vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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:
Consider this a follow-up request to my earlier request last time. 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 Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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 2022-12-22 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:
Consider this a follow-up request to my earlier request last time. 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 Balance : {$0.00} ; XXXX  XXXX Balance : {$2000.00} ; THE XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: WA

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX 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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been disputing this account every month since XXXX. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late XXXX times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and XXXX all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless Capital One tells them to, so they update the account each month with more inaccurate data than the month previous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: MA

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-22 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: GA

Complaint narrative:
Dear CFPB, I am filing complaints against the big three credit bureaus Experian, XXXX, XXXX, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. 
The erroneous information is still in my file although they said it was removed. 
Please see the attached correspondences. 

XXXX. In reference to the Public Records issue, I contacted the third-party entities who didnt have my permission to relayed the inaccurate information. As of XX/XX/2022, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, confirmed my Permanent Opt-Out, see the attached letters. Experian, XXXX, and XXXX claim to have completed investigations as of these dates listed and confirmed & verified the Public Record as of XX/XX/XXXX, for XXXX, XX/XX/XXXX, XXXX and XXXX XXXX, for Experian. The Public Record is indeed inaccurate, had the credit bureaus completed an actual investigation they would have confirmed this. Please delete this from all three credit files and reports. 
XXXX. Experian is erroneously reporting that I have a spouse or co-applicant man named XXXX. Not only am I not married, but I am not nor have I ever been a XXXX or XXXX. This is outrageous and libelous. Please deleted this from my report and file. 
XXXX. Please deleted the fraud statements from all three credit bureaus and files. 
XXXX. Please delete the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX XXXX, FL, XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX. XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please delete the incorrect & outdated employers : XXXX never worked for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

Experian, XXXX, and XXXX have been asked previously to make these changes but havent done so to date and has adversely affected my overall credit status and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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:
What else should I say? Again, this situation is making me sick! Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC and Police Report claiming I was a victim of ID theft. I'm attaching the report for your records. This fraudulent account should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I was the victim of a scam using XXXX. The financial institution said they will not refund the amount because I authorized/ initiated the transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TX

Complaint narrative:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I keep having ongoing issues with my bank Wells Fargo. Firstly, I get XXXX. There was a time in XXXX when I could not access, my money because they would not let me access it because I had a municipal Photo ID which they would not accept. I could not get to the XXXX due to homelessness and I was having serious trouble finding help with any agency in XXXX XXXX. I had about {$2000.00} in the bank with no way to touch it because they would not allow me to withdrawal. They would allow me {$100.00} at a time, daily, but how could I pay bills with that. 
One manager said to me " didn't I give you {$100.00} yesterday '', I said " excuse me, I manage my money, you do not manage my account '' I was appalled. It was on XXXX XXXX in XXXX, XXXX It XXXX XXXX XXXX for a while before I withdraw-ed all my money and went to another bank. I had to come back to Wells Fargo because I'm having problems with credentials and it was just easier. I keep getting my bank card/ wallet stolen for a while due to XXXX XXXX XXXX XXXX XXXX XXXX. I need help. 
I've been to Wells Fargo and I need you to look into these potential bank card numbers. They tell me to call customer service but I explain to them I'm hearing impaired and I need help and I'm brushed off. My sisters aren't around and won't help me, I'm alone. I just got over XXXX XXXX which was difficult due to the masks because I read lips and I'm constantly dealing with people stealing or ridiculing me. I need help. I keep trying to place police reports but I'm not being taken seriously. I have photos I've collected for years, but no one has asked to see them. 
My face is even showing up on XXXX XXXX and my family is XXXX XXXX saying it isn't me. I have a tons of photos and I believe I'm also not receiving the benefits I deserve. Not to mention the {$18000.00} in XXXX I put in for working 11 years at my former brand before the pandemic made me unable to work due to communication issues. 
I'm also having issues with XXXX that Ive just sent a report to the FTC I could go into detail but Im experiencing similar issues. 
Please take the time to read all of this. I'm still homeless and barely getting by. I don't know what to do anymore and any assistance from you would be greatly appreciated. 

Thank you for your time, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I was financially stable at beginning of contract XXXX XXXX XXXX and other information pertaining to unlawful arrest cause me to be deliquent 322 days the financial lender gave me a loan for XXXX in all o have paid XXXX of the principal amount over XXXX XXXX dollar in service payment fees the balance is left is XXXX of interest I have defaulted on payment negotiation due to circumstances of job hrs reduction I have agree to pay XXXX but ask for a extension until XX/XX/XXXX the lender is known for fraud of customers paying on vehicle with high interest and repossession and manipulation the lender isnt willing to comply with consumer rights and have cause me economics loss lender Credit acceptance corporation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my Amazon Credit Card on time every month. At this point, I have a credit of {$92.00} that I never received. My credit card was closed. The customer service represented that I had XXXX checks that did not clear the bank. I had a checking account with XXXX XXXX that direct deposit to Amazon. I discontinued the direct deposit and paid Amazon directly. However, the XXXX XXXX account still was sending Amazon payments without any funds. In XXXX, I stopped the payments from XXXX XXXX. 
When I contacted XXXX XXXX XXXX XXXX, that stated that it was a mistake that the bill pay account was still being used. 

My account was never delinquent and I have a credit of {$92.00}.

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 2022-12-22 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: TX

Complaint narrative:
I contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME : XXXX XXXX XXXX : {$4800.00}

Company response to consumer: Closed with explanation