vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I informed Experian regarding an account that I've filed a local police report regarding. This account is fraudulent and identity theft, in which, Experian has never removed the account nor blocked it from my file. I have reason to believe Experian is willfully not complying. I've gathered all evidence of me attempting to have this account removed from my consumer report and they've refused. I have reason to believe Experian has NOT taken actual measures to investigate nor comply with Federal statutes as well as the FCRA. I've been denied credit and this has been extremely harmful to my reputation and has resulted in an unfair banking perspective. Despite my requests and proof of what I've alleged to be identity theft, Experian continues to purposely LIE stating they've verified something but refuse to inform me with who they personally spoke to, when they spoke to them, what evidence were they shown, etc. These are all questions I've asked. Experian continues to state they're " reinvestigating or reverifying '' upon my request, however, I've never made that request! Instead, I've supplied them with the necessary documents to block and remove this fraudulent account from my credit file and they've refused to comply.

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 2023-07-19 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CO XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

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

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

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

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

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

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

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A {$1000.00} payment was made from my PayPal account to someone I did not know. I don't know how this happened. 

I called PayPal to let them know this was unauthorized, and they said they could not prove it was unauthorized because they could not show any unusual login activity. They apparently determine " usual '' login activity based on repeated logins, so all they really determined was that the hackers waited a while before executing the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-07-19 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX  is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : 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 non-monetary relief
Consumer complaint received 2023-07-19 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I have been with the company since XXXX XXXX  i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : 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 2023-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-19 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: TX

Complaint narrative:
Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in Equifax, XXXX XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

Equifax credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Note : I was able to file dispute successfully online on Equifax XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. XXXX  Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : Name : 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 Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
There has been XXXX credit cards opened in my name that was not me dating back from 2014. They are all listed as charged off. I've disputed these accounts with the credit card companies, filled out affidavits for multiple companies. Ive also disputed these accounts with XXXX XXXX, XXXX, XXXX, and XXXX and need these to be removed from my credit report. There are credit cards opened for XXXX, Target who refused to acknowledge my dispute, XXXX, multiple from XXXX XXXX, XXXXXXXX XXXX Comenity BankXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and multiple from XXXX XXXX. Dating ranges from XXXX. All opened under my name, assuming by my ex wife without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
Hi, I have sent all the required documentation to Equifax to reflect my current address ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been experiencing issues with XXXX. XXXX  regarding an alleged debt that they have been reporting on my consumer report. The debt amount is listed as {$1500.00}, and I have been disputing its validity since XXXX of XXXX. Despite multiple attempts to request verification of this debt, XXXX. XXXX has not provided any supporting documentation to prove its validity. 

On XXXX, I sent my XXXX and final letters to Experian XXXX XXXX. XXXX, requesting proof of the alleged debt and how they determined it meets the requirements for reporting. However, they have continuously disregarded my letters and have persistently reported the debt to my consumer report without providing any verification. Additionally, I successfully submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX about this unverifiable debt approximately a month ago. Logged in to the CFPB portal today to check the status but somehow my complaint can not be found. XXXX. XXXX has continued to report the debt three more times within a two-week period. The most recent update was reported on XXXX, XXXX and XXXX I believe that XXXX. XXXX  ' actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to provide adequate verification and their continuous reporting of an unverified debt have negatively impacted my creditworthiness and caused unnecessary distress. 

I am seeking resolution in the form of a cease reporting, where XXXX. XXXX immediately stops reporting this unverified debt to my consumer report until they can provide adequate proof of its validity. I request that they comply with the FCRA and FDCPA regulations to ensure accurate and lawful reporting practices. If they fail to cease reporting within a reasonable time frame, I request that appropriate fines be imposed on XXXX. XXXX, amounting to {$1000.00} for each day the unverified debt remains on my consumer report. 

Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Email : 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern I XXXX XXXX I have a complaint against citi bank I have bank account in citi bank my debit card was compromised at some time in XX/XX/XXXXXXXX  and after that I get fraudulent activity through XXXX XXXX I lost my money thru debit card almost $ {$42000.00} I did complain through bank representative in XX/XX/XXXXXXXX  but they declined my case after that I contacted to bank XXXX XXXX XXXX XXXX they accepted my case and give me back {$20000.00} but didnt give me full amount they accepted that I get fraud in my bank account through debit card but they didnt want refund my total loss can some one help me out with this big company to get back my money Sincerely XXXX XXXX XXXX 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 2023-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 an account without my written instructions 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
No consent was given.

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