vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
To all XXXX XXXX publishers and providers of FRAUDULENT INFORMATION. EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF EBER RECEIVIMG PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
I am writing this letter to you regarding account XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.

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 2023-01-17 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: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-01-17 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
On XX/XX/XXXX major fraud started on my account. My information was compromised and a fraudster added bank accounts to my account, made fraudulent payments, spent the money at XXXX stores and returned the large payments. They spent over my credit limit. My total balance was {$6100.00} before the fraud messed up my account. I received a letter in XXXX from XXXX saying they removed the fraud and I would not be responsible. However, my current total says {$9200.00} and is still showing the fraudulent payments and interest from fraud. My minimums went up and I still do not have the original balance plus my continued payments showing. I was also promised a new card was coming multiple times, monthly during the last 9 months. I have continuously called, emailed XXXX XXXX and presidents office. I have not received a call back from the presidents office for help. I received a letter that said there was nothing to change. Which is incorrect. I should not be punished for fraudulent activity, a closed account without my knowledge, no working card for 9 months, and have to track them down for help continuously. This needs to be fixed as soon as possible. This is ruining my credit score and i should not be punished for fraud or a companys mistake closing my account without my consent. I want a new card as promised, the fraud removed from my old account, and credit for my continued payments of {$810.00}. It should not take 9 months to fix a fraud problem and get contacted back with help. I have been a loyal customer for years and this treatment has really left a bad taste in my mouth. The fraudulent payment activity is as follows : XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$5800.00}, XX/XX/XXXX {$9300.00}, XX/XX/XXXX {$8900.00}, XX/XX/XXXX {$9800.00}, and XX/XX/XXXX {$9300.00}. These were made with fraudulent bank accounts that were made, spent, and returned without my knowledge or consent. As soon as I realized what was happening I called XXXX XXXX and they told me they removed these bank accounts from my account and flagged them for fraud. I had also saved up over XXXX airplane miles on my account, which is why I chose XXXX and lost all of them because I was just told I needed to redeem them within 30 days of a closed account I didnt know about or agree too. Nor could I redeem them because my account was closed

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 2023-01-17 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-17 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-17 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: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX and XXXX of 2022 I had unauthorized purchases on my account. I went to XXXX XXXX store in XXXX and got a print out of purchases. My son, who is XXXX and lives with me made purchases on his XXXX XXXX online account using my credit card.I disputed these charges and canceled card. Citibank initially denied the disputes based solely on the fact that my son has the same address as mine. I was never contacted by anyone from Citibank regarding the charges I disputed. I sent a letter to them and they re-opened the claim. Again, no one reached out to me and they closed the claim a XXXX time. 
I have several claims reported with other financial institutions and have filed a police report in this matter against my son. Citibank only asked if an arrest had been made which has not happened yet. 
I feel no investigation has been done since they never received any type of statement from me nor even reached out to me.

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 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I submitted a dispute with XXXX over two medical debts listed by XXXX XXXX. One, in the amount of XXXX has been removed from my credit report on XX/XX/XXXX, the other for XXXX hasn't yet been removed. The dispute says it's still being investigated but they are debts to the same medical practice, so both should have been removed, the dates of service are one month apart. The practice that reported the debts is located in New Jersey and medical debts are removed after five years. 

Also, my credit score should have gone up by XXXX points due to the removal of one collection debt but it has actually been lowered by XXXX points. No other issues can be attributed to the lower score. In XXXX of XXXX, my XXXX score was approximately XXXX, when I paid off and paid down credit card debt my score dropped to approximately XXXX. It seems that no matter how I try, XXXX is not using an equal reporting scale as XXXX XXXX or XXXX. My score for those two agencies are in the XXXX. I have tried several times to find out how to get a fair score from XXXX, but not one customer service representative can help and will not connect me with someone who could.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 XXXX 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 2023-01-17 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: TX

Complaint narrative:
I am writing this letter to you regarding account XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
I am writing this letter to you regarding account XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.

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 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
This is happening constantly over and over, Identity Theft, PARAGON REVENUE GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and collecting from the state filing number. They are stealing. I do not know who this company is and have not authorized any use of this information and they are causing defamation of character and threatening the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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
Consumer complaint received 2023-01-17 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: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I opened the car loan in XXXX, got my car repossessed due to a missed payment and paid the amount plus fees to get my car back in XXXX. In XXXX I paid off my car loan and to this day XX/XX/XXXX its still on my credit report affecting it negatively.

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 2023-01-17 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: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX 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 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I send money from Zelle but apparently someone hacked the account of the person I sent the money.

Company response to consumer: Closed with explanation