vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
It was reported on my credit that i owe a debt that i do not owe. There has been no attempt to resolve or any information available about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. XXXX XXXX has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is XXXX. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on XXXX XXXX for making false claims. XXXX XXXX knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked XXXX, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to XXXX XXXXXXXX because I give my social every time because again I had no idea of this account, Ive never had a XXXX XXXX account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with XXXX. XXXX XXXX  isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX  student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.

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 2022-11-17 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 was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. XXXX XXXX has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on XXXX XXXX for making false claims. XXXX XXXX knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked Experian, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to XXXX XXXXXXXX because I give my social every time because again I had no idea of this account, Ive never had a XXXX XXXX account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with Experian. XXXX XXXX  isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.

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 2022-11-17 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I have not opened a XXXX XXXX account with Barclay and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from Barclay dated XXXX XX/XX/2022 determining I am not responsible for the charges. 

Barclay even sent me check for fees charged as a result of the error they made. Barclay is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the three credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters.

This isn't the first time Barclay has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against Barclay if they do not swiftly correct their intentional mistakes.

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 2022-11-17 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: IL

Complaint narrative:
On XXXX ( additional dates/ accounts numbers /tracking numbers are attached below ) I sent letters to the creditors and credit reporting agency regarding inaccurate and uknown items on my consumer report. To this day over 30 days later I have not received a response. I feel like Im being ignored an taken advantage of my dispute, Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete immediately these items off my consumer report. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15USC 1681b- 15USC e ( b ) - 15USC 1681a-2 ( A ) ( i ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )

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 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I have sent documents and nothing has happen, Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I received a debt collection letter from Southwest Credit XXXX for XXXX violations that were supposedly obtained in the XXXX XXXX XXXX XXXX XXXX The fee 's are for {$58.00} and {$56.00}. No notice from XXXX or XXXX was sent to me for these violations, as they should before submitting to a debt collection service. I have not used XXXX XXXX since the summer of XXXX and any fine 's attached to the vehicle in question were paid in FULL directly to the XXXX to resolve suspension of the registration. This vehicle has not been in my possession since the summer of XXXX due to it being totaled in a roll over accident in the winter of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
My credit score was decreasing so I had to ask an XXXX representative what's caused it, so they checked and told me there's a loan I'm not paying which is from affirm Inc. And I don't know anything about the Affirm Inc . I googled there phone number and called the number wasn't going through. 
Affirm Inc . 
XX/XX/2021 {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MA

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX  XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many 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 2022-11-17 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: MA

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is in violation of section 605a USC 1681 c-1. I have submitted my FTC report and supporting documents about a fraudulent account and address that is reporting on my credit report since XX/XX/2022, well over the 30 day allotted time. 

Experian has not blocked or removed this information as of yet and has pushed my investigation close out time back 3 times, which is also a violation of the fair credit reporting act. The company XXXX XXXX has not assisted with removing or sending me any information in reference to this fraudulent account. 

They responded to CFPB in my last complaint that they would send me an identity theft affidavit to sign and return and they still have not done that.

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 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase locked my account a year ago and still has not responded to me or opened my account. I contacted cfpb and others and still nothing. They told cfpb that they were working on it. They were not. I had over {$600.00} and really need that money. I am XXXX and on a fixed income. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: NV

Complaint narrative:
I see this account in collection, I dont know if this is my, so please I need that you check please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-17 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: IL

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB COMPLAINT : XXXX FOLLOW UP On four seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, HORRIBLE... .they just say that the companies are NOT reporting to them over and over. Spoke with each and every missing lender 5 of them on several occasions and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. 
Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my recent XXXX Report Missing accounts FROM EQUIFAX have a RED CHECK MARK next to them. 
7 accounts ... .5 different lenders PLEASE SOMEONE TAKE THE TIME AND ADD THESE ACCOUNTS PLEASE Also attached is a copy of my Drivers license ... front and back and a copy of my social security card

Company response to consumer: Closed with explanation