vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: Unlimited Progress Corp
State: IL

Complaint narrative:
SENT A VALIDATION LETTER ON XX/XX/2022 TO THE COMPANY NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.

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 2022-12-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a XXXX  step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-12-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONCERT TICKETS. NEVER RECEIVED TICKETS AND BLOCKED VIA XXXX. 

XXXX - filed dispute with Bank of America ( case number XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NUMBER : XXXX XX/XX/14 - DISPUTE CLAIM DENIED. Called BOA and was denied reopening my scam case.

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 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone hacked into my XXXX account on XX/XX/XXXX and made an unauthorized transaction. My PayPal account was still connected from my last purchase over a year ago. I immediately contacted PayPal on XX/XX/XXXX and opened a case and within an hour, they closed it saying that the purchase was authorized. I called back and another agent said that he would open an item not received case and to wait 10 business days for an outcome. On XX/XX/XXXX, I logged into my PayPal account and didnt see any active cases, so I called and was informed that that agent on XX/XX/XXXX did not open the case and they opened the case on my call on XX/XX/XXXX. On XX/XX/XXXX, I was informed via email by PayPal that my case was denied! I already contacted my bank after PayPal denied my first case and they assured me that they would step in if PayPal fails to resolve the issue. I contacted my bank and they are now going to resolve this issue. This is so upsetting and has caused me so much unnecessary emotional distress over a fraud transaction. Ive been a PayPal meme XXXX since XXXX and I dont believe they have good intentions for their members and their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
I was not sent notice to dispute the validity of this alleged debt. I am disputing the completeness and accuracy of this trade line that is being reported to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Today i was denied for a credit card. I also have no credit because ive never opened one.

i checked my credit history and seen 3 unauthorized accounts under my name.

Ive been receiving all type of mail from probably more than 5 different credit unions.

over the past year ive have been kicked out of two banks unknowingly After I tried to open another I would be denied back to back I attempted to call and visit my local social security office here in XXXX XXXX XXXX, Florida but theyre communication is so poor I couldnt even get a hold of someone on the phone. Appointments are to be booked online meaning there are no walk ins. 


after i called XXXX XXXX they claimed to have found nothing under my name, but it is on my credit. 

I just got off the phone with syncb/care they wrote a claim. 

Im currently on the phone with 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 2022-12-14 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: IL

Complaint narrative:
Notice to agent is noticed the principal notice the principal is notice to agent. 
I just received my reinvestigation back from TransUnion LLC. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX 15 Usc 1691 15USC 1692 15USC 1681 ( m ) .1 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ). 
I attached a consumer report as evidence.

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 2022-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: OK

Complaint narrative:
It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 cause to believe the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: IL

Complaint narrative:
Notice to agent is noticed the principal notice the principal is notice to agent. 
I just received my reinvestigation back from XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX  # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARDRequested On : XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX OF XXXX via XXXX XXXX OF XXXX ( XXXX XXXX CT, XXXX, IL XXXX Permissible XXXX : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IA XXXX, XXXX XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX ) Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX 15 Usc 1691 15USC 1692 15USC 1681 ( m ) XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ). 
I attached a consumer report as evidence.

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: IN

Complaint narrative:
This form is misleading in that it provides an interest rate without an APR and discussion of closing costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I mistakenly submitted an application with Capitol One on XX/XX/2022. I immediately called the company right after and ask them to remove the account, cancel the card, and cancel the application. They did all of the above. They are unable to reverse the transaction on my credit report. I am asking if this inquiry can please be removed because it was made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD that equal XXXX XXXX from my Cash App account to fraudulent investment firm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX I received a notice from XXXX Synchrony Bank stating that they would be submitting an electronic request to have a fraudulent inquiry generated by the the credit application deleted from my personal credit file that I did not authorize. XXXX Bank has yet to remove this inquiry 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 2022-12-14 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: NV

Complaint narrative:
Experian has not done their due diligence by following reasonable procedures to insure the maximum possible accuracy of the information that they are reporting on my credit file. The presence of these account are harming me! I have disputed the completeness and accuracy of these accounts and requested account level documentation bearing my wet signature, I have also requested the method of verification and it still remains on my credit file with no response back from Experian or the furnisher. Experian seems to have an issue with verifying the completeness and accuracy of information being reported to consumers credit file, and they continue the practice of parroting the response from the furnisher even though they have been repeatedly sued for failing to conduct a reasonable investigation as required by the Fair Credit Reporting Act.

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 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
NOTICE OF DISPUTE You are in receipt of notice under the authority of The Fair Debt Collections Practices Act regarding. It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation you are claiming I may owe, please document and verify the debt by complying under penalty of perjury with this request for validation and verification notice that I dispute part of, or all of the alleged debt.

Pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) I am requesting the following documents to verify your claim is valid and lawful. Please note that I am requesting verified documents under penalty of perjury.

Please provide or produce the following ; ( 1 ) The amount of the debt.

( 2 ) The creditor to whom the debt is owed.

( 3 ) Proof that you mailed me a statement putting me on notice that I had 30 days to respond, or you would assume this debt is valid.
( 4 ) Because I was never notified within the 30 day period as required I am starting my 30 day period today. I am putting you on Notice making it clear to your company that I dispute this alleged debt.

( 5 ) Because you failed to do so I am demanding that you provide me with the name and address of the ORIGINAL creditor.

Pursuant to 15 USC 1592g ( b ) I am requesting the name and address of the ORIGINAL creditor, I am demanding that you cease collection of the alleged debt, or any disputed portion thereof, until your company obtains verification in the form of an affidavit under penalty of perjury or a copy of a judgment, or the name and address of the ORIGINAL creditor, and a copy of such verification or judgment, or name and address of the ORIGINAL creditor, is mailed to me by your company. 

Regards, 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