vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: NC

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. 

XXXX XXXX XXXX  # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
Please 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 non-monetary relief
Consumer complaint received 2023-04-07 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-07 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 HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, 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 non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: WI

Complaint narrative:
I contacted XXXX XXXX via website and phone on XX/XX/XXXX & by phone on XX/XX/XXXX. No response from them. XXXX was a leasing Management company for XXXX XXXX for half of a year that I resided there. I tried contacting them in XXXX when I first seen the debt but no answer or response. The charge is for rent ( they had the deposit ), late fees, carpet cleaning for apartment, and a broken storm window from the 2nd floor of tri-level that was broken by a storm. They charged 2x for the carpet cleaning. I informed maintenance and management of the broken window the next day after the storm, but no one responded or came to fix it until I moved out. I tried reaching them in hopes of getting a payment agreement for the derogatory mark on my credit and because they were the ones who filed it but no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: NY

Complaint narrative:
For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to XXXX, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.

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 2023-04-07 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: NY

Complaint narrative:
For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to XXXX, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.

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 2023-04-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
The company Keynote Consulting INC is asking me to pay {$10000.00} for a debt that I do not owe, this debt belongs to my husband XXXX XXXX which we have been separated for XXXX XXXX years. I did not give no one permission to use my name for no purpose like co/sign. at as you examine the document take a good look at the document and you will see that my name has been forged electronically under my maiden name. I've attached my Id to show you how my name is spelled and written, I contacted consumers credit union and Keynote Consulting Inc about this matter constantly about this, but the specialist was only concerned about payment Iam a very sick woman I've been diagnose with XXXX 14 years ago and Iam fighting for my life every day ; therefore, the last thing I need is to have my identity stolen. this is not my debt and Iam not associated with this debt by no means, this debt belongs to my husband, he is responsible for this debt, please reach out to these company and have them to delete this off my Credit report. 
Please and 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 explanation
Consumer complaint received 2023-04-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I tried to do a mobil deposit on XX/XX/XXXX- There was no notice the system was malfunctioning. I finally received a reply on XX/XX/23 advising they have technical difficulties and to try in 24 hours. 

In 24 hours I tried again, and it still does not work. I have emailed on XXXX, XXXX and again on XXXX with no reply from the bank. There is no notice on their website and it is IMPOSSIBLE to connect w a human at this bank. They have a virtual assistant that is never of any use. 

I had a problem on XX/XX/23 where one of my bill pay checks never made it to the receiver. It took me until XX/XX/XXXX to get a reply. Then I followed up with them on XXXX as a result of their reply and never heard back from them until XX/XX/XXXX. This is unacceptable. They do no reply in 24 hours and impossible to connect with a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : Here are the companies and dates of occurrences : Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
Please 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 2023-04-07 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: LEXISNEXIS
State: AR

Complaint narrative:
On XX/XX/2023, I initiated submitted a complaint via CFPB to LexisNexis to remove Bankruptcy from their database due unlawful practices according to the 15 usc 1681a- ( e ) and I also provided supporting documents to support my claim. LexisNexis responded back with a response to CFPB with a document attached outlining their response. However, the letter is clearly addressed in my name, BUT it was mailed to UNKNOWN ADDRESS of XXXX XXXX XXXX XXXX, XXXX WI XXXX. I have never lived at this address. All of my supporting documents that were submitted to LexisNexis have my correct address included on my Driver License. This is a violation of my privacy and confidentiality. LexisNexis also mentioned that on this response document mailed out on XX/XX/2023, addressed in my name ( XXXX XXXX ) but mailed to the Unknown address " a resolution letter outlining the results of our reinvestigation and XXXX XXXX 's statutory rights was mailed to her directly for her review ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It was yesterday the XXXX of XX/XX/2023 when I was alerted from my afternoon nap by an email from PayPal saying they have canceled my withdraw to bank and they have limited my account and I won't be able to touch the funds in my account. I have been using my PayPal account since I opened it without any problems a few months now. It is a personal account that I use to receive gifts and withdraw them to bank account, no business of any kind. Since opening I have been receiving payments from one sender every now and then. Yesterday I received a gift amounting to XXXX in my PayPal account from a friend, this makes her a second person to ever send me money in my PayPal account. This money came in 5 transactions to be used for different purposes during XXXX holiday. After withdrawing to my bank that is when paypal, without any reason deciding to cancel the withdraw and limit my account. They asked for three documents, I submitted two waiting to get the third document next week because I don't have it handy. Then I saw that paypal has permanently suspended my account and held back all the money. In this case, I didn't commit any fraud, there are no suspicious transactions and nothing at all. I have contacted them throughout but they have been rude, unhelpful and they are using racist and renegade artificial intelligence to block accounts without any problems. If you investigate, you will find that I'm saying the truth. I'm here to seek help from this behavior and they should reopen my account without further discussions because I did nothing wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 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: MD

Complaint narrative:
Dear TransUnion, I am writing to dispute the accuracy of information that is being reported by your company regarding my credit report. Specifically, I am disputing the XXXX XXXX XXXX account that is showing up on my report, which is reporting fraudulently. 
I have previously requested a debt validation from the business, and it was revealed that the account was opened on XX/XX/XXXX, whereas the statement that was sent to me by a XXXX XXXX XXXX representative stated that the loan kicked in on XX/XX/XXXX, and that was when it started reporting. This is a clear contradiction and it is very concerning that XXXX XXXX XXXX is reporting such inaccurate information. 
Furthermore, the statement also stated that a late payment of XXXX was billed weekly, which is fraudulent. Additionally, the address on the paper has XXXX XXXX XXXX, XXXX Florida, while the statement shows my actual address in XXXX. This is a clear indication that this account has been fraudulently reported and it is sad that TransUnion has continued to report it as accurate. 
I would also like to inform you that an identity report has been filed with the FTC, and I will be pursuing legal ways to ensure that this account is removed from my report. It is important to note that the account has been charged off since XX/XX/XXXX but still reports a balance every month, and the business can not even provide that in a statement. 
Therefore, I request that you remove this account from my credit report immediately, and include the violation code that was violated in your response to my dispute. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX * 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable investigation of disputed information on a credit report * 15 U.S.C. 1681i ( a ) ( 2 ) : Failure to review relevant information submitted by the consumer in support of a dispute * 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to correct or delete inaccurate information on a credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: CA

Complaint narrative:
Please look at the attached documents, the personal information you are reporting are not mine.

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: KY

Complaint narrative:
The paypal prepaid card is continuously getting canceled by someone. This has been an ongoing problem with most of my credit cards. The law is unwilling to give me a police report for theft for the ftc and the USPS is unwillingto investigate postal theft. The account number is XXXX, my name is XXXX XXXX XXXX and the amount is 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 2023-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights, XXXX XXXX XXXX ACCT. # XXXX, XXXX XXXX XXXX  acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXX XXXX acct. # XXXX XXXX XXXXacct. # XXXX my nights.

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 acodunt without my written instructions

Company response to consumer: Closed with explanation