vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on transunion it shows {$4800.00} on XXXX is shows {$4800.00} date opened on transunion it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on XXXX it shows 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 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on XXXX  it shows {$4800.00} on equifax is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on equifax it shows XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} experian says it is {$0.00} XXXX says it is {$830.00} date opened XXXX  states XX/XX/2017 experian states XX/XX/2017 XXXX states XX/XX/2017 not all equal

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 2022-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 I tried to sell my gas range on XXXX marketplace. The buyer said she transferred {$250.00} via XXXX from her account to mine. I never received that amount and instead received an email saying that buyer is using her business account for XXXX and she will have to upgrade her account by sending {$200.00} more because there is a limit. 
I then got an email as if it came from XXXX saying that {$450.00} is on hold and I have to credit back {$200.00} to the sender. I initiated a {$200.00} XXXX credit which got processed and I never received {$450.00}. Later bank of America ( my bank ) told me that it was a fraud.

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 2022-06-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act displaying the address - 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 XXXXXXXX, has violated my rights. 15. U.S.C 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 explanation
Consumer complaint received 2022-06-26 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: OK

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


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX  Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account XXXX : 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 2022-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
The vystar website has been down for over a month. I have been unable to access my account to monitor my account due to vystar mismanagement of their online banking. Repeatedly customers were assured their funds were safe. I got a text today XX/XX/2022 that I had a fraud for {$1.00} but it was really {$100.00} and Came to find out that this has been going on since early XX/XX/2022. Vystar never caught this fraud when it was coming from CA or WA or NY when I am in FL. In total my fraud has been up to {$250.00} and has been going on since XX/XX/XXXX. I was told that I had more charges that werent even popping up on my bank online account.

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 2022-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently XXXX XXXXXXXX XXXX Card services reported to Experian that I have a XXXX day late payment with them which is completely false. I paid my bill in full with a money order before the due date, I never received mail from them that my payment was late. This is fraud to report to Experian that my payment is XXXX days late, ask them to produce the money order payment, it never was returned 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 explanation
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

transunion says the balance is {$830.00} XXXX says it is {$0.00} XXXX says it is {$830.00} date opened transunion states XX/XX/2017 XXXX  states XX/XX/2017 XXXX states XX/XX/2017 not all equal

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 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} XXXX says it is {$0.00} equifax says it is {$830.00} date opened XXXX  states XX/XX/2017 XXXX states XX/XX/2017 equifax states XX/XX/2017 not all equal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash qpp is holding my money and has cause my carnote to be behind. It's even sitting for XXXX weeks I have went back and forth with XXXX. They removed my email from my account without my promission. And I have sent the requested information XXXX XXXX XXXX to new account they made me create XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} experian states balance is {$0.00} XXXX states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017

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 2022-06-26 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: IA

Complaint narrative:
In accurate information is reporting on my credit report and the bureau is not resolving the issue therefore not following fcra laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: IA

Complaint narrative:
In accurate information is reporting on my credit report and the bureau is not resolving the issue therefore not following fcra laws.

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 2022-06-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am the victim of at least {$39000.00} in unauthorized credit card charges allowed by Barclays against my XXXX XXXX bank account since XXXX - see attached list detailing unauthorized credit card charges. The list was provided by XXXX XXXX. 

XXXX XXXX says that these {$39000.00} in charges were electronic payments authorized '' by Barclays against my account ; yet XXXX XXXX can not tell me who at Barclays authorized these charges, and to whom payments were made. This is rather alarming, given the fact that I never used my Barclays credit card, or authorized anyone else to use it. 

I had a certified letter sent on my behalf to Barclays on XX/XX/XXXX ( copy attached ), asking them to explain how {$39000.00} in Barclays credit card charges - every one from a different credit card number ( some 59 in all ) - could be found to be authorized? And if so, to whom said payments were made? Interesting enough, Barclays also confirmed that no one else has a Barclays credit card with my name on it ; yet they can not explain how the charges were made against my account. All they will say is that the charges were " authorized '' (? ). 

On XX/XX/XXXX, I received a letter from Barclays ( copy attached ) noting that if I feel that fraud was involved, that I write to their fraud team at Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX- which is surprisingly where my first letter was sent. This seems to be extremely non-responsive.

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 2022-06-26 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: TX

Complaint narrative:
ON XX/XX/2019 MY HUSBAND CALLED THE POLICE AND MADE A FALSE REPORT SAYING THAT I HIT HIM WITH MY CAR. THE OFFICERS CAME OUT SPOKE TO WITNESSES & DETERMINED HE WAS LYING, THEY TOLD ME TO GO AHEAD & LEAVE. SINCE WE SHARES A AUTO POLICY WITH XXXX HE A CLAIM UNDER MY PIP. HE GAVE THEM A HOSPITAL WORKUP BUT FAILED TO SAY THAT HE HAD XXXX A FEW MONTHS PRIOR. XXXX FAILED TO CONTACT ME ABOUT THE INCIDENT, THEY ISSUED 100 % AT FAULT WHICH HAS AFFECTED MY COMMERCIAL INSURANCE THROUGH XXXX! I ASKED IF IT COULD BE REMOVED BEING THAT THEY DIDNT CONDUCT A INVESTIGATION NOR DID THEY REACH OUT TO THE POLICE. THEY TOLD ME NO I HAD TO JUST DEAL WITH IT BECAUSE THEY PAID IT OUT! AFTER I SUPPLIED THEM WITH DOCUMENTS THEY STILL REFUSED. I THEN REACHED OUT & SUBMITTED 2 DISPUTES WITH LEXIS NEXIS & SUPPLIED THEM WITH THE SAME INFORMATION ONLY FOR THEM TO REACH OUT TO XXXX INSTEAD OF DOING A FULL INVESTIGATION! BOTH AGENCIES HAVE VIOLATED MY RIGHTS TO THE FULLEST.

: 15 U.S.C 1681 S-602A STATES I HAVE A RIGHT TO PRIVACY : 15 U.S.C 1681 S-604A STATES THAT REPORTING AGENCIES CAN'T FURNISH INFO WITHOUT MY WRITTEN CONSENT : 15 U.S.C 1681o CIVIL LIABILITY FOR NEGLIGENT NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
transunion states balance is {$540.00} XXXX  states balance is {$0.00} XXXX states balance is {$540.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX states XX/XX/2017

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 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} XXXX states balance is {$0.00} equifax states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: IL

Complaint narrative:
there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: OK

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


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX  Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account XXXX : 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 2022-06-26 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: OK

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


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account XXXX : 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 2022-06-26 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: CA

Complaint narrative:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} experian states balance is {$0.00} XXXX states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017

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 2022-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have recently ( In XX/XX/2022 ) learned that an account ( XXXX XXXX XXXX phone ) was opened in my name. That phone bill was ran up to {$1600.00}. That account was later sold to CREDENCE RESOURCE MANAGEMENT ... ... .I have sent letters of denial and recently filed an Identity theft report with the FTC XXXX attached ) as well as sending CREDENCE RESOURCE MANAGEMENT the same. I have recently received notification from CREDENCE RESOURCE MANAGEMENT that they have investigated my previous denial letters and requests and have reached the conclusion that this account was validated and verified to be mine without actually providing ANY of the requested documents that are needed to complete their " INVESTIGATION ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: IL

Complaint narrative:
there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws

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 2022-06-26 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: IL

Complaint narrative:
there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws

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 2022-06-26 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: FL

Complaint narrative:
In accordance with The Fair credit reporting act XXXX  account # has violated my rights.

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

15U.S.C 1681 section 604 A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions. 








In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

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

15U.S.C 1681 section 604A 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