vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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:
I obtained this secure card to improve my credit, but XXXXXXXX XXXX XXXX XXXX XXXX did nothing but destroy my credit. They incorrectly reported my balance as {$700.00} when my balance was XXXX. 

I spoke with a representative and a supervisor on XX/XX/2022, and they acknowledged that my account was paid in full, but there was nothing they could do to correct their mistake on my credit score because they would only report once a month.

They told me I had to send a letter regarding incorrect past reporting on three different credit bureaus, and it would take time for them to review and correct.

Inaccurate payment history information prevents me from obtaining the credit I'm trying to apply for because it lowers my credit score. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been in touch with Equifax multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My identification was stolen and the person opened a XXXX account and I keep receiving letters regarding fraud charges.

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 2022-04-30 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:
I accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Around XX/XX/2021 we noticed a balance transfer from our credit card and reported it right away to the credit card company HSBC. They said they would take care of the matter i had to ask them for a replacement card they wouldn't of replaced it if i asked them which you would think they would if i just reported a fraudulent transaction. So we asked them to investigate and there investigation was a copy of the check which was cashed on XX/XX/2021 9 days after we reported the transaction plenty of time to stop payment.the transaction was for {$1500.00} plus balance transfer fees and monthly interest we are 7 months into this now the police investigated and found it to be fraudulent notified HSBC every time we call HSBC they tell us they check and call us back. Because of this my credit rating dropped XXXX card closed our account and XXXX others lowered our credit limits causing my score to drop due to debt to ratio we lost {$10000.00} worth of credit from the other cards. Can you please help apparently they don't care when even the XXXX, pa police dept. found it to be fraudulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: FL

Complaint narrative:
IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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



15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my written instruction.

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 2022-04-30 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, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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



15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX the birthday is incorrect too

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 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX I applied for the Discover Cash Back Credit Card. My reason for doing so was specifically to take advantage of the advertised 15 month 0 % APR for purchases and balance transfers, to simultaneously consolidate my debt and build my credit. During the application process, I was experiencing performance issues on the website, with long delays between each stage of the application. Near the final stage of the application, a screen came up informing me that the advertised introductory APR would not apply, and I was instead offered an alternative, very high APR, not at all close to what was advertised. I had no intention of agreeing to this offer, but due to either input lag and/or website error, this offer was accepted without my consent or agency. I called Discover immediately after to dispute this and ask that the involuntarily accepted offer be voided without having a negative effect on my credit card, but I was informed by the representative that my only option was to close the account and no matter what this would be listed on my credit report. 

I am writing to the XXXX XXXX office to ask that this matter be reviewed. As an XXXX raised in poverty, it has taken me a very long time to build up my career and credit, and I don't wish my progress to suddenly and drastically be reduced due to a technology error. I had no intention of accepting the exploitative offer that replaced the advertised introductory offer, and I would like for this application, account and credit check to be entirely voided from all my credit reports without any penalty to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all XXXX credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all XXXX bureaus.

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 2022-04-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Account name XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: Army and Air Force Exchange Service
State: TX

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

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-04-30 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:
I accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was discharged after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to 2 hospitals. The first hospital as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time I was working for the state of Florida and had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these 2 accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. XXXX never sent me a letter of reinsertion to explain why. I disputed again and XXXX is refusing to remove the accounts off my record. No idea why, as it merely says the information was updated. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Accoufft # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ID theft Criminal tried to open a credit account fraudulently in my wife 's name ( XXXX XXXX. Date XX/XX/XXXX. Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX denied the fraudulent credit card application due to our low credit rating ( etc, ) - thankfully! XXXX XXXX XXXXXXXX sent XXXX a letter about the application denial- reference # XXXX- the letter was dated the same date as the fraudulent inquiry to Experian : XX/XX/XXXX ( XX/XX/XXXX ). Experian now has a fraud alert and account freeze ; XXXX also has an account freeze as of today XXXX. XXXX is closed on weekends! XXXX XXXX XXXXXXXX also has a fraud alert as of XXXX XX/XX/XXXX? XXXX. All these companies are researching no results received yet. 

Experian has wrong information on our credit report. While they correctly noted we have only XXXX active credit cards : XXXX - XXXX balance ; XXXX XXXX {$1400.00} ( now {$130000.00} ) which is our actual total debt until yesterday when we bought a XXXX XXXX XXXX from XXXX XXXX ( XXXX, La ) with {$15000.00} down and {$15000.00} financed ( 6 year loan, 5.89 %, $ 299 monthly ) by XXXX XXXX XXXX XXXX. 

The Experian credit reported additional debt of {$4200.00} previous week and now ( last week ) {$8600.00} which is incorrect to our knowledge. We reported this to Experian- they are researching. 

Besides the obvious fact that this is reporting fraudulent debt, Experian does not include in their report where or the whom this debt is coming from- which is bad reporting on their end. They are researching this as well - no solution thus far. 

Please help us with this ID theft ( or direct us to those who can help ) and fraudulent credit report debt information ( and lack thereof ). 

Thank you in advance.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
the debt is paid IN FULL {$410.00} and was stated on an recorded line that it will be REMOVED FROM XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My names XXXX XXXX, I had called a few weeks ago to file a dispute on my credit but the thing is I shouldnt have a credit score I never applied for a credit card to begin with. I dont know the whole process of this and how it works but I would like to file a dispute on anything that is opened in my name that is on a credit card or anything that is making me have a low credit score if I never applied for a credit card to begin with. The only thing I should have under my name is the debit card that I use with XXXX XXXX. Thankyou for your time and I do hope that you guys can reach out to me and help me with this problem Im having.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX  the birthday is incorrect too

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 2022-04-30 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy. 

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my reports.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have been in touch with XXXX multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation