vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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:
My credit report falsely has my dad 's account with XXXX  XXXX Bankruptcy attached to it because we have similar names. I've tried multiple times to ask one credit bureau called Experian to file a dispute to delete his account from my credit report. Over the course of the past 3 months Experian has been sending me emails saying the information I'm disputing has not been deleted as I requested but has been verified and updated. I asked Experian what can I do next, they just say there's nothing else you can do. Just refile a dispute and contact the creditor. I did both. I mailed a letter to the Creditor called XXXX XXXX XXXX XXXX, who my dad filed XXXX  XXXX bankruptcy with, and the mailing tracking system says they received it. And I refiled a dispute with Experian multiple times. They just send me back an email saying the account is verified and updated but not deleted. Now I just got an email back from XXXX XXXX saying that my credit has been decreased XXXX points. Apparently they thought I meant increase my dad 's balance and add it to my other accounts because XXXX and XXXX now are saying I'm delinquent on my payments for a XXXX  XXXX bankruptcy that I don't have. This is very serious for them to connect a XXXX  XXXX bankruptcy on my credit report and then refuse to try their hardest to do anything about it. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have good credit scores as in XXXX with my reporting agencies. 
TransUnion just dropped my score to XXXX as I had a new XXXX card with XXXX who didn't report a limit. 
Instead of viewing that as a great thing with XXXX trusting me with credit they reported against me. 
Please investigate this with TransUnion, another way to try to get me to pay more with credit problems. My scores should have gone up not dropped XXXX points!! 
this is the only thing that changed with them. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter from Synchrony bank that I was overdue in payment of my credit card. I was totally surprised because not only did not have a credit card but I never heard of this bank before. Next day I called the bank to explain that I have no idea what was that all about since I never had an account with them and did not know that the bank existed. 
First they told me that they had all my personal data, very scary, but they will take care of the mater promptly. On XX/XX/XXXX I received a letter from them to inform me that my request had been " denied since the goods were shipped to my address and I benefit from it ''. 
Whoever wrote this letter was lying, because I had never received any such items and if they were indeed shipped to my address I would have been aware of it. 
There was no effort from the bank, to my knowledge, to protect my credit information and find out who was the perpetrator and turn him to authorities. 
I am a XXXX year man I never have defaulted to any my account in my life and for sure not for {$110.00}. 
To add insult to my injury they send me a new credit card!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act SPRING OAKS CAPITAL LLC Acct # 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.

18 USC 1028A- Aggravated Identity Theft ( A ) OFFENSES. 

( XXXX ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

( XXXX ) XXXX XXXX. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I get trapped in scam or fraud. 

I collect enough proof of scammer in which scammer already convicted the crime on my paypal account but paypal still not taking any action on those scammer by this way paypal is helping scammer to do their scam all the time without any limitation or taking action on them. upon telling paypal that i can show them proof but still paypal said even with those strong proof they will not take any action on scammers. Thats clear indication that paypal helping scammers. there was {$6700.00} total disputed transaction. 

those accounts in which transaction happened was XXXX XXXX  {$1700.00}, XXXX XXXX {$1500.00} & {$500.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$620.00}, XXXX XXXX XXXX {$760.00} paypal is not secure way of doing transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have been a valued client of XXXX XXXX  since XXXX, pay timely payments. My information was used without my permission to close the account I had my account scheduled to be paid by XXXX XXXX, and set up on the XXXX  plan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: WI

Complaint narrative:
Purchase date XX/XX/2022 Order # XXXX Total- {$640.00} Purchase date XX/XX/2022 order # XXXX Total- {$760.00} I realized the charges on XX/XX/2022 & reported them immediately ( same day ) I also contacted my local Police department XXXX police department and filed a report. 

XX/XX/XXXX i received notice that they completed their investigation and that it " does not substantiate the claim as unauthorized use '' XX/XX/XXXX I filed an appeal. 

XX/XX/XXXX I received notice that they were permanently billing my account for the totals of {$300.00} for the billing date of XX/XX/2022 and XXXX for the billing date of XX/XX/2022 and that they considered the investigation complete. 

Most of these items were shipped to an address in XXXX XXXX. & none of the charges including some donations XXXX XXXX XXXX 's were made or authorized by Myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2023 I sent {$500.00} to XXXX XXXX via PayPal. {$510.00} was deducted to cover administrative fees. I never received the services and found out this was a fraud. I've tried to resolve it with PayPal, but they say because it's not for physical products, there is nothing that they can do. The recipient 's email is XXXX I've sent numerous emails asking for a full refund including the {$19.00} administrative fees and he has not responded. I can't believe PayPal supports fraud. I've also contacted XXXX XXXX XXXX XXXX which is the bank account that is linked to my PayPal, but they say they can't do anything because it's a PayPal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX XXXX Amount Owed : {$1000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. TRANSUNION DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX CREDIT CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS TRANSUNION IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A XXXX-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MI

Complaint narrative:
I sent my letter off XX/XX/XXXX, XXXX told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting % 100 Accurate. According to the FRCA 15 USC 1681 everything has to be % 100 Accurate. I have the credit report showing the inaccuracies. 

COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION PERSONAL LOANS- XXXX XXXX  XXXX ACCOUNT TYPE- UNSECURED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Truist bank account online in XX/XX/2023. I deposited the required {$50.00}. The next day, the account was locked. I can't access it or my money. I called and was told the account was closed. I got a letter saying it was closed and funds would be mailed in 10 days. After about 45 days I called and was told I must go to a branch with my ID. They said they will not be mailing a check until I do so. I specifically opened an online account so I would not have to go anywhere. I just want my money returned. They took it, never allowed me to access it, and won't give it back. I just want them to do what the letter said they were going to do. 

I'm also getting emails that I have a statement. I can't access it. This letter said the account was closed. Why would it have statements? I'm worried they're charging fees too. 

If they send a letter saying the account was closed, it should be closed! And funds returned!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: TN

Complaint narrative:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, TRANSUNION, XXXX PACER, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I hold LexisNexis responsible for providing false and inaccurate information about my XXXX XXXX XXXX car that had Air bag Deployed during an accident which was not true and reported by LexisNexis. 

My car was stolen based on XXXX police report # XXXX attached here. This report doesnt mentioned anything about XXXX XXXX XXXX. 

LexisNexis false report was provided to XXXX company owned by XXXX. 

XXXX indicated that they are not responsible for inaccurate information since their source of data is their third party and provided by LEXIS NEXIS. 

XXXX has claimed that their source of data collection is from LexisNexis and they are not responsible for accuracy of their report that is published by XXXX or their XXXX company. 

LexisNexis false report has caused my car value dropped substantially when i was first aware of this false report in XX/XX/XXXX when I was going to trade my car at the XXXX XXXX. I hold them accountable for my financial loss. 

I would be more than happy to settle with them before I take any legal actions. 

Sincerely XXXX, XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!! 
These accounts should not be furnished in my consumer report [ a ] in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
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 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 TRANS UNION 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