vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on 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 XXXXXXXX

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I disputed an account listed within my credit reporting file and requested copies of all documentation obtained in the process of verifying that a debt should be on my credit report to ensure they are performing a legal investigation into the validity of the debt as required by federal law to ensure only 100 % accurate information is being reported. I am not familiar with the company and have not done business with the company reporting the debt to the credit reporting bureau, however, I only got a notice the debt was supposedly verified and that it would remain on my credit report. 

The business reporting the incorrect information XXXX XXXX XXXX XXXXXXXX XXXX  to the Credit Reporting Bureau ( Experian ) will not provide any documentation that they performed a legal investigation into my dispute, as I did not do business with anyone listed on this account, I requested a copy of any signed documentation ( from both Experian and XXXX. XXXX, XXXX ) that was supposedly signed by me authorizing the original account be opened in my name and with my social security number, neither company has mailed me or emailed me any signed documentation of my authorizing any account in my name or social security number. 

This information is not correct, and I am unable to get it cleared from my credit report. 
Federal Law requires only 100 % accurate information be reported in a person 's credit reporting file and Experian is failing to follow the guidelines set forth by the Federal Government and the reporting business is failing to provide any signed documentation that the account was authorized by me, I would like to see a signature so it can be compared to my lifetime of signatures by a specialist.

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have notified collection agency that debt is not valid, as they are collecting for XXXX XXXX XXXX, never did I sign up for XXXX XXXX as I have had XXXX XXXX XXXX XXXX, I simply requested a quote. I advised collection agency numerous times, through phone, email and messages this is not a valid debt, nor do I owe them for this debt, they responded by validating the debt on my credit bureau and adding it a second time, so now the debt shows up 2 times.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Amazon Synchrony The Billing Date is on the XXXX of the month. 
When you pay the balance in full between the XXXX and XXXX then it does not count as a payment for the billing cycle ending on the XXXX. 
Any charges made after full payment an the XXXX of the month will be due by the XXXX of the next month or be considered past due and a late charge is charged. 
I have complained to the company and have been told that I can only make payments between the XXXX and the XXXX of each month or they will be applied to the previous month. 1 ] its hard to remember that we can not puchase anything on Amazon until after the XXXX of each month. 2 ] if the billing cycle ends on the XXXX any payments after that billing cycle ends should go to the next billing cycle, after all if we missed that date with a payment we would be penalized. 
The answer I get when trying to work this out is " I'm sorry but this is a company policy ''

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-04-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, and Child Support Enforcement # XXXX 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 states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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 convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and Child Support Enforcement # XXXX 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 states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.

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 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: Netspend Corporation
State: KY

Complaint narrative:
So I did my taxes and either for errors on the code and then all my information linked out and my car 's got stolen and I need help with mortgage insurance Bank ranking

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

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. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

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. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-04-05 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: CO

Complaint narrative:
Since becoming the victim of identity theft, I recently checked my credit report with transuion and XXXX and notice that I have 2 accounts from ( XXXX ) and another from a company called ( XXXX XXXX ) that are fraudulent accounts that's showing on my credit report that does not belong to me. Farther more, I discovered from reviewing my credit report from transuion that I have 11 negative inquiries thats reporting on my credit reports that does not belong to me. The 11 negative inquiries are the following XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX 's XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX 's XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX These accounts are fraudulent and does 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 2022-04-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following have violated my rights : account number XXXXXXXX XXXX XXXX last for of account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
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 states : A consumer reporting agency can not furnish an account without my written consent

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 2022-04-05 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: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Equifax responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-04-05 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-05 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: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/22, I sent Experian a dispute regarding personal information they are furnishing that is not accurate. Experian is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information.

I have notified Experian that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with.

Experian only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Experian did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Experian is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Experian regarding my dispute. 

I did not give Experian permission to furnish this information in any consumer file or consumer report concerning me. 

I also requested full disclosure of the consumer file concerning me in Experian 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. 

I provided Experian with a copy of my ID and a current bill showing my address.

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 2022-04-05 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: GA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

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 2022-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
At this point I've sent a letter to Capital One First Letter sent on : XX/XX/2022 Capital One - is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Capital One HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-04-05 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation