vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 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: FL

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : 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 explanation
Consumer complaint received 2022-10-22 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: DISCOVER BANK
State: NC

Complaint narrative:
Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: FL

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : 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 2022-10-22 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: FL

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have submitted my FTC report to Transunion on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough that transunion has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows that transunion has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX account XXXX are violation my rights, XXXX  XXXX are violating my rights, XXXX are in violation of my rights. which shows that the companies named in this complaint as well as transunion are all violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( XXXX, transunion and XXXX  ). I have in fact been a victim of the XXXX security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get transunion to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have transunion do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization

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 2022-10-22 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: NC

Complaint narrative:
XXXX has failed to respond to XXXX and XXXX, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Answer my disputes properly,, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NC

Complaint narrative:
Experian has failed to answer this complaint properly, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.

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 2022-10-22 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: NC

Complaint narrative:
Experian illegally tagged XXXX this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Delete the record, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.

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 2022-10-22 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: NY

Complaint narrative:
TRANSUNION and XXXX continue to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. TRANSUNION and XXXX continue to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information TRANSUNION and XXXX are acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information TRANSUNION and XXXX are discriminating against me. TRANSUNION and XXXX are communicating my nonpublic personal information without my permission. TRANSUNION and XXXX never gave me the opportunity to opt out of certain information being communicated. I sent TRANSUNION and XXXX a letter requesting changes be made to my report. I called TRANSUNION and XXXX after i received the certified mail return receipt for an update and i was told that the prohibited information will still be communicated. I sent TRANSUNION and XXXX a another letter on XX/XX/2002. 
SEE 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 2022-10-22 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have submitted XXXX complaints regarding the fraudulent reporting of a closed Wells Fargo account, of which, was settled back in XX/XX/2018. My XXXX credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.

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 2022-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitol One closed the account. I have bee making consistent payments to end the balance and there still charging interest and the card is XXXX for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
Several inquires was reported on my credit profile without authorized approval or request for said credit. The following credit companies reported negative and hard inquires on my credit profile which is impacting my XXXX XXXX to be eligible for any future credit increases and new credit. 
Inquires Reported are as follows : XXXX XXXX XXXX XXXX XXXX ; RESIDENT VERIFY ; 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 2022-10-22 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: VA

Complaint narrative:
I have submitted XXXX complaints regarding the fraudulent reporting of a closed XXXX XXXX account, of which, was settled back in XX/XX/2018. My Equifax credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
The following Violations were violated as a consumer - 15usc1692 ( B ) " an attempt to collect a debt '' is language that indicates your in the debt collection business which is a direct violation of 15usc 1692 ( b ) 5 -1692 ( C ) being contacted at a time that is inconvenient for the consumer -1692 ( C ) did not have my prior consent to contact me, the consumer at all which included via mail, telephone and email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 NCC XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I received a letter from XXXX XXXX XXXX ( Comenity Bank ) about fraudulent charges on a credit card that I had. I did not open this account and had my son contact the company on XXXX to verify this and they recorded the conversation so that the account can be closed. Contacted multiple times for an update. I am still waiting on a letter stating the account will be closed as the rep stated it could take up to XXXX days. We sent a letter ( via IdentityTheft.gov ) through XXXX ( Tracking XXXX ) to Comenity Bank on XXXX in regards to the fraudulent account and requesting a letter stating the card needs to be closed. Confirmed delivery through certified mail XXXX. No response from company yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is the XXXX attempt to remove a debt that is not owed on my part.The debt was paid in full, Since Equifax is saying that the debt has been confirmed, Im requesting a detailed process of reinvestigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account Number XXXXXXXXXXXX, Open Date XXXX XXXX, XXXX, Credit limit : {$1500.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-22 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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I called Comenity bank and requested to pay my bill in full. I was told the amount and paid with a debit card over the phone. The payment was processed. The next month I received a bill and a late fee. The bill stated that I owed $ XXXX. I called the bank on XXXX, the representative told me that all the charges were removed, except, {$10.00} which I paid. The representative told me twice that the balance was paid and nothing would be owed. On XXXX I received a bill for {$110.00} and another {$41.00} late fee. The bill also shows the payment of {$10.00} made to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I am disputing incorrect information that is being reported by Prestige Financial Services. This company is failing to report all of the payments made during the loan. Prestige Financial services is failing to report payments made for the following months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The company is also reporting derogatory information for XX/XX/XXXX when the loan was paid off in good faith. I have contacted Prestige Financial Services and they are refusing to update the correct payment history on my credit report. The company is also refusing to investigate with their last response as " THEY BELIEVE '' the information Is correct. There isn't any accountability for this company to report accurate information as I am being told to file another complaint. I will continue to dispute this information and file complaints until this information is updated or removed from my credit file as it is correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: PA

Complaint narrative:
Fraud Accounts appearing on 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 2022-10-22 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: PA

Complaint narrative:
Fraud Accounts appearing on credit report.

Company response to consumer: Closed with explanation