vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: TX

Complaint narrative:
I have enrolled in and online class through XXXX in XXXX for 4 payment of {$170.00} each. Upon enrolling, I had an emergency with my dad and had to leave town and take care of my parents for 2 months, preventing me from ever accessing the class or using any of their services. They took 2 payments, and i tried to reach out to them to prevent the other 2 from going through my DISCOVER card but had no response. With nothing from XXXX, i disputed the last 2 charges from discover directly which was ruled in my favor. Only to find out a month later that those charges were reversed and now are on my balance. I've reached out to discover multiple times to further take care of this but nothing ever comes out of it but that they need proof that the class was cancelled. So i'm disputing 2 charges, each is {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-09-17 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: IL

Complaint narrative:
Remove the fraudulent information from my reports.

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 2020-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Remove the fraudulent information from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX Last 4 of SS # XXXX Conns Credit Department XXXX. XXXX XXXX XXXX, Tx XXXX Dear Conns : This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Conns Credit Corp Made on : XXXX XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX/ XXXX has been putting an account on my credit report as long as I can remember. Since XXXX I tried to solve the matter with them advising that it was not my account or responsibility as I was a tenant only where the services were provided. I have disputed this account ever since with credit bureaus and they continue on reporting the account with different collection companies. I have proof since XXXX that this account was meant to be deleted on XXXX for {$1300.00} under the collections company of Southwest Credit Systems and this is after my second time disputing the account. Now, this same original creditor appears in my credit report with a different collection agency named XXXX XXXX XXXX but with a higher amount of {$1900.00} as of XX/XX/XXXX, and an opened account date of XXXX with an expiration date in the year of XXXX. Per the credit bureaus representatives, they can continue to dispute as I request but if the creditor continues to open accounts under different collectors they are required to report. Which makes it NOT FAIR because even if this account was to be mine, they would continue on reporting for the rest of my life?! 

This is affecting my credit tremendously and my finances as well, as it makes it hard to get a good interest rate on anything with low credit as this is the only account in collections that continues being so incorrectly persistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.

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 2020-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Received letter from XXXX XXXX Services XX/XX/XXXX notifying me of line of credit decrease based on credit report from Equifax indicating a delinquent account in the amount of {$590.00} with XXXX   XXXX. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with Equifax. Equifax then referred the dispute to XXXX on XX/XX/XXXX. I then received some paperwork from XXXX dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. XXXX did its investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from XXXX on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or  XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello! 
My credit report from XXXX, Equifax, and XXXX all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello! 
My credit report from Experian, XXXX, and XXXX  all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.

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 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
A friend asked me to use Cash App to repay me for an item I purchased for him. The amount was XXXX XXXX 

I had a Cash App account but stopped using it because of problems with it. Also, at that time, I had the Cash app on another tablet that was since stolen, and a different debit card. I could not access my old Cash app account, so I opened another. 

The system would not let me access the account, the message was " unable to verify device. '' I tried multiple times over multiple days. After those attempts I used the chat feature for assistance. 

The chat clearly was not a human. The responses were too fast to be written out, and none addressed my problem. Many were boilerplate I followed the instructions, again, and again, multiple times. They asked me to do the same thing, which lead to the same result. 

I asked for a human, and to have a human guide me through what to do. XXXX did identify herself as a human. 

No success. I responded that I was going to get my friend to back the transaction out so he could pay me directly. 

He gave me the Identifier : # XXXX, the date was XXXX XXXX account to pay was # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-09-17 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: IL

Complaint narrative:
Remove the fraudulent information from my reports.

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 2020-09-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received letter from XXXX XXXX XXXX XX/XX/XXXX notifying me of line of credit decrease based on credit report from XXXX indicating a delinquent account in the amount of {$590.00} with SychronyTJX Rewards. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with XXXX. XXXX then referred the dispute to Synchrony on XX/XX/XXXX. I then received some paperwork from Synchrony dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. Synchrony did its  investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from Synchrony on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve this.

Company response to consumer: Closed with explanation