vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2019 Balance : XXXX XXXX-Late/Closed Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: CA

Complaint narrative:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax, XXXX and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. 
listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish My report hard inquiries that are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CA

Complaint narrative:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, XXXX and Experian is govern by 15 USC 1681. And they violated my rights numerous of times. 
listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish My report hard inquiries that are not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: AR

Complaint narrative:
Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : XXXX XXXX XXXX XXXX XXXX : Collection : Fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: AR

Complaint narrative:
Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : XXXX XXXX XXXX XXXX XXXX : Collection : Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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 am a natural person, I am a living human being. And i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 161 : I have the right to privacy and i did nit give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX. 

Account Name XXXX  Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX  Account # XXXX XXXXXXXX Account Name Account #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
Procollect has put my account into collections from an identity fraud case. Someone stole my identity and opened up a gas, listing an incorrect address as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # 1 ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # 2 ) My questions went unanswered. I asked them why don't I have a credit score? My question still went unanswered. 
On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. 
On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. 
On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # 3 ) It took them more than 30 days to investigate and respond on my account. They also completely ignored all of my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
KEY BRIDGE is in complete violation of FCRA, FDCPA and HIPPA. I have not given KEY BRIDGE consent to obtain and have any of my non-public personal information nor did I sign any contract stating I am in debt with KEY BRIDGE or that have consent to report any accounts onto my credit report. 

KEY BRIDGE is severely damaging my life by reporting 5 plus accounts that does not belong to me ruining my reputation. # # XXXX, # # XXXX, # XXXX, # # XXXX, # # XXXX KEY BRIDGE has not sent a notice as required by FDCPA that they were attempting to collect a debt but somehow, I have several accounts from this company reporting medical bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Company : New York & CO/ Comenity Bank Account opened : XX/XX/XXXX Date closed : XXXX Original Debt : {$150.00} The account was closed on XX/XX/XXXX, I was behind on my payments since XX/XX/XXXX, i called the company to get support at least to minimize late fees. The operator told me that " they will pause the account, plus a two-month grace period. This agreement was not respected at all, even though the whole world was going through a big crisis/ covid-19 pandemic. From {$150.00} to {$430.00}, that's double the amount to be paid. 
Based on my consumer rights and the New State Regulations against illegal charges this account is time-barred ( more than 3 years since it was opened ). This company has been trying to collect a ridiculous amount, even when i called the bank on XX/XX/XXXX to work things out. Before the pandemic i was never late, i paid on time, and sometimes i paid extra. As a consumer i haven't been treated fairly, excessive fees were eliminated during the pandemic. Governor XXXX passed the bill, and Governor XXXX created the new Consumer Credit Fairness Act of XXXX which protects consumers from scrupulousness debt collectors t ( hat not ONLY harass but make threats ) to damage credit scores if consumers do not comply with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have contacted Barclays Bank via phone and mail and I have yet to receive a response I was a victim of Identity Theft I have provided those documents as well and they still continue to report incorrect and inaccurate information of accounts that I never had

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
In XXXX I ordered a new card. The card never arrived. I noticed Fortiva kept pushing card over the spending limit and reporting false information to the creditors. They kept the card they were supposed to send to me, and instead spent the card over the limit and reported false information. When I discovered they did this I asked for a new card and they told on themselves and claimed they been sent it to me even after I told them I never received it or used it. Someone at Fortiva was using the card driving up the limit on the card while refusing to send me the one that was ordered for 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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: LA

Complaint narrative:
Credit Karma led me to believe that i could get personal loans and or a credit card to help build my credit since ive been using their app. Everytime i have been denied and my time is wasted as well as my credit report getting worse instead of improving it. This is unacceptable and should be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
When I upgraded my credit card on XXXX, I was told that till XX/XX/XXXX the annul fee of {$95.00} will start to kick in. So I downgraded this card in XX/XX/XXXX. 

Yet, American Express not only charged me {$95.00} but also charged me a fee of {$53.00} on XXXX, XXXX. When I was trying to solve the problem with {$95.00} fee charged supposedly on my new non-annual-fee card, I found this hidden charge. 

I talked to their online representative and learned that because the free one-year period was over, so they started to charge. I said I didn't receive any reminder of that, not in your promotional materials, not in the email before you were going to charge me on XXXX, XXXX. This is fraudulent and misleading promotion. Hope more American Express users pay attention to issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
Possible loan company has put a derogatory mark on my credit report at - XXXX points due to one payment of XXXX dallors after I had emailed them several times about my payment when it was in good standing I wa neve late in my payments and our on time after they took their payment on XX/XX/XXXX and weeks before I told them to I had a payment plan and to stop Over drafting my bank account to be bias and aut of retaliation they reported me to two XXXX agencies and for negative XXXX points for XXXX they have no phone to be reached out address its completely wrong and fraudulent

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation