vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: AR

Complaint narrative:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$2600.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX & XXXX {$2600.00} Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance XXXX {$950.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-07-18 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: AR

Complaint narrative:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$2600.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$240.00} ; 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 Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX & XXXX {$2600.00} Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance XXXX {$950.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am a victim of Identity Theft. 

I have called Synchrony Bank/ PayPal Credit multiple times after I received a summons to appear at small claims court, on XX/XX/2023, for a debt in the amount of {$2700.00} as well as a court filing fee of {$120.00}. 

I have repeatedly told them I never opened an account with them and that this is all fraud but each time I was ignored and even treated with hostility at times. Most told me that there is nothing they can do and I will just have to pay a debt, I do not owe.

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 2023-07-18 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: Atlanticus Services Corporation
State: AR

Complaint narrative:
I have wrote to the Credit Bureaus several times. The last letter I wrote was XXXX XXXX. I also called about different names and addresses listed in my report. I have asked for documentation with my legal name. I have provided a copy of my drivers license, social security card, and lease agreement to verify my name. The mail theyre mailing doesnt belong to me. I have also written them to let them know the mail theyre sending doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

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 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 2023-07-18 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: CA

Complaint narrative:
I have sent multiple dispute letters to XXXX XXXX and Transunion. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.

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 2023-07-18 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: CA

Complaint narrative:
I have sent multiple dispute letters to XXXX Equifax and XXXX. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
I went to XXXX XXXX located in XXXX, Illinois and I was applying for an auto loan and I was informed that my credit wouldnt be ran more than once but to my knowledge after reviewing my credit reports there were two inquiries listed on my credit report that I didnt recognize nor gave authorization to check my credit report. The inquiries l that i was not aware of is listed below. 

XXXX. ) XXXX XXXX XXXX. ) 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 2023-07-18 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: WI

Complaint narrative:
I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

XXXX, Equifax and XXXX have reported as recent as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: WI

Complaint narrative:
I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

Experian, XXXX and XXXX have reported as recent as XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank issued a XXXX XXXX to me, that I never requested or received. Fraud charge of {$20.00} was placed on this new card. I was at the bank when we discovered it, reported it to credit card department # XXXX & reported that it wasnt me, I NEVER HAD THE CARD. Closed the account right then and there on XXXX XXXX. Since then with multiple calls from my bank & me to this agency. NOTHING HAS BEEN DONE!!!! Except added late charges to this closed/frozen account ( now charges are $ XXXX ) ALONG WITH MY CREDIT SCORE GOING DOWN FROM XXXX to XXXX as of XX/XX/2023!!!! I keep getting the run around on this fraudulent charge and Now its missing with my credit rating.. Can you please assist me, Im getting no where but, do have a Claim # with the credit card company. They said it should take 2 bill statements to clear up but, you can see its been almost 3 months & ruining my life & credit!!!! The credit card company is now calling me for late payments!!!

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In about XX/XX/XXXX I applied for a BJs Credit Card  and was granted a Master Card in the amount of {$1500.00}. 

I received a bill in the mail for {$35.00} placed on my MasterCard for the renewal of my BJs membership. At the time when I received the bill, I knew it was an ERROR because I had not ACTIVATED this credit card AND had not AUTHORIZED any purchases. I immediately contacted BJs and explained to them that a {$35.00} charge was placed on my MasterCard that I did not AUTHORIZE. 

I asked if the charges could be removed because I did not make them. The young lady stated she would REMOVE THE CHARGES immediately. That was not done as promised! 

A month later I received a bill from BJs stating I owed the {$35.00} plus a late fee of {$16.00} which totaled my bill to {$51.00}. Again, I got on the phone and contacted XXXX Capital Bank to resolve the issue. Again, I was assured that the {$51.00} would be removed from my account. That was not done as promised! 

I received a letter dated XX/XX/XXXX, stating Ownership of your BJs Perks Plus MasterCard account has been transferred from XXXX XXXX Bank to Capital One, N.A. and is now called a BJs One Mastercard. As part of that transfer, were reaching out about an important change to your account. Capital One gave me a new account number.

I contacted Capital One and explained what happened and asked for the charges to be removed from my account. The young lady at Capital One stated she would contact the three credit bureaus to have the information wiped/removed from my file. That did not happen.

I have been blatantly getting the run around for the longest time and everyone I have spoken with regarding getting this matter resolved- They have FAILED me. 

When I applied for a Home Mortgage Loan my credit score had dropped significantly due to this infraction.

I am totally devastated because this gives LENDERS the impression that I am NOT capable of paying my bills in a timely fashion, which is NOT true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My landlord wants me to pay the rent through Venmo. I tried to set up a Venmo account and I received a message that I was rejected because of a violation of their terms of service agreement. I asked what the violation was about and they refuse to tell me and they said that they are not obligated to do so. I have had email contact with them, and I'm sorry to not be able to share those with you, and they told me that I have to contact the person who rejected me to have a Venmo account authorized. I don't know who that is and they won't tell me. I'm on social security and XXXX XXXX for XXXX part time. The account I want to open will be connected to my debit account and if the payment isn't in the account it's not going to be authorized. I don't understand why they are doing it and I am not going to injure Venmo or the XXXX financial system. Please help me open the account Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: U.S. BANCORP
State: OK

Complaint narrative:
When I was XXXX yrs old with no job and no credit. 
I opened a US bank debit card with {$700.00} in XXXX. I did used the entire {$700.00} it was my first year as a college student. My mistake I didnt close the card after spending all of the {$700.00}. 

Later in the following years XXXX and XXXX, I began getting letters from US Bank and a bill collecting company Monarch requesting I pay them {$5100.00} for a over draft account. 

Myself and my mother have tried called US BANK telling them this is fraud and I have never had {$5000.00}, but we keep getting the run around with no assistance. 

Thank you for helping, I do not want my credit ruined before I even get a chance to start my career after college graduation.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is continuing to report incorrect information ( late payment, when there is not ) and incorrect account status ( open, when it is closed ) on my credit report. 

As seen in attachments : XXXX has DELETED the incorrect late payment in writing. 

XXXX has DELETED the incorrect late payment ( and correctly listed the account as closed ) in writing. 

XXXX XXXX XXXX  themselves, attests that this late payment should also be DELETED in writing. 

Equifax has also DELETED the incorrect late payment in writing, yet they have recently contradicted their own finding and correspondence and have now re-listed this payment as late and the account as open... Both are incorrect and is causing harm to my credit report. 

This has been the THIRD time I filed a complaint against Equifax about the same issue that is still unresolved... 

I demand for Equifax to follow the correct decisions of XXXX XXXX XXXX, XXXX, and XXXX to promptly DELETE this incorrect late payment still showing on XX/XX/2022 from XXXX XXXX Bank and for this account to be officially marked as CLOSED. 

Especially since this is the THIRD time I have filed a complaint against Equifax on the same issue with no permanent resolution, failure for Equifax to permanently DELETE this incorrect information and failure for Equifax to show this account as CLOSED will result in immediate small claims lawsuit after the allotted time set forth by the CFPB and applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I have sent multiple dispute letters to Experian XXXX and XXXX. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.

Company response to consumer: Closed with explanation