vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXX XXXX 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I placed an order through XXXX ( XXXX # XXXX ) on XX/XX/XXXX for a total amount of {$7200.00} paid by my Discover card ending in XXXX. On XX/XX/XXXX I contacted the seller ( XXXX ) to cancel the order since it was sent to another address. The seller gave me excuses about different tracking # 's as to why it was sent somewhere else & I agreed to continue with the order. He then told me he was having trouble sending it & wanted me to place a duplicate order. On XX/XX/XXXX I advised him to stop the shipment & cancel my order. I never received the order & I've sent multiple forms of proof to Discover Card. They did not accept this & they are now billing me for product I never received. I just received my bill & it now shows two transactions in the same amount from XXXX. it also shows that XXXX did refund the total amount for {$7200.00} on XX/XX/XXXX. Discover billed me erroneously for 2 transactions & every time I contacted them to dispute this, they turned down my evidence. Today @ XXXXXXXX XXXX I made a last attempt to call them to resolve & reverse this erroneous charge with no resolution. I am attaching the canceled shipment by XXXX, the statements from the vendor who says he refunded me as well the proof that XXXX refunded me on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Today I was scammed by a man impersonating a police officer and government employees for social security. He said he would arrest me if I didnt abide on drug charges and money laundering because these crimes were under my name so he said I may be the perpetrator and the only way to clear my name would be to empty my accounts on to gift cards. Hope the could catch the perpetrator by freezing my account but by the end of the day he got about XXXX out of me and I called my bank but they were unable to help me with this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: AZ

Complaint narrative:
Im writing this because I have inaccurate information reporting on my XXXX, Equifax and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, Equifax states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on Equifax it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: AZ

Complaint narrative:
XXXXm writing this because I have inaccurate information reporting on my Experian, XXXX and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, Experian states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is not a duplicate item. 

This is a new and valid complaint. 

XXXX XXXX XXXX, as you will see from the attached document continues to report this bogus collection with missing data and deceptive collection procedures, even though after the evidence was presented against them they agreed to delete this from my credit report and the date is clear, they reported it again in XX/XX/2022. 

This is mockery yo the collection process, mockery to the consumer protection board, and they have yet to be held accountable for their deceptive trade practices as earlier disputed. 

They continue to report this report illegally and equifax continues to host this report even after the evidence proved they were being deceptive. 

I demand an investigation into the by administration of the consumer board and seek charges against rent recovery for their continued deceptive trade practices. Its illegal, they are breaking the law, defrauding me, and the law is as follows below. 

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and XXXX XXXX XXXX Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My partner and I received multiple fraudulent charge notifications from Ally regarding debit card purchases from our joint checking account. I contacted Ally Bank to close down the card in question but continued to receive notifications. I disputed these charges and they reimbursed me. Then, today XX/XX/22, my partner and I receive the same notifications. We log on to see fraudulent charges and despite attempting to contact Ally over 5 times with holding on the phone over 45 minutes multiple times I have not been able to reach anybody. The debit card in question has never been activated or used. It's never even left the safe location we keep it in within the house. It seems like there is a major data breach that Ally Bank is not sharing with it's vulnerable customers.

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 2022-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Fraudulently signed a purchase contract without my consent and try to forced me to take the truck that is been siting on the loan since XX/XX/2022 ( the motor doesn't work ). I tried contacting them and now they have another owner and they told me that DMV and FBI is investigating their business that they cant do anything about it. So the loan is showing on my credit after they forced my signature and they did a fraudulent smog on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: CA

Complaint narrative:
Those hard inquiries in my Transunion report which I did not recognize, and they should remove out of my credit report. 
List of hard inquiries I want to delete : XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) on XX/XX/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 explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Report has a product called Experian XXXX where as if you enter your Bank Information ( XXXX XXXX XXXX XXXX ) and Utility accounts such as XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX company, and you pay on a regular basis Experian XXXX will have access to your Bank Account to verify these accts which in turn will help raise your credit score. When first signing up for XXXX it worked perfectly. However now and in the past several months XXXX can not access my account. It stopped working. Message would continue to show " Reconnect to your bank '' or XXXX can not connect to your bank. Or " Add '' another Bank Account '' I only have One Bank Account. ( XXXX  seems to think I have another Bank Account ) I have continued to contact Experian many times " Why XXXX  '' can not access my account and why Experian XXXX had no problem connecting to my account in the beginning. Everytime I log in to Experian message shows " Can not Connect to your bank '' Connect now ' Experian gives me many reasons why I can not connect and non apply to me. Why can't Experian XXXX connect to my bank account is more important to me than a credit 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation