vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: EQUIFAX, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX acct # xxxxxxxxxxxx XXXX Reported Balance {$420.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$220.00} XXXX ) XXXX  XXXX XXXX Account Number XXXX XXXX Reported Balance {$2900.00} XXXX ) US DEPT OF ED/XXXX  Account Number XXXX XXXX Reported Balance {$26000.00} XXXX ) US DEPT OF ED/XXXX  Account Number XXXX XXXX Reported Balance {$34000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXXY Account Number xxxxxx XXXX Amount {$1800.00} XXXX ) XXXX XXXX  Account Number xxxxxx XXXX Amount {$3200.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: IN

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-08 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: IN

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MD

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX : {$0.00}

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 2022-09-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, I made a purchase using a XXXX credit card in XXXX totaling {$35.00}. Within XXXX weeks, I attempted to pay the card but the XXXX website was down. When I was finally able to log in, I noticed I was charged a late fee. I decided to call but the lines were also down so I decided eventually to message them. I informed them that I was charged a late fee and that I would like to have it waived since that was not my fault. Their website is constantly down. I explained to them that they were continuing to charge me a late fee over that initial late fee and they decided to credit my account with $ XXXX this is less than the late fee they are charging me. They noted that I wasnt charged a late fee for XXXX months- but that was in XXXX and XXXX because I had made a payment for my initial balance, not due to any of their own generosity. Somehow- despite paying {$36.00} and supposedly getting a credit of {$29.00}, I now owe {$100.00}, all stemming from the late fees that have been piled onto my card. Ive tried to have this issue resolved through XXXX messaging service and there is no form of accountability for their own poor payment services. This has been a very frustrating situation, especially considering their slow customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I Went to a car dealership and I was already pre approved through my bank for a car loan that I actually didn't end up purchasing because of other various reasons.But to make it short I was already pre approved for a cal loan so there was no need to run my credit, because the bank already had a letter in the amount of what I was approved for but they insisted they could get me a better rate in which i was already happy with the rate that my bank had given me. So I would appreciate if these hard inquires can get taking of my credit report because it is inaccurate and if you look at my credit history I am usually good when it comes to paying on time and being in good standing with my credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 's below have 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 In accordance with the Fair Credit Reporting act Convergent Account # 's : 1 ) XXXX XXXX XXXX XXXX acct # XXXX  XXXX Reported Balance {$420.00} 2 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$220.00} 3 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$2900.00} 4 ) US DEPT OF EDXXXXI Account Number XXXX XXXX Reported Balance {$26000.00} 5 ) US DEPT OF EDXXXXI Account Number XXXX XXXX Reported Balance {$34000.00} 6 ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 7 ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 8 ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 9 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 10 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 11 ) XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 12 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 13 ) XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Reported Balance {$0.00} 14 ) AES/PNC EDUCATION LOAN CENTER Account Number XXXX XXXX Reported Balance {$0.00} 15 ) XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 16 ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$0.00} 17 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$2000.00} 18 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 19 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 20 ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 21 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 22 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 23 ) XXXX XXXX Account Number XXXX XXXX Amount {$1800.00} 24 ) XXXX XXXX Account Number XXXX  XXXX Amount {$3200.00} 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 non-monetary relief
Consumer complaint received 2022-09-08 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: OH

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX , XXXX XXXX XXXX XXXX Date opened XX/XX/2016 Balance {$35000.00}

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}

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 2022-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Went to a car dealership and I was already pre approved through my bank for a car loan that I actually didn't end up purchasing because of other various reasons.But to make it short I was already pre approved for a cal loan so there was no need to run my credit, because the bank already had a letter in the amount of what I was approved for but they insisted they could get me a better rate in which i was already happy with the rate that my bank had given me. So I would appreciate if these hard inquires can get taking of my credit report because it is inaccurate and if you look at my credit history I am usually good when it comes to paying on time and being in good standing with my credit card companies.

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 2022-09-08 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: VA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00}

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I made a cash withdrawal with my AAdvantage Mastercard from Barclays and they charged me a {$25.00} fee for the withdrawal. This is on top of the fee by the ATM 's bank. I understand that they have to charge a fee but this is 5 times the maximum that other companies charge. 
I attempted to address with them directly and sent a chat and an email on XX/XX/22 and they never responded. I called on XX/XX/22 and they told me that this is due to the amount of the withdrawal and the location because it was an international withdrawal from XXXX XXXX, XXXX XXXX. 
But, I've withdrawn money from my XXXX XXXX and my XXXX cards before and they both charge around {$5.00} for the transaction, so there is no earthly explanation why their cost is 5x higher. This is high-way robbery in my opinion. 
I requested they reduce they fee and they said it can not be done. I suggested they offer me a partial credit for {$15.00} towards the next billing cycle and they said no and that they could NOT escalate to a supervisor or another department. 
This is NOT about the money, it is the principle that they are charging such a high fee for a simple transaction on top of the airlines ' constantly increasing costs, decreasing amenities, limited schedules and options and after a massive taxpayer bailout.

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