vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: VA

Complaint narrative:
On XXXX, Experian alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via Experian ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX Tree ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report Number : XXXX In contacting all 3 credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I consumer, XXXX wrote to TransUnion Consumer Relations regarding 9 hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via USPS on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. TransUnion made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. TransUnion did not provide how they investigated this issue and who confirmed that it was correct. TransUnion as a consumer reporting agency is not compliance with FCRA 15 USC 1681 to make sure that all information that is reported on my consumer report is correct and validated. TransUnion is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these nine inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place for when I. As a consumer I am entitled to receive damages up to {$1000.00} for each of the nine items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. 

I am attaching the letter that was sent which has all the nine inquiries that I am questioning.

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 2022-01-05 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: IL

Complaint narrative:
I SENT A DISPUTE TO XXXX, EQUIFAX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE XXXX ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO XXXX AND EQUIFAX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON XXXX. I ONLY WANT XXXX ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: IL

Complaint narrative:
I SENT A DISPUTE TO XXXX, XXXX AND EXPERIAN IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO XXXX AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON XXXX. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2022-01-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2022-01-05 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: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Comenity Bank XXXX took automatic payments from my bank account on XX/XX/21 in the amount of {$2400.00} twice. 

I called their customer service number and a representative told me they would refund XXXX of the {$2400.00} payments back to my bank account which posted on XX/XX/21. 

I received my XXXX monthly statement and observed that they added back {$2400.00} ( date of entry XX/XX/21 ). They have now billed me XXXX times for the {$2400.00} and only credited me once. I tried to explain that they made an error and neither the customer service rep or her supervisor would listen to me, stating I'm not looking at the statement correctly and that if I needed help, I could get someone I trusted to look at it. I replied that I am not mentally incapacitated and that if they looked at this carefully they could see that I am getting charged {$7200.00} for a {$2400.00} charge. The supervisor hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2022-01-05 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: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: VA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: VA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2022-01-06 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
This account is being reported as past due monthly on my credit report. 
This account is not open however it is being reported every month as 30 days past due. 
In addition, the amount that I was charged was ridiculously excessive. 
The lenders has also engaged in predatory collection practices.

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 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
In early XXXX I was checking into rates for debt consolidation loans, I filed out some information but didn't accept any of the loans because I didn't have the paper work needed at the time and my bank wasn't on the list of banks pulled up for deposit. I didn't think any more about it until {$600.00} was deposited to my account on XX/XX/XXXX. I emailed the company on the XXXX with questions and they replied that they needed more information so I sent them the information they requested. I got no reply so I emailed again on the XXXX trying to find out if they could take the money back and after waiting several days I found a phone number and called on the XXXX, the person I talked to said they couldn't help me and connected me to someone at national small loan and the lady I talked to there said she would talk to her manager and to stay by the phone because they would call back I have yet to hear from them, and the money is still in my account. I am trying to build my credit up and I don't need this looming over me, I can't afford the payments they have set and I just want them to take the money back and cancel the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
unethical evaluation of credit card application by US bank : I applied for the credit card with US bank, however, i was approved only for {$600.00} credit limit. I have a very good credit history but they still denied the increase in the credit limit. if my history was not good they should have denied the card at the first place. 
now they are not increasing the limit and issued me the card which is of no use to me.

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 2022-01-05 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: DISCOVER BANK
State: NJ

Complaint narrative:
A Discover card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, Discover is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the 2 Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have sent a registered letter requesting proof of debt to this Collector credit control XXXX va It was mailed out XX/XX/2021 They have failed to send a proof of debt credit control group XXXX XXXX XXXX XXXX va XXXX Ph XXXX total amount is XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
- td bank charged me excessive overdraft fees and they wont give me my money back. 
They credit my account and they debit it in a same time. 
I paid excessive overdraft fees for the last 2 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reviewed my credit history on the EXPERIAN website. Soon after I began receiving numerous, daily emails from this address : Experian XXXX. The content addresses credit card offers, insurance, etc. 

In addition, offers from various other companies like XXXX XXXX send unsolicited emails. 

I click the " unsubscribe '' button on each of the emails to no avail. They just keep coming. 

I have contacted customer service, been transferred to several people, none of whom handle fraudulent emails. They blame the " dark web '' and offer to freeze my account. 

I suspect the chain of offers stems from Experian 's sale of personal information. I have not been spammed in the past and can not make any other connection.

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 2022-01-05 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: VA

Complaint narrative:
On XXXX, XXXX alerted Hard Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) ; XXXX ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called Transunion and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. Transunion will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my XXXX XXXX could be better if I paid money to them.

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 2022-01-05 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: VA

Complaint narrative:
On XXXX, XXXX alerted XXXX Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX XXXX ) ; Equifax ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.

Company response to consumer: Closed with explanation