vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple inaccuracies being reported on my credit report and I have disputed them all through XXXX and Equifax along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: FL

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

These inaccuracies are keeping me from obtaining new credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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:
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

These inaccuracies are keeping me from obtaining new credit

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 2023-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Location Specialists
State: WI

Complaint narrative:
The Company " American Location Specialists '' contacted my employer and my wife ( fiance at the time ) regarding a case that was going to be filed by a payday loan company called " XXXX ''. During the phone conversation, they were unable to provide any proof that I owed any money to this company and represented themselves as a company that just calls and warns citizens before they're about to be sued. They pressured me into paying over {$2000.00} ( I'm still paying monthly ). I had financial trouble about 6 years ago and figured something was coming back to bite me. But recently, I asked this company for proof of what I owed again and the contract of the loan I supposedly signed with " XXXX XXXX and they were unable to provide that information. 

I would like to both submit this formal complaint due to XXXX collection tactics ( calling my employer and wife ) as well as investigate if I should really be paying this company {$200.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Filed a complain with XXXX complaint XXXX. I have an account with td bank for a XXXX I purchased through ramour and Flanigan. I paid down balance from XXXX to XXXX and apparently they said there was deffered interest and amounted to about XXXX. I was set up on XXXX and didn't receive notice/ statement that this was going to happen or I would of just paid it off. I called company and they said there is nothing they can do. I have to pay the XXXX deffered interest charge plus the interest of XXXX dollars a XXXX it was charging. I just feel if there was deferred interest they should send the XXXX statements in the email but instead it just emails you saying a payment is going to come out and doesn't say anything has changed. I looked up td bank and they have XXXX of complaints of similar stories online. 

XX/XX/XXXX charged XXXX}, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged {XXXX}, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged XXXX, XX/XX/XXXX charged XXXX XXXX : XXXX I have since paid off everything owed but this interest left on account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} XX/XX/XXXXXXXX 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
Consumer complaint received 2023-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This occurred on XXXX XXXX We received an email from Paypal about some suspicious charges on our Paypal credit account. We immediately called them to find out what happened. They informed us that a company call XXXX XXXX XXXX had charged us almost {$2000.00} and the recipient was XXXX. The Paypal representative told us to file a claim with the Paypal Resolution Center. We went online and filed the claim but received an email the next day stating that it had been denied. We once again called Paypal to get an explanation but were told that there was nothing they could do. We questioned the reasoning, since we were charged 10 times for the same amount, after midnight on the 12th. Paypal once again told us they could not do anything for us. If you go on PayPal 's web site, their motto is " Trust the way you Pay ''. What a joke!!! We tried to reach out to XXXX and XXXX but could not find any contact information for either of them. My wife and I are senior citizens and losing {$2000.00} is huge for us. I am hoping that you can help us get a refund. Thanks

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 2023-08-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I filed a XXXX complaint to Capital One, about the recurring charge of XXXX from XXXX. Their response from Corporate, to resolve, was to put a block on XXXX count, however It did not work. I was charged XXXX in XXXX and in XX/XX/2023. I need these charges reversed and the recurring charges blocked please. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24 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: MS

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX I have not gotten any copies of the verification process per the FCRA like Im supposed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: MI

Complaint narrative:
On XXXX, I was trying to obtain a payday loan or short term loan. 
I applied for one on line, and then I received a barrage of texts and emails from other lenders, which confused me. 
One company in particular represented that I had already applied and been approved for a loan, but I didn't think that I had actually applied at first. I must have, because they had my credit union account information. 
I looked at the terms and knew that it was a usary rate, so I went looked at reviews of on-line loan companies and ultilmately chose a different one. 
A few days later, {$800.00} was depostied into my checking account by Explore credit, which is the company that I desribed above as having represented that I had been approved for a load that I did not remember applying for. 
When automatic payments to pay off the {$800.00} dollars started coming out of my account, I firgured I should repay the money that they deposited into my account. 
I didn't notice at that time, but the company was taking automatic payments ever two weeks of {$210.00} for an XXXX dollar loan. I noticed two payments, and thought it was coming out monthly. 
In mid-XXXX  of this year, I started receiving texts from Explore Credit about a missed payment. I had been overdrawn, as I am separated and struggling to make ends meet at the moment. 
So I went onto their webiste, and created a login, and went to the portal to schedule a payment. 
The amount that it stated I currently owed was around {$1300.00}. I would state the exact amount, but it changed literally as I watched it, the amount jumped /changed to over {$4000.00}. I think approx {$4800.00}. I was certain this was just a mistake, but then I went into my credit union records, and they had been extracting {$210.00} every two weeks. The total amount that has been paid to date is {$1000.00}. 
I tried texting back one of the representatives that had been texting me, and they urged me to get on the phone to renegoaiate. So then I went to the XXXX XXXX XXXX website, and read many, many complaints against them. They have a rating of an F. 
So then I tried reaching out to the company ( Explore Credit ) on their website, the Contact Us feature. I tried to submit my complaint to them three times, each time I received an error and a message to try again later. 

I am certain that there is some degree of fraudulent activity, and the company does not seem to be in jurisdiction, as it appears to be XXXX XXXX XXXX owned. 

Is there anything I can do legally to settle this without repaying {$4800.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXXXXXX 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 2023-08-24 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/2023 I received a notice in the mail from Bank of America stating an account was open in my name account number XXXX. This action was erroneous and I immediately called to get this account closed. The representative ensured me that the account was closed. I then proceeded to contact the credit bureaus to freeze my credit report. I also contacted XXXX to freeze my account with them. In XX/XX/2023 I received a notice in the mail from Bank of America along with a debit card stating my account was open XXXX. I attempted a gain to get this account closed. I receive a notice dated XX/XX/2023 stated that Bank of America will close the account ending in XXXX because they cant verify my identity. I have gotten XXXX account statements with this account number for XXXX and XXXX. At this point I do not know what to do. I have not now or ever attempted to open an account with Bank of America. Please help with getting this resolved

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 2023-08-24 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-24 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-24 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:
I have a XXXX XXXX XXXX  card that is not mine it showed up on my equifax report on XX/XX/XXXX I would like to remove this card from my file it is not mine

Company response to consumer: Closed with explanation