vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
As on XX/XX/2022, XXXX is INCORRECTLY reporting that I have accounts with XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and the Department of Education. They have failed to show documents that I have signed stating that I owe on these accounts. They also have my mailing address incorrect.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is an item on my credit report that I have disputing for months now with XXXX. This is not my debt. 

The item in dispute is attached in the document below, along with tax documents proving my address at time of " debt ''

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Personal Information Incorrect : Previous addresses are incorrect on all three credit 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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/22 XXXX fees XXXX invading privacy talking to neighbors regarding debt, sharing account information with other without my consent, causing harm and separation in domestic family affairs, alleged debt without proper validation and identifications. unclear practice misleading coerce for payment.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent 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 non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes Equifax, XXXX or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - TransUnion ( 16 ) XXXX ( 14 ) XXXX ( 12 ) Open Accounts Reported - TransUnion ( 14 ) XXXX  ( 2 ) XXXX ( 4 ) Closed Accounts Reported - TransUnion ( 2 ) XXXX ( 12 ) XXXX ( 8 ) Delinquent Accounts Reported - TransUnion ( 1 ) XXXX  ( 1 ) XXXX ( 1 ) Derogatory Accounts Reported - TransUnion ( 12 ) XXXX ( 11 ) XXXX ( 8 ) Collections Accounts Reported - TransUnion ( 11 ) XXXX ( 10 ) XXXX ( 6 ) Balances Reported - TransUnion ( {$27000.00} ) XXXX ( {$26000.00} ) XXXX ( {$22000.00} ) Payments Reported - TransUnion ( {$38.00} ) XXXX ( {$13.00} ) XXXX ( {$38.00} ) Inquiries Reported - TransUnion ( 4 ) XXXX  ( 3 ) XXXX ( 7 )

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I sent a dispuite to Experian about the following accounts : XXXX XXXX, which you claim I owe {$9100.00}. 
2 ) XXXX  XXXX  : XXXX. {$4600.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX  : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX 4 ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX/XXXX  XXXX  . XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: DISCOVER BANK
State: WI

Complaint narrative:
Following up the closing of my dispute with Discover Financial Services, I decided - for the sake of my sanity and sustaining the quality of my credit status- to reach an agreement with that business entity. This agreement was made by authorized Discover Card Collection Representative XXXX XXXX XXXX, confirmation # XXXX which dated XX/XX/2022 and entails the full payment of {$340.00} by an ACH transaction from XXXX XXXX XXXX. This payment was made, as a conclusive sum, in order to close this issue for ever. 

On XX/XX/XXXX, I returned from XXXX trip, realizing that XXXX XXXX  has a system glitch, and couldn't complete the transaction, as the payment inadvertently refunded back to the bank. I immediately notified Discover Card about the system problem with the bank. XXXX XXXX was not available and was replaced by XXXX XXXX XXXX ( sic ), confirmation # XXXX, who assured me on XX/XX/2022 that by paying the amount of {$340.00} there will be " XXXX balance account ''. I requested a written statement for that, she responded by stating " It is my honorable promise, '' and brushed off my request stating " We don't send statements like that. '' Then I decided- in order to speed the delivery of the fund - I used another financial institution to transfer the fund, which was received, accordingly. Now, Discover Card started their harassment, and demanded additional payment of {$110.00} ( XXXX XXXX Credit of {$69.00} & interest charge of {$12.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, XXXX or Transunion to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, 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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, Experian or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, 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 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have now sent Credit acceptance a copy of my FTC identity theft report multiple times, the last time being on XX/XX/22. 

Pursuant to 15 U.S.C. 1681s-2 ( 6 ) Duties of furnishers upon notice of identity theft-related information ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may NOT furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 

They have been supplied with all of the necessary documentation from my end. I have disputed this charge over and over, and now they have a sworn statement.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I owed by a bank for a personal loan taken out years ago. A judgement was put on me. I was contacted by XXXX XXXX XXXX XXXX claiming they could solve my debt with BB & T now Truist and I would make regular payments to them. I made regular monthly payments of XXXX each month for 15 months beginning XX/XX/XXXX via my debit card on auto payment... then it just stopped. I called XXXX XXXX and they said my debit was paid. no further action was needed. 
On XX/XX/XXXX I was served papers again from The Court Of Common Pleas XXXX XXXX PA stating there was again a judgement against me and now a lean all documentation is attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo frozen my account and deposit for no reason XXXX dollars balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) XXXX ( 14 ) Equifax ( 12 ) Open Accounts Reported - XXXX  ( 14 ) XXXX  ( 2 ) Equifax ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) XXXX ( 12 ) Equifax ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) XXXX  ( 1 ) Equifax ( 1 ) Derogatory Accounts Reported - XXXX ( 12 ) XXXX ( 11 ) Equifax ( 8 ) Collections Accounts Reported - XXXX ( 11 ) XXXX ( 10 ) Equifax ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) XXXX ( {$26000.00} ) Equifax ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) XXXX ( {$13.00} ) Equifax ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) XXXX  ( 3 ) Equifax ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) Experian ( 14 ) XXXX  ( 12 ) Open Accounts Reported - XXXX  ( 14 ) Experian ( 2 ) XXXX  ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) Experian ( 12 ) XXXX  ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) Experian ( 1 ) XXXX  ( 1 ) Derogatory Accounts Reported - XXXX  ( 12 ) Experian ( 11 ) XXXX  ( 8 ) Collections Accounts Reported - XXXX  ( 11 ) Experian ( 10 ) XXXX  ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) Experian ( {$26000.00} ) XXXX  ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) Experian ( {$13.00} ) XXXX  ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) Experian ( 3 ) XXXX  ( 7 )

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX

Company response to consumer: Closed with explanation