vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: MA

Complaint narrative:
I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation 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 2022-07-19 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: AZ

Complaint narrative:
I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

Account # XXXX Account name. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c

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 2022-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian in regards to the following account that has been reported incorrectly. They refused to conduct a real investigation, and only responded saying that the account was " verified ''. 

XXXX XXXX XXXX XXXX The date the account was opened is incorrect, the loan amount is incorrect, and the payment history is incorrect. Experian has repeatedly violated and ignored my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided. 
Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted Experian multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.

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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Venmo froze my Venmo account without notification. When an inquiry was made ( several times ) asking Venmo for the reason for the account being frozen, Venmo said we don't know why, it's automated. 

The account was promised to be reactivated within 7 days and it is still deactivated/frozen with funds held in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: NH

Complaint narrative:
I have been reported dead to the credit agency and no matter what I do I cant get it fixed. Please help 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 2022-07-19 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: IL

Complaint narrative:
Someone got a hold of my XXXX XXXX  checking account in XXXX, charging varies items from XXXX. XXXX XXXX  kicked back the charges because of proven fraudulent activities. I received multiple inquire alerts requesting products in my name in XXXX and XXXX. I spoken to XXXX on multiple occasions and they keep referring me to the credit bureaus to fix the issue. I contacted Equifax on many occasions, however until recently, I was told to make a CFPB report and send it to Equifax along with identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Got a loan for {$13000.00} under a 0 % interest promotion from Synchrony. The promotion was represented to us as a 24 month promotion. In XXXX, after 18 months, they said we failed to pay it off within the 18 months and charged us {$5000.00}!!! Not only were the terms misrepresented to us but they also NEVER sent us account statements and NEVER even tried to notify us about thew imminent material changes to our account. We never noticed because they " encouraged '' us to set everything up for their " e-bill '' which charges your checking account directly thus negating the consumer from thinking of the account / bill and never noticing when their misrepresentations come due early. XXXX is 40 % of the original loan. THAT is loan sharking. How is that even legal?

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 monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud. This account is also a duplicate acc Account Number : XXXX As a consumer by law, this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would 7-10 business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would XXXX business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX mortgage 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 602 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 non-monetary relief
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, Equifax and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: AP

Complaint narrative:
On approximately XX/XX/XXXX I responded to a claim for received medical care XX/XX/XXXX. I informed Online Information Services in writing that the claim was fraudulently made because I was attending Technical Training for the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I have continuously provided certified documentation only to have them say that it wasn't good enough. I've completed the companies fraud application, provided proof of military service, bank records to show that I was not residing in AZ during the period of service, copy of passport and state ID. I hold a XXXX XXXX XXXX and I am concerned that this companies failure to communicate will put my career in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I looked at my XXXX credit report online for the first time in a while. I had a credit card from XXXX that was paid in full & closed. I saw that the main bank of this old card is STILL MONITORING me & my credit monthly for the past year ( that i can see from XX/XX/XXXX to current ) I called Synchrony Bank with the number shown- I got bounced around from agent to agent & eventually put on hold for over 40 minutes. With absolutely NO answers as to WHY a company i no longer do business with or have an active account with is " watching & monitoring '' me & my credit. This is NOT OK- I want this bank REMOVED from having access to my personal info & SS #. There is absolutely no excuse for suddenly since XXXX starting to have " inquiries '' about me - I have no applied for ANY credit cards in years.

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 2022-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have a debt collection on my credit report from National Credit Adjusters for the amount of {$640.00}. I have not taken out a loan nor so I know who this company is. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have not been associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bliksum, LLC
State: GA

Complaint narrative:
I call the number, and all numbers associated with this account and try to talk to someone, but my number is blocked. I never tried to contact them for any reason, till now. Loan Me company has been debting my account for seven years, its till leasted on my account as a charge off, but they have still been debting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: VA

Complaint narrative:
XXXX, XXXX and Transunion is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs 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 2022-07-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian, XXXX and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs 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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: UT

Complaint narrative:
In XXXX XXXX  XXXX I called Alliant Credit union because I was not getting 2.5 % cash back. I had done and was doing everything the representative told me to get the 2.5 % cash back. In XXXXXXXX XXXX XXXXXXXX noticed I was getting 1.5 and not 2.5. I Called Alliant and they fixed the issue and apologized for not giving me the 2.5 % and credited me the correct amount. I was told at this time I was on 2.5 % cash back and would remain at that cash back rate as long as I followed all the rules. ( have a balance of {$1000.00} make a monthly deposit and have E statements ) I have followed all of these rules ever since the phone call in XXXX but I was placed back on the 1.5 % cash back. I called XX/XX/XXXX to make sure I was still on 2.5 and found out I was on 1.5. The representative told me he could not see a reason I was not on 2.5 and would contact me and let me know the results of their research. Nobody called me and today XX/XX/XXXX I called and was on the phone for around 1 hour trying to have someone explain to me why I am not at 2.5. After several explanations that changed several times I was told it was because I didn't have a balance of {$1000.00} in my account for a few of the months this year. However when I had the representative check my balance he confirmed that I have always had over {$1000.00} balance. He told me he is going to have to do more research and get back to me... .This is what I was told before so I am skeptical anything will come of it and I am afraid this company is cheating me and other customers out of 1 % almost 1/2 the cash back they are promised. In addition to this I have had to spend 15 plus hours on the phone just to try and correct the mistakes Alliant credit union has been making.

Company response to consumer: Closed with monetary relief