX shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at XXXX or multiple accounts The fallowing fields are inconsistently between the XXXX Credits Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just one account credit bureau are showing different numbers.XXXX shows the Docket number as XXXX Equifax shows XXXX and XXXX shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at one or multiple accounts The fallowing fields are inconsistently between the 3 Credits Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: CA

Complaint narrative:
This agency has been known to mix up credit information between individuals with similar names and social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over XXXX  days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: OH

Complaint narrative:
Fruadlent Accounts and inquiries appearing on credit report. 

Accounts XXXX. XXXX XXXX {$920.00} XXXX. XXXX XXXX {$640.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EAST WEST BANK
State: MA

Complaint narrative:
XX/XX/23 : I applied for an account w/Eastwest Bank XX/XX/23 XXXX Bank account XXXX was approved ; I applied for the XXXX XXXX XXXX that EastWest Bank  XXXX XX/XX/23 : My application was declined, no reason was provided XX/XX/23 - XX/XX/23 : I made several calls to EastWest bank , first to their online customer support ( Rep is XXXX  ) , then to the XXXX XXXX XXXX ( rep is XXXX XXXX ) . 

The reps demonstrated some confusion : XXXX recommended I apply as a new customer ( even though I was an existing customer ), I tried and the application just crashed ; XXXX stated that the XXXX card is no longer available. I believe XXXX then spoke to XXXX, so XXXX followed up by recommending that I apply at the bank branch in person. This is difficult, as I live XXXX hours away. 

XX/XX/23 : XXXX requested I forward her the reason for the XXXX card denial, I forwarded her the email ( which did not provide a reason ). I emailed XXXX and she looped in Online Banking ( Rep is XXXX XXXX ) XX/XX/23 : XXXX responded saying that I am not qualified for the XXXX XXXX XXXX, because I am an existing customer. I forwarded XXXX the page from the EastWest Bank website, stating that existing customers are eligible for the XXXX prepaid card. ( I also asked whether I would be eligible, if I closed my bank account, but did not receive a response ). 

XX/XX/23 : XXXX responded as follows : " Upon checking with back office, XXXX XXXX card is available for existing customers. However, we are sorry to tell you that your online application for XXXX XXXX was decline, and the application that submitted at the branch will get the same result. '' XX/XX/23 : I followed up XXXX, XXXX XXXX, requesting they provide a reason for future denials of the XXXX XXXX XXXX. No response. 

XX/XX/23 : I followed up again. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I bought 2 items one external touchpad & one inverter from XXXX for {$52.00}. 
I returned both items on XXXX to XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX 
XXXX said we give you gift card for {$29.00} instead of XXXX. 
XXXX did not give me receipt of delivery of items to them. 
I contacted with the credit card company US Bank XXXX XXXX XXXX XXXX, ND XXXX First they gave me Provisional Credit. Then On XX/XX/2023 They said we don't believe you have given the items to XXXX I sent copies of all of the emails with XXXX on XX/XX/2023. 
I keep contacting with US Bank and they ask for Fax Number. 
There is no Fax Number only the website. 
They refuse to give me credit for {$52.00}. 
Can You help?

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 2023-04-07 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: TX

Complaint narrative:
In accordance with the fair crediting reporting act .The list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX 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 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My consumer report contain errors, inaccuracies, and outdated information that can harm my credit score and financial reputation. These agencies may have different information on my consumer report, which can lead to inconsistencies and errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over XXXX days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation