vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
For XXXX XXXX XXXX XXXX, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
For XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NJ

Complaint narrative:
In XXXX, my discovery revealed Experian, XXXX XXXX, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

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 2023-06-19 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: NJ

Complaint narrative:
In XXXX, my discovery revealed XXXX, Trans Union, XXXX, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of XXXX. XXXX requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

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 2023-06-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of XXXX. XXXX requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/XXXX I changed the funding source for my pp debit card from my XXXX XXXX account to my XXXX XXXX. I did this because there was no money in the account because my wife and I are changing financial institutions. Sometime on our before XX/XX/XXXX paypal changed the funding source back to XXXX XXXX, which is going to cost me at least XXXX dollars in NSF fees. And they did this without giving me any notification that the change had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: IN

Complaint narrative:
Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.

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 2023-06-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Syncrony Bank I was told someone would contact me within 30 days of a " ticket '' being submitted, that didn't happen. Have spoken to several Customer Service Agents to no avail, and two supervisors, also with no answers.

I have sent a letter by regular mail, it wasn't answered, sent the same letter a second time, registered, return receipt, still no answer.

Continued late fees all this time for paying early.

One month my payment didn't go through, and I didn't know it until very late in the month.

They still have not credited my {$100.00} payment paid early, and keep racking up {$40.00} late fees every month. 

I have docs to show

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 2023-06-19 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: OH

Complaint narrative:
Citibank fraudulently closed case XXXX XXXX  by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which 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 2023-06-19 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unbeknownst to me I had 2 Macy 's credit cards. I thought I only had one and I was paying the card off on time through the Macy 's website; but somehow, a second card got charged in my name and I had late fees ( of {$3.00} not very high ). I have never had a late fee or late payment on my Macy 's card and did not quite understand how I had 2 different ones but I had indeed made those purchases they claimed. I paid the charge and closed all my Macy 's credit cards on XX/XX/2023. Macy 's conveniently found a way to charge interest on the late fee of one of the closed credit cards ; I called again in XXXX and made sure that they remove all of these charges and REALLY closed the cards this time. On XX/XX/2023, I received a letter from Macy 's saying I owed {$0.00} on my card from interest fees. I once again called Macy 's and they claim they have a charge on my card from a Credit Service company in May, after the card was closed. I have again called for closure of the account and removal of the charge but doubt they are taking this issue at all seriously and fear they will continue to give sub-par customer service and eventually affect my credit score and 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 monetary relief
Consumer complaint received 2023-06-19 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There are multiple Charges From Online Suppliers by the name XXXX XXXXXXXX XXXXXXXXl I have called the owner of company and as the trans action was denied the company repetitively charged card for a total {$110.00} For the Past three months XXXX XXXX I asked to be reinstated due to stolen card and fraudulent charges and they transferred me to another country and they denied me over the phone which is completely unfair and violation of my consumer rights

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 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: NY

Complaint narrative:
I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
For XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: PR

Complaint narrative:
On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX  # XXXX ( XXXX XXXX XXXX of XXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken

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 2023-06-19 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: MD

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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