vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: MT

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX  Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX 
XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX  Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX  Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until 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 2022-12-08 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: MT

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I received a report from XXXX, my fraud company, that XXXX XXXX ran my credit check. I have had multiple problems with someone stealing my identity which is why I am with XXXX  I contacted Equifax, XXXX, and XXXXXXXX XXXX XXXX directed me to XXXXXXXX XXXX and XXXX XXXX is absolutely awful!! They were useless in why my credit was ran and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 am intrested in disputing all unauthorized information on my credit report with Experian. checking my file ive noticed alot of invalid information that is hindering my file.

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 2022-12-08 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: TX

Complaint narrative:
I have contacted Equifax in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that Equifax immediately DELETE Account # XXXX with XXXX from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. 
In XXXX I received a letter from a XXXX  that they put into my bank account withdrawing around {$500.00} in order to collect this debt. 
Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. 
There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. 
On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXX  or translation for me. 
This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. 
This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. 
Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. 
I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have a charge for {$440.00} from Southwest credit systems for XXXX for an account that it claims I opened XX/XX/20 that is showing up on my Credit report with XXXX and XXXX. I just called XXXX and they said they do not have any information on this charge. I disputed it on XXXX a couple weeks ago but I haven't seen anything done as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: VA

Complaint narrative:
In accordance with the fair credit reporting act these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.

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 2022-12-08 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: NV

Complaint narrative:
While looking at my report I found an Old XXXX XXXX XXXXXXXX Account that does not belong to me. 
I Confirmed with XXXX XXXX XXXXXXXX that account does not exist. 
I believe I am a victim of fraud. 
I have asked Experian and XXXX and all the credit reporting agencies to please remove. of all the credit reporting agencies. XXXX already removed it. 
Please remove this 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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: CT

Complaint narrative:
At the Key ATM, I deposited {$80.00} in cash. I received an error message. I was not posted to my acct. They gave me an XXXX number to call and file a complaint. I won't get my money back for 7-10 business days. I NEED THAT MONEY NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
I applied for a card on or around XX/XX/2022 and was approved. I was notified that a card would be received in 7-10 business. 

I requested a replacement card a month later on or around XX/XX/2022 because I figure at this point its been lost in the mail. 

I reached out to the company via their website contact us email and have been getting multiple inaccurate and indescript explanations about supply chain shortages etc. 

Issues are : 1. The information about 7-10 days to receive card is false. 

2. A digital card is available for 50 % of the approved limit making the information on my credit report that they are reporting as inaccurate. 

3. Offering credit cards that are not available to consumers is just wrong and deceitful. 

Its been close to 2 months with no sign of the card user agreement or card. 

This companys practices should be investigated.

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 2022-12-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 2022-12-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX Credit Card was hacked through XXXX. Notified XXXX at XXXX of fraudulent credit card usage. We were told once charges are pending they can not be removed except by the merchant. XXXX charges on this date involved cash advances of {$1200.00} and {$660.00}. At this time a cash advance transaction fee of {$95.00} was placed on our account in connection with these XXXX advances. 

We continued to make frequent calls to XXXX fraud center and to XXXX fraud unit to get the cash advances removed. XXXX saw obvious signs of fraud on our account which involved other credit cards for XXXX purchases and as a result of their investigation on XX/XX/XXXX they contacted XXXX and credited our account for the XXXX cash advances. I do not believe XXXX was legally required to compensate us as I think credit card companies are supposed to be the ones who are responsible for fraud. Nevertheless XXXX told us repeatedly not to worry, that if the fraud was straightened out that all associated fees would disappear. 

The credit card still shows {$190.00} in cash advance fees. We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time were told dont worry but nothing is done, We were forced to pay the bill to keep our credit good.

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 monetary relief
Consumer complaint received 2022-12-08 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: Nelnet, Inc.
State: IL

Complaint narrative:
To whom it may concern : In accordance with the fair credit reporting act, this creditor ( XXXX XXXX XXXX ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account 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

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 2022-12-08 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
The company keep s changing info on my credit report. I have no contract with this company. Please see attached information on my multiple attempts. I have tried to resolve this issue multiply times. there is no litigation that is incorrect information. I have contacted investigators to have this company investigate so I can move forward. Company reports incorrect information.

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 2022-12-08 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: NY

Complaint narrative:
XXXX XXXXXXXX summit the mistake to the credit bureaus as me not being 30 days late on my credit card payment in XX/XX/2022. The credit bureaus XXXX, equifax and XXXX removed the late payment but never gave me back my points that I lost from the late payment being reported which was a XXXX point decrease. As a consumer, by law my credit report must be 100 % accurate immediately by the credit reporting agencies updating and/or removing the account listed in my dispute letter attached. The credit bureaus did not give me any points back at all which was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: CT

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/2022 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, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached 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