vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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:
My question that i have to ask is why are these accounts coming back as verified? I've provided proof along with an report. Its been going on for 3-4 months with no results yet of these fraudulent accounts being deleted from my file. There are even balances that are reporting {$0.00} that i didn't open but is still showing closed when i never opened it. why can't these items be removed? they are destroying my character and causing me very hard time with wanting to apply for things but knowing i cant because my report is horrible. remove these items quickly because this isn't making any type of sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd

Complaint narrative:
Wise closed my account from XXXX of XXXX and has final respond to make refund for my remaining balance but they still not send it to me. 

They already asked me about refund account details. 

I've tried to contact many times but they still have not make refund to me till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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:
I disagree with the account listed below which still appears on my credit report. Even after investigation, I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 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 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 have violated my rights. 
In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.

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 2024-08-04 00:00:00
Product: Credit reporting 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:
IVE RECENTLY CHECKED MY CREDIT REPORT AND IVE NOTICED SOME UNAUTHORIZED CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over XXXX  years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a XXXX XXXX  Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my XXXX XXXX, but the XXXX authorized users as well. Remove them from this account. I can be reached at 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 2024-08-04 00:00:00
Product: Credit reporting 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:
The following accounts that are listed on the file below is coming back as VERIFIED. That is defamation to my character! It's been XXXX long months of me making an report for these items to be removed from my credit report. There has been vehicles, apartments and even loans listed in my name that I've never gave any permission to that's open in my name. I am demanding an investigation to take place for it is not only destroying my credit but it is making my character look horrible. please remove all of these fraudulent files from my report now and i mean asap i will not go another month of these accounts coming back as verified no no no.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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:
On several occasions I have requested a review of my credit report, without receiving a response from the companies because there is incorrect and inaccurate information that is affecting my ability to access better financial and credit options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX sent me an electronic letter stating that they made a decision to close my XXXX account due to various reasons. I have been a XXXX customer for over XXXX years and make monthly payments. In addition, I have other cards with XXXXXXXX XXXX that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, XXXX continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with XXXX. I am asking that XXXX either reopen my account or agree to a XXXX XXXX Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX items are on my report XXXX account that wasn't given any permission to open which is XXXX XXXX. The other one is an inquiry which I've never consent any creditor to pull my credit for. I'm demanding removal thank you 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX trafficking XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE NELNET PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-04 00:00:00
Product: Credit reporting 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:
THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE XXXX PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.

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 2024-08-04 00:00:00
Product: Credit reporting 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:
THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE XXXX PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE XXXX PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
During a extensive investigation into all 3 credit bureaus ( XXXX, XXXX, and XXXX ) I see that there is information that is reportedly inaccurately in my credit reports ( Capital one-account type, high credit, and many more information ). According to the Fair Credit Reporting Act all information across all 3 bureaus should report accurate information which this account is in infringement of not reporting the most accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of XXXX ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation