vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I don't know else I need to do to get this matter resolved. I have sent multiple emails, made phone calls, and sent letters to Experian to remove the incorrect addresses attached to my profile. The only address that should be on my credit report is XXXX XXXX XXXX, XXXX, PA XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX has never been my residence. 
XXXX XXXX XXXX XXXX, PA XXXX has never been my residence. 
I have said this over and over, and they still continued to put this on my credit profile. 
Remove both these addresses immediately. They DO NOT belong to me!

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 2023-07-19 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: UPGRADE, INC.
State: FL

Complaint narrative:
I took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXXXXXX XXXX XXXXXXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX lifestyle telling me that I was an " abomination '' to them and a XXXX XXXX I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXXXXXX XXXX XXXXXXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of XXXX but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other XXXX XXXX issues causing me to be on XXXXXXXX XXXX XXXX XXXX XXXX. This issue HAS ALSO made me want to XXXX XXXX SEVERAL times. I have NO money for therapies  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: GA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Total Card, Inc.
State: NC

Complaint narrative:
The collection company said if I did not pay the collection that they would file a warrant against me and I would be arrested for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
This XXXX XXXX XXXX XXXX Transunion LLC, XXXX ) unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

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 2023-07-19 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-19 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX  XXXX ACCOUNT # : XXXX!!! VIOLATIONS!!! 
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXX  XXXX ACCOUNT # : XXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 

Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

LAST DATE OF ACTIVITY : XX/XX/XXXX LAST VERIFIED : NO DATE REPORTED CLOSED DATE : NO DATE REPORTED REMOVE THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!! ! REMOVE THIS ACCOUNT IMMEDIATELY!!! 


XXXX XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ACCOUNT # : XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ERROR XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) HOW IS THIS ACCOUNT WITHOUT CLOSED DATE. 


ERROR XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) EXPERIAN : CONTINIOUS CHARGE-OFF FURNISHING AFTER CLOSED DATE. EXPERIAN IS NOT FURNISHING A CLOSED DATE ON THIS CLOSED CHARGE-OFF ACCOUNT, WHICH IS MAKING IT KEEP REPORTING EVERY MONTH EVEN THO ITS A CLOSED ACCOUNT ERROR XXXX. DATE OF LAST ACTIVITY : ( THERE ARE XXXX DIFFERENT DATES OF LAST ACTIVITY, THERE IS NO WAY YOU VERIFIED ACCOUNT DATES OF LAST ACTIVITY IS NOT EVEN UPDATED ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR XXXX. LAST VERIFIED XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) ERROR XXXX. DATE OPENED : ( THERE ARE XXXX DIFFERENT DATES OPENED, THERE IS NO WAY YOU VERIFIED ACCOUNT ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR XXXX. PAST DUE AMOUNT : {$420.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$420.00} EXPERIAN : {$420.00}

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I played at XXXX. I deposit a total of {$3000.00}. During those deposit I want to cash out for {$1700.00} the site would not let me. I reached out to a chat rep name XXXX. She stated I could not cash out cause they put a bonus on my play. I explained I never authorized the bonus nor did I use a bonus code. XXXX stayed when they run promotions they automatically add bonus and I could forfeit the bonus but I would also loose all my winnings. I explain this is illegal you never notified me that a bonus was being put on. So I had to wager around {$300.00} which I did I then went to cash out. XXXX add another bonus so you could not cash out again. I called Chime and explained this is a scam you will not be able to cash out they just want you to keep depositing. I want to dispute the charges. That rep put in for unauthorized charges. I explain I did not understand why he was doing that as unauthorized charges. I then got a email from them stating under XXXX XXXX no credit would be given. I called Chime that day spoke to a rep explain based on this XXXX XXXX the XXXX XXXX XXXX filed the dispute wrong. So he told me he fixed it. Yesterday on XXXX XXXX my claim was denied caused it was never changed they still had it under unauthorized. I spoke with XXXX reps the last rep told me he put it in for a rebuttal and fixed the dispute reassign to scam. I explain to them many times if they calls are recorded they would get me telling the XXXX XXXX rep why is he doing unauthorized dispute? I trust chime to put this claim in the right category they are my banking. But they did not. Now my claim is being denied. I was scaled out of this money. If the claim was done right from there rep this matter would of been looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: FL

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 XXXX XXXX XXXX : XXXX - XXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX  ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX EQUIFAX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX  XXXXXXXX XXXX  XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: FL

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.

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 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 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I didnt give no Authorization to run my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am disputing a charge of {$2100.00} to my XXXX Citibank Credit Card # XXXX XXXX XXXX XXXX. The charge is in error because the customer service representative reversed a charge on my account without my permission. I am seeking to get this charge removed from my account, that finance charges related to the disputed amount be credited to my account be removed, and that I get an accurate statement. 

I have contacted Citibank on several occasions to get this issue resolved : On XX/XX/2023, I talked to XXXX Citibank Member Services, and the customer service representative reversed a previous credit without my permission. 
On XX/XX/2023, I talked to XXXX in customer service, and he requested on audit on this charge. 
On XX/XX/2023, I talked to XXXX and was told to wait XXXX business days, and I would see a credit on my account. That did not happen. 
On XX/XX/2023, I talked to XXXX and XXXX. XXXX told me to expect to see a credit on my account by XX/XX/2023. 
On XX/XX/2023, I received a letter from Citibank indicating they had permanently closed the dispute, and I had no further recourse. 

Enclosed are copies of the audit conducted by the dispute department at Citibank, veriyfing my claim that I had been charged twice for the item. The total balance should be {$2100.00}, not {$4200.00}. Citibank has yet to give me credit for the {$2100.00} due me. Interest is accruing on this item. My account is current on other items. 

Please do whatever is necessary to correct this issue.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Filed a dispute for rampant fraud on my checking account. They have provided me with provisional credit for some of the transaction but have yet to provide me full credit. Its been past the 10 business days required by reg E

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: FL

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 : TRANSUNION - XXXX XXXX ( BANK ) XX/XX/XXXX - XXXX ( BANK ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/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 2023-07-19 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: FL

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 : XXXX - XXXXXXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX EXPERIAN - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/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 2023-07-19 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: Opportunity Financial, LLC
State: OH

Complaint narrative:
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im currently on a FEMA natural disaster mortgage forbearance plan. It Started on XX/XX/2023. According to XXXX XXXX guidelines I have up to 12 months to be on forbearance. As of today Im still actively participating in the plan. However during my call to fifth third bank last month to extend my forbearance the telephone representative might or might assumed Im on a regular forbearance and is not protected by credit reporting. as of now there is a negative remark reported for month on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
A collection under the name Online Information Services appeared on my credit report as collecting for XXXX XXXX. I never received any notices detailing that I owed XXXX XXXX any money. I disputed with XXXX and they returned a notice claiming they received verification of the debt. There is a note on the acct that also states repayment is managed by court trustee. I have no clue what they are talking about and would like this removed off of my credit report. I have attached the dispute result that I've received.

Company response to consumer: Closed with non-monetary relief