vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: TX

Complaint narrative:
My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. XXXX, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXXXXXX XXXX XXXX XXXX- amount {$2800.00} 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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. XXXX, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXXXXXX XXXX XXXX XXXX  amount {$2800.00} - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX  and XXXX, XXXX XXXX Debt purchasers. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.

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 2023-06-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX  and XXXX, XXXX XXXX Debt purchasers. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: NC

Complaint narrative:
InXX/XX/2022 I contacted LexisNexis to inquire if XX/XX/XXXXXXXX requested a copy of my consumer report. The representative told me no, but I believe they are not being transparent. I would like for the CFBP to force LexisNexis to provide accurate information for companies that have requested my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The name of the company is Synchrony The agent that opened the account for me told me that I would need to pay a certain amount on the account monthly and put it on autopay and that this will be interest free. zero arp. I just looked at my account and not only they started charging interest after 1 year but also charged me extra interest for that one year. I spoke to the staff and manager on the website chat but they were not helpful. I called their number and spoke to their manager and he said that he is sorry but nothing that he is able to do and he will make note of it to train the staff better in the future.

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX there was a ATM withdrawal at a XXXX XXXX for the amount of {$880.00} which was unauthorized. Unfortunately I lost my Bank of America card and I didnt notice until I was going to use my bank card that it was no longer in my possession. I immediately call Bank of America to file a dispute and order a new card for the account. My card order was mailed XX/XX/23 via express shipping estimated to arrive in 3 business days, today is XX/XX/23 I have yet NOT received my Bank of America card. I also called to get an update on my claim and my claim was denied. This makes me very upset because I believe that Bank of America didnt thoroughly investigate the transaction. I have proof that I was working in XXXX, Ca when the transaction for the dispute was processed in an ATM in XXXX, Ca at a XXXX XXXX this is what the representative told me of where it took place. I need to retrieve my funds I have bills to pay and my accounts are negative because I am out that money. I am positive XXXX XXXX has ATM cameras where they can proof I was not conducting the transaction and did not give permission to anyone to use my card.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My nephew XXXX XXXX opened an account with a credit card in my name from the Bank of America. I don't know all the credit card details but the Bank of America phoned me and verified if my name was XXXX XXXX on my XXXX XXXX XXXX. He was fraudelently taking credit cards in my name. He has my fake driver 's license and took my social security card. He gave people my social security card, I don't know all the details.

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 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on XXXX but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all 3 bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all 3 bureaus are reporting different two year payment history.

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 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I have attempted to contact this collection agency by mail on XXXX  to negotiate a debt and the address provided on my credit report is fraudulent. Its not a address that i can send letters to and i don't know any other way to contact this agency. After i sent the letter it was returned to me saying it could not be forwarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Theyre holding me accountable for the charges that were fraud even though Im providing all the documentation such as police report and all other complaints I have made in regards to this issue and my identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I payed my monthly payment early that was due on XXXX XXXX. And they are posting on my account that Im late. I payed {$200.00} more than the minimum due and the amount was posted and deducted from my checking account on XXXX XXXX. This could affect my credit could you please have them correct this. I have proof and documentation from my bank. This is a revolving account with Comenity Capital/XXXX XXXX patient solutions. here is the contact number XXXX and the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I sent payment to be made and the bank took my funds and did not issue payment as i instructed them to do they then tryed to close my 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 2023-06-23 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: NV

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.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, US DEPT ED # XXXX, US DEPT ED # XXXX 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 2023-06-23 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I was repeatedly called by an unknown caller while at work. I answered and they told me it was the courthouse of XXXX XXXX in which I reside notifying I am being sued. They told me to call XXXX and said it is an attorneys office to receive further information. I called that number and received no information about what company or law office I was I speaking with. I was then transferred to a woman who basically ambushed me about a 10 year old debt, far beyond the statute of limitations in my state, with Comenity Bank that had already been resolved. She told me I owed an amount of around {$2000.00} on a debt that was about {$400.00} which again has already been resolved and removed from my credit about 4-5 years ago. She then threatened me being sued multiple times during the call. After hanging up I tried to call back to further question this matter only to find out they have blocked my phone number.

Company response to consumer: Closed with explanation