vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: AL

Complaint narrative:
F

CRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama stated in the letter provided that they do no report or verify to the credit 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 2023-04-20 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: TX

Complaint narrative:
I have sent in Dispute letters to Experian, XXXX, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XX/XX/2023. Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be 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 explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.

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 2023-04-20 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: U.S. BANCORP
State: FL

Complaint narrative:
Im an authorized member on my husbands credit card with US Bank. Since I have been added as an authorized user I have received a credit score. Recently in XX/XX/XXXX there was a missed payment on the credit card which resulted in US bank not reporting my payment history to the credit bureaus. I had a credit score in XX/XX/XXXX and then starting in XX/XX/XXXX my score was removed. I contacted US bank about this 5 times but nobody is able to explain what is happening or what the solution for this would be. I sent a letter to the banks dispute department but they only responded to confirm that my information is not being reported to the credit bureaus, no fixes, no updates or anything. Currently I am still an authorized user but the bank is still not reporting to the credit bureau on my behalf

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 2023-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
XX/XX/ I was approved for the loan of {$1100.00}. The interest rate is 766.76 % and as I pay, the loan amount continues to increase. I am charged every pay day for this loan. When a missed payment occurs, they threaten to contact my employer for wage garnishment. I have XXXXwo small children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: AL

Complaint narrative:
FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama stated in the letter provided that they do no report or verify to the credit 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 2023-04-20 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: CITIBANK, N.A.
State: OK

Complaint narrative:
Someone ( still unidentified ) applied for a credit card using my name, address and social security number from both Citi and XXXX XXXX. Both applications were denied, so a card was not issued, however my identity 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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: WI

Complaint narrative:
( 4 XXXX XXXX XXXX XXXX were purchased through XXXX XXXX under fraudulent/ Identity theft premises in the amount of {$4500.00}. ( 3 ) Purchases were made on two different dates ( XX/XX/XXXX & XXXX ) at two different locations ( XXXX  XXXX & XXXX, XXXX  ) at XXXX XXXX stores.

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 2023-04-20 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: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
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 2023-04-20 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: TX

Complaint narrative:
XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/ TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 

XXXX XXXX .account XXXXXXXX XXXX XXXX .account XXXX XXXX XXXX.account XXXX XXXXXXXX XXXXaccount XXXXXXXX XXXX XXXX.account no. XXXX XXXX XXXX no. XXXX XXXX XXXX XXXX.account XXXX & account XXXXXXXX XXXX XXXX  .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


EXPERIAN WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF EXPERIAN BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED EXPERIAN TO DO SO. 


XXXX XXXXaccount XXXX XXXX XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXXaccount no. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX no. XXXX XXXX XXXX XXXX XXXX XXXX no. XXXX & account no. XXXX XXXX XXXX XXXX no. XXXX EXPERIAN WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I purchased a {$200.00} XXXX gift card. The service provider is Vanilla. The company 's website states the card can be used online or in stores. I attempted to use the card online and the charge was declined. I went to Vanilla 's website and attempted to double check my balance; assuming maybe they held the funds but the website stated there was a system error. I contacted the customer service number on the back of the card. I waited on hold yesterday for 2.5 hours with hold music and never got to speak with a representative. I attempted to use the card again today and it was declined again. I tried the number on the back of the card again and have been on hold for over an hour. After researching the company, there are multiple complaints of fraud with this company stating the cards can't be used after purchase, funds disappear from the card after customers attempt to use it, and customers are never able to get in touch with a customer service representative to assist them after the card is declined. I, like many other consumers, want our money back from this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I open an account with Wells Fargo in XXXX, Nevada on XXXX XX/XX/XXXX. I deposited six checks, the check the bank is stating is fraudulent is from XXXX XXXX XXXX XXXXy XXXX XXXX issued on XX/XX/XXXX check number # XXXX for the amount of {$20000.00}. The check was from XXXX XXXX XXXX XXXX. Wells Fargo has stated this is a fraudulent check will not process this check unless I provide two letters one certified from the XXXX and one from the bank XXXX in which by I was told they do not write letters by the agency XXXX. I have talked to multiple agents approximately six agents from each agency XXXX and Wells Fargo on XX/XX/XXXX and XX/XX/XXXX I finally called the lawyer, who is in my lawyer for the XXXX XXXX XXXX XXXX XXXX XXXX, Lawyers, XXXX, XXXX, and XXXX, XXXX. 
So my checking account will be closed on XX/XX/XXXX due to me depositing a fraudulent check. 
I have been receiving these checks for the last four years. Thank you for your 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 explanation
Consumer complaint received 2023-04-20 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a old navy visa card with XXXX XXXX. Last XXXX  Baclays took over and issued master card. I charged my card with XXXX XXXX for water filter. First charge {$6500.00} and another charge {$2400.00} total {$8900.00} from XXXX XXXX XXXX ( XXXX XXXX ) XXXX or XXXX XXXX  XXXX sent email and phone verified with credit card company that I returned everything to XXXX XXXX  XXXX and I do not owe anything to XXXXXXXX XXXX XXXXXXXX. XXXX XXXX issued credit to my account before transfer. Barclays charged my card {$8900.00}, plus interest and late fees. They refuse to give credit to my account. They closed my card and informed credit report agency. My score is very low regarding the complaint. My other credit card company lowered my balance because of that. I receive statements from barclays every month with late fees for non payment ( {$8900.00} ).

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reached out to both the creditors and the credit reporting agencies telling them to verify and validate the debts for which I have been getting nothing but pushback. All of my disputes which make 7 disputes asked them to show the method of verification of how they are reporting this information. Nothing except that the information is coming back as verified. Someone is not doing their job or the method they are using to verify is very flawed. According to the FCRA, all information is to be 100 % across the board. EVERYTHING IS TO MATCH if it doesn't match or can't be verified then that item must be deleted. As a consumer, I should not have to point out the discrepancies when they are the ones who are reporting the errors. I have repeatedly submitted to them that the information is inaccurate and needs to be fixed, yet I get NOTHING BUT THIS ITEM BELONGS TO YOU AND HAS BEEN VERIFIED. I am baffled as to how the items I am disputing are being VERIFIED. I have been disputing the same items for the last 7 months and because of the inaccurate reporting and not doing their due diligence of making sure the items being reported on the consumer file are 100 % correct I am now living on the street with nowhere to go because no one will approve me for housing ; due to low scores. Something needs to be done and trying to correct this information after I have shown where the inaccuracies are coming from should not be an option. I have given the creditors and the CRAs enough time to get it RIGHT. I NEED THESE ITEMS DELETED. I will also be sending a certified letter to my ATTORNEY GENERAL -- XXXX XXXX which this information as well to see what he says about the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 15 U.S.C 1681c. ( 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 cause 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 2023-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian continues to disregard my requests and also disputes. I called and spoke with several agents until i got to the fruad department and she said her name was XXXX and that was it. I asked for her employee number or ID but she declined but then spoke about that they will not put in another dispute or remove none of the XXXX XXXX Accounts that are reporting on my credit file as charge offs and sold to another debt collector. When i spoke about my consumer right and they information what is reporting inaccurate she then spoke and still said that whatever i disputed and came back verified that is accurate an what the creditors said but im like thats hearsay and I sent document asking for proof of verifation methods but they ignored my letters but say my account or verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
Because L J ROSS ASSOCIATES IN continues to report unverified, incorrect, and inaccurate information, this complaint is directed again at L J ROSS ASSOCIATES IN. I sent them a letter and called them even with respect to supposed obligation of the record reflected in my credit report wherein I was never told of this supposed obligation. This collection agency is violating the CFPB 's new Debt Collection Rule, which takes effect on XX/XX/2021, by reporting an unsubstantiated debt without providing proper notice prior to reporting. 

My privileges has been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have twice disputes XXXX over a collection account ( XXXX ) whose lender was Syncrony Bank and I never took out this card but someone who stole my identity. I have sent them irrefutable evidence and they continue to confirm the debt ( Dispute XXXX of XX/XX/2023 and file XXXX XX/XX/2023 ), while XXXX has removed this from my file ( XXXX of XXXX XXXX ). I have also disputed and attached everything required by SyncronyBank. 

This situation has caused me great damage since I am in the process of refinancing with XXXX XXXX for my house and this has not allowed them to release it. It was with them that I discovered that we had this situation. 

The address and details on that card are not true as I have never lived outside of New York State. I understand that XXXX has not done an objective investigation or analyzed all the documents supplied : utily bills, my commercial data, XXXX  and XXXX  of my own house, etc. I need an investigation and 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 explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
XXXX and Transunion are continuing to report inaccurate information on my credit report. I've tried to fix an error many times, but this request has fallen on deaf ears. On XX/XX/23, I sent dispute letters to the above credit reporting agencies informing them that the account ATTORNEY GENERALXXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. Transunion is also reporting the wrong balance. How does this meet FCRA requirements? XXXX is the only credit bureau that investigated the account and updated it. I will attach the credit report showing the inconsistent information. The late payment should be deleted immediately because I was never late, and because your information does not match, and I can take this to small claims court but at this time I am only asking for the account to be updated.

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