vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Deposits payroll checks savings of US bank. 1 month after receiving and it bounced. Took 30 days more redeposits paycheck protection acts did not protect accounts. Instead forced closed military accounts. XXXX XXXX has stated they paid wait time bouncing and checks. Really if so none be forced closed.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : I am writing a dispute of my credit file for the following item : XXXX XXXX  XXXX acct # XXXX I am disputing the following accuracy in accordance FCRA 15 USC 1681i ( 5 ) ( A ) which states : ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The items in dispute for accuracy : The open date is inaccurate The number of months ( terms ) as inaccurate The High credit is reporting as inaccurate The last reported date is inaccurate Please forward an accurate report at the end of the investigation period. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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:
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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX- Account Number # XXXX  XXXX XXXX : Account info- Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-09-03 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: CA

Complaint narrative:
Filed a dispute with Experian for XXXX XXXX XXXX the dollar amount shows {$160.00}. This dispute was submitted XX/XX/2023 at XXXX XXXX, by XXXX XXXX  the system automatically returned my dispute saying nothing has changed There was also the same situation that occurred with XXXX. The company reported over {$11000.00} owed on my credit. I filed several disputes and Experian denied all disputes even with relevant information. I was forced to take XXXX to court and the balance was updated per court order. The correct amount was {$2500.00}. I contacted Experian by phone and online and was mistreated and ignored. 

XXXX contacted Experian and XXXX XXXX ( with XXXX ) emailed me XX/XX/. The very next day the reopened my dispute. I have been receiving unfair treatment from Experian and theyve not investigated my disputes according to the Fair Credit Reporting Act. 

This is my final attempt to get assistance before taking Experian to court like I did with 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 2023-09-03 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: ID

Complaint narrative:
I have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information has violated my rights. 

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. 

Name of Account Account Number Verification 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 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 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 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 Validate Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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 2023-09-03 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: TX

Complaint narrative:
i am not liable to this debt with XXXX XXXX i do not have a contract with this collection agency they did not provide me with any original contract as required

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 2023-09-03 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: TX

Complaint narrative:
i am not liable to this debt with XXXX XXXX i do not have a contract with this collection agency they did not provide me with any original contract as required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX, I went to car wash to vacuum inside of my car. I swiped my card and it didnt work, I tried my other card it didnt work. I tried again and it went through I did not think nothing of it, no obvious signs of tampering. I vacuum my car for about 5 minutes and leave, I get home and I get a notification XXXX $ declined XXXX  XXXX XXXX, then another one XXXX $ transaction XXXX  XXXX XXXX. I immediately open my app and see XXXX $ was stolen from my account. I filed a dispute immediately, I checked my XXXX  card I had also swiped and 2 transactions were also tried on that card. I contacted Branch twice before I got my response on my dispute. I get a email your dispute has been denied because it looks like I was involved, unique identifiers were used and its just bogus and outrageous. There has been multiple fraud attempts. This bank that I trusted with my school funds that get deposited for my career and future, declines my dispute of fraud. XXXX $ is not a small amount and this needs to be resolved.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
After Navient threatened legal action. I paid them XXXX as agreed to avoid a legal judgment. Two days after I paid the account it seems Navient or their representative reopened the closed account. This meant the status on the account changed from charged off and delinquent for 120 days to bad debt/collections. It could have been reported as charged off/paid. Or anything that represented that they now considered the account closed as they had received my payment. Navient 's website acknowledges the payment. Their counsel acknowledges the payment but they failed to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. 

https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to XXXX for their review and still did not follow up with removing such pretentious items from my credit. 

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by XXXX in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Nation Credit Adjust : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 crime 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 2023-09-03 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: PA

Complaint narrative:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts XXXX. XXXX XXXX {$150.00} XXXX. XXXX XXXX {$520.00} Inquiries XXXX XXXX XXXX XXXX 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 2023-09-03 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: PA

Complaint narrative:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts XXXX. XXXX XXXX {$150.00} XXXX. XXXX XXXX {$520.00} Inquiries XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Venom card service denied my dispute.. after I showed proof that I was in the hospital I have XXXX $ missing out my account and ant no way I use these money in the hospital on my death bed I have XXXX XXXX and XXXX with XXXX and they still denied my claim I submitted hospital records and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: LA

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

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 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 2023-09-03 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: LA

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

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I noticed some inquiries on my report that were not authorized. I have tried to fix this with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I noticed some inquiries on my report that were not authorized. I have tried to fix this with the companies.

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 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The transaction involves a payment attempt through the merchant XXXX which is offering a joint promotion with PayPal Credit dependent on amounts spent between XXXX, ending at XXXX PDT -- i.e., Get 0 % APR for 12 months on purchases of $ XXXX and Get 0 % APR for 24 months on purchases of $ XXXX. The purchase amount is for XXXX -- inclusive of taxes and other discretionary expenses. However, once I click on the Pay with PayPal credit link they are not offering the terms of {$40.00} for 12 months as stated under PayPal 's Credit watermark on the original checkout pay on XXXX. This promotion seems either fraudulent in terms of being bait and switch or so poorly implemented that the two companies should have an enquiry opened to encourage meaningful consumer protections.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An address on my on my credit report with XXXX XXXX as the address is incorrect. I sent in a certified letter to Experian in XX/XX/2023 along with my driver 's license and paycheck. This information is incorrect and Experian is violating my rights by not removing this inaccurate address.

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 2023-09-03 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 explanation