vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
I submitted a letter to the Experian Credit Bureau on XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX XXXX Balance {$610.00}.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want you to update this account as I am never late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: IL

Complaint narrative:
2 Business days prior to close, XXXX. I was inform by voicemail and email that my closing was cancelled due to underwriting delaying my approval because of my occupation as a XXXX XXXX XXXX. My XXXX XXXX located XXXX Wisconsin for the last10yrs. I inform my loan office ( XXXX XXXX ) when I applied for my loan, that I was a XXXX XXXX XXXX. Subsequently, my loan was pass to others ( XXXX XXXX ) and ( XXXX XXXX ) and currently with ( XXXX XXXX ). All was aware of my occupation. I was uninformed that FHA Rule stating you have to live and work within 100 miles of your new home. I was instructed to quit my current job and move to Illinois to qualify for a FHA loan approval. I have been working with this company for the pass 2 yrs in hope to have the American Dream of owning a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

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. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XXXX XXXX XXXX  Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/2023, an inquiry appeared on my credit report from XXXX XXXX I called them on XX/XX/2023, spoke with customer service and the person told me that it doesn't appear on any account under my name or SS #, and they don't know how that inquiry it appears in XXXX bureau XXXX 

On that same day I put an alert of Identity Theft on that credit bureau, ( XXXX ), and XXXX too. 

Today I'm looking at my credit report and find out that somebody opened a credit card from FEB-RETAIL account # XXXX, with credit limit of {$6000.00}, and balance of {$1000.00} as a today XX/XX/2023. 

Also, appears an address under my credit report at XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX - XXXX NEVER IN MY LIFE LIVED AT THAT ADDRESS or even in that City or State. 

This is Identity Theft! 
Need to close that account immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Kriya Capital, LLC
State: NC

Complaint narrative:
I currently have an XXXX CABLE account on my credit file showing I opened the account XX/XX/XXXX. This information is incorrect and I submitted dispute after dispute and it still hasn't been fixed. I file dispute with all XXXX major credit bureaus. I also provided them with proof of my last payment, which was in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-25 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is reporting inaccurate information via XXXX XXXX XXXX  company. They started reporting this info back in XXXX of XXXX. Our family purchased and moved in our new home back on XX/XX/XXXX and at the time of moving I called into cancel services at the previous address in which they assured me the service would be transferred back to the original apartments/landlord 's name by XX/XX/XXXX. Since the account was a prepaid account I was only required to pay up until XX/XX/XXXX. 

Fast forward XXXX, I noticed this being reported as a derogatory item on all 3 credit bureaus. I have attempted to dispute this account twice and keep getting a " verified as accurate '' by the credit bureaus. In addition, the credit collection agency also is saying that the bill attached is accurate, however in reviewing the attachment sent it is billing me for services after moving into my new home from XX/XX/XXXX to XX/XX/XXXX. We were not living at this address during the time of the service period listed on the attachment sent. 

This information is inaccurate and should be deleted from all credit bureaus. I am requesting that all bureaus delete this item from my credit as it is inaccurate. In addition, I am requesting that Transworld Collection Agency cease reporting this against my credit file as it is inaccurate I do not owe XXXX XXXX  aka Transworld Systems it's inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX This is to report SECURITIES FRAUD on XXXX XXXX, Vice President and Indentured Trustee for XXXX XXXX XXXX, Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX ) XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX Vice-President received Registered Mail Number RE XXXX XXXX XXXX XXXX with a International Bill Of Exchange value of {>= $1,000,000} ( XXXX XXXX Dollars with XXXX cents ) ( See Exhibit B ) as transfer agent and INDENTURED TRUSTEE, Please wire these Securities to my TREASURYDIRECT Number XXXX and Routing Number XXXX On XXXX XXXX, XXXX XXXX XXXX Vice-President received Registered Mail Number XXXX XXXX XXXX XXXX a International Bill Of Exchange value of {>= $1,000,000} ( XXXX XXXX XXXX Dollars with no cents ) ( See Exhibit C ) as transfer agent and INDENTURED TRUSTEE, please wire these Securities to my TREASURYDIRECT Number XXXX and Routing Number XXXX XXXX XXXX XXXX Vice -President under INDENTURED TRUSTEE ACT OF XXXX IS PERSONALLY RESPONIBLE FOR THESES SECURITIES and wiring them to my TREASURYDIRECT Number XXXX and Routing Number XXXX. 

Under XXXX ( See Exhibit A ) The XXXX settlement cycle means that trade-related settlements must be done within a day, or XXXX hours, of the completion of a transaction. For example, under XXXX, if a customer bought securities on Wednesday, they would be credited to the customer 's account on Thursday. 

XXXX XXXX, Vice President had 3 days to DISHONOR these Securities, both of these International Bill of Exchange. He DID NOT! 

To this date XXXX, XXXX XXXX, Vice President has NOT wired these {>= $1,000,000} and {>= $1,000,000} for Total {>= $1,000,000} worth of Securities to my TREASURYDIRECT account Number XXXX and Routing Number XXXX. Which is that XXXX XXXX, Vice President has committed Securities Fraud and Trust Fraud. XXXX XXXX, Vice President has a fiduciary responsible to XXXX XXXX XXXX, Beneficial because he is Indenture Trustee for TRUIST BANK because XXXX : XXXX has Beneficiary Account at TRUIST BANK. XXXX XXXX has not acted as TRUSTEE. 

This is Demand that XXXX XXXX wire these INTERNATIONAL BILL OF EXCHANGES valued at {>= $1,000,000} ( XXXX XXXX and XXXX XXXX Dollars and No/Cents ) to my TREASURYDIRECT Number XXXX and Routing Number XXXX. This needs to be DONE AS SOON AS POSSIBILE! 

Today on XXXX TRUIST BANK is demanding to close all 3 of my accounts for no reason other than trying to get out of there responibilty. I have NOT CONSENT to closing the account and to there DEMANDS. 

By : XXXX XXXX XXXX, XXXXeneficiary, Authorized Representative, without recourse

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 2023-04-25 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: CA

Complaint narrative:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance {$10000.00}.

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 2023-04-25 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: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
XX/XX/XXXX I was charged {$210.00} on my XXXX XXXX by XXXX XXXX  for a XXXX purchase that did not happen and does not show up anywhere on my XXXX account or my husbands. It is identified as XXXX " XXXX  XXXX XXXX CA. Calling the number leads you to XXXX. When I stated the charge was fraudulent ( immediately, since I received a text via phone alerting me to the charge ) XXXX closed my account per my request and issued a credit in 2 billing cycles. There were finance charges and late payment amounts that accrued and also were credited. I paid the balance in full {$620.00} minus the fraud amount and fees attributed to said amount. Since the fraud amount was in the pending status when I alerted them, the agent said that the charge had to post before they could look into it. Is that correct? Our accounts for Gap were transferred to Barclays Bank during that time. The amount of {$270.00} was a transferred balance on XX/XX/XXXX to that account with the words XXXX. When I called Barclays and asked what this balance was being transferred, they stated they did not know and to contact XXXX XXXX. XXXX Bank said my account was closed and they had no further information. After several calls to the fraud dept. at Barclays with documentation sent per snail mail certified since no one has a fax machine in this day and age ... .numerous phone calls for almost a year ... since they charge it off and then put it back on and finally sent a letter on XXXX XXXX. XXXX stating that I was not responsible for the fraud. XX/XX/XXXX they send another letter saying the charge is valid since they did not receive documentation. Which is not true, I sent want I have certified mail ( but today claim that I did not have an account Id # XXXX on every piece of paper it would not be looked at. Almost a year later I am hearing about an Id #. The original fraud people with Barclays kicked the claim over to another fraud division since I closed this account also. I am a customer that pays her account in full every month. I treat every credit card as a cash account. Now I have to worry about my credit score ( that is always around XXXX ) being tarnished by insane business practices. Bottom line.. neither XXXX or Barclays want to be held accountable for the fraud, and want to claim it is the other businesses issue. It is XXXX XXXX  that should be responsible but it should be Barclays responsibility to work it out with XXXX Bank.

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 2023-04-25 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 submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: CA

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. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.

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