vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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: IA

Complaint narrative:
Equifax Is reporting this collection as an " OPEN ACCOUNT '' XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : COLLECTION ACCOUNT Contact Info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Open Account XX/XX/XXXX XX/XX/XXXX {$630.00} XX/XX/XXXX 0 % {$630.00} S633 Individual Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: GA

Complaint narrative:
on or about XX/XX/XXXX a complaint was submitted to CFPB XXXX regarding XXXX account XXXX that Equifax has reported inaccurate information and they have verified to the consumer and the CFPB that the account is closed and having a XXXX balance this is dated XX/XX/XXXX in their response to my complaint XX/XX/XXXX, enclosed you will find a current copy of Equifax credit report dated XXXX XXXX confirmation # XXXX that states Equifax say this account ( Truist ) ia open and having a balance, enclosed is a letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX showing XXXX is correctly reporting to Equifax. 


THIS ACCOUNT IS CLOSED AS OF XX/XX/XXXX AND PAID IN FULL ... ..... 

FIX THIS IMMEDIATELY OR THERE WILL BE REPERCUSSIONS ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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:
I was the victim of a scam on XX/XX/2023, as a result of which I made ( under fraud ) 3 transactions totaling {$1000.00}. I called Venmo immediately, even before the money was deducted. They refused to take any action immediately, pushing it off up to 2 weeks. As a result, instead of canceling the transactions and saving me from being a victim of a scam, they let it process and allowed for the deduction. They then wrongfully denied my claim, without any follow up questions or requesting proof. I managed to stop the payments from my bank, but venmo is now holding my account hostage until I pay the full amount ( they also took my venmo balance hostage ). All of this could have been avoided if they took action as soon as I reported it and stopped the money transfer, which is reported within minutes. 
Venmo basically allows scammers to commit fraud, and let 's their customers be taken advantage of. Instead of taking action, they state they will investigate within the next 2 weeks. They could have immediately frozen the scammers account and prevented any loss. They also denied my claim of fraud without a proper investigation. They now hold mt account in arrears and threaten to go to collections, because of their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
The people answering my complaint still refuse to see it. My original account had been opened a year prior to this incident of XXXX XXXX falsely accusing her. Why was my first account being messed with in the first place? Wells fargo did a dirty and criminal thing against me and violated my civil rights. I never harassed XXXX XXXX. She violated our privacy rights by telling me that she made more money than I ever will and told me to take my XXXX XXXXXXXX son back in my home. They were both XXXX and XXXX screaming and cursing me out in front of my son. But lying saying I was saying it and how she came across the street and nearly assaulted me. I have a right to be upset at how my new account was closed after a short time of being open after I was forced to drive back and forth to the bank, so she would be there. The people at wells fargo ignores my side of the story I didn't even know she was even at the bank. How was I supposed to know that their head of security XXXX XXXX didn't bother to look at the security footage? This is all they want to do to me enrage 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 explanation
Consumer complaint received 2023-04-15 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: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 2023-04-15 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: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NY

Complaint narrative:
About my card ending in XXXX I reached out to citi dispute team several times, regarding a XXXX charge ( case ID XXXX ) posted on XX/XX/23 which was not found in my favor from the merchant XXXX filed by citi as Canceled service. I filed two other dispute with the same merchant filed as services never received which was found in my favor for dollar amount XXXX ( Case ID XXXX ) and XXXX ( Case ID XXXX ). The dispute team sended me a letter saying they closed the XXXX dispute saying " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. We apologize for inconvenience this may have caused. '' I reached out to citi several time prior requesting the filing reason they put to be changed but they did refuse to take appropriate action. Citi had 2 times prior found this XXXX dispute not in my favor but I had responded to citi and had the case reopened. I spoke with citi today inquiring about their logic which lead them to close a dispute as it took there team to long. In intrest that citi take action in resloving this dispute in my favor I would appreciate it that citi be reached out to and resolve this case in my favor.

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 2023-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Case # XXXX C F P B : This complaint ongoing since XX/XX/2022! 
Capital One keeps closing marked as duplicate as I submitted several times to TRY TO GET A RESOLUTION from Capital Capital closes without letter and resolution each time and frankly I am really tired of this! 

Capital : Letter please as to why duplicate case closed without resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Checking my Free Annual Credit Report with XXXX I found a XXXXComenity Bank Credit Card opened on my report that I had not opened and was fraudulently in my name. I disputed the report on XXXX and Sent a letter to Comentity Bank. However XXXX did not fix the problem after the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/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 2023-04-15 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/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 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/2023 I, XXXX XXXX decided to check my credit reports and I notice that my total debt balance was XXXX and I immediately check why and found out that there is a collection debt of about XXXX from company " IQ data International ''. Original creditor is " XXXX at XXXX XXXXXXXX XXXX  ''. In which I have no knowledge of these companies and debt collection mention. I had to immediately locked my credits accounts. I want to say that I was a victim of Identity theft a few years back and I was able to proof it to the debt collectors and they helped me remove the delinquent balances that didn't belong to me. Today I called IQ data International explaining my situation and they told me that they are going to send me some paper work to fill out and return it back to them with the documents or evidence that I provided last time with the others debt collections that I had before. This includes my driver license, police report, and documents from the lawfirm that initially made me aware that my Identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: NC

Complaint narrative:
I am extremely frustrated with all of the major credit reporting agencies ( Experian, XXXX, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a XXXX point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.

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 2023-04-15 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: IN

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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: U.S. BANCORP
State: TX

Complaint narrative:
My identity was stolen last year when someone broken into my vehicle ( police report number and FTC identity theft report attached ), US Bank and XXXX XXXX XXXX applied inquiries to my credit report that is fraudulent and unauthorized I did not apply for a loan with US Bank or XXXX XXXX XXXX in any form or fashion. I contacted US Bank and XXXX XXXX XXXX and informed them of these fraudulent inquiries showing on my credit report and they have failed to remove the inquiries.

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 2023-04-15 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: NC

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts * XXXXl XXXX * XXXX XXXX  * XXXXXXXX XXXX * XXXX XXXX XXXX XXXX Collections Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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:
Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even transunion themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX if I rely on yall to handle my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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:
Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even XXXX  themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX  if I rely on yall to handle my affairs.

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