vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
I wish to have the following inquires removed from all three credit bureas as I am a victim of identity theft. 

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 explanation
Consumer complaint received 2023-05-31 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:
I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and Transunion app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called Transunion and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in Colorado and I never even been to Colorado. 

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.

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 2023-05-31 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: DISCOVER BANK
State: VA

Complaint narrative:
In accordance with the fair Credit Reporting Act, Discover  has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
My closing attorney provided me a check addressed to Upgrade to pay off debt - overpaying the debt by approximately {$2500.00}. The check was sent on XX/XX/2023. I contacted Upgrade on XX/XX/2023 to check the status of the account and was informed that they use a third-party payment processor and had no information on the status of account. I contacted them every day to check on the status and on XX/XX/2023, Upgrade indicated that the payment was received and a refund would be provided in 7-10 days going to my bank account. I contacted them on XX/XX/2023 and told that a refund was sent in XX/XX/2023 and I should wait until Monday  before calling back. I asked to confirm the bank account and was told it was sent to a bank I havent used in nearly two years. I spoke with XXXX team- who stated there was nothing he could do until it was bounced back but couldnt tell me when that might happen. I was not provided a timeframe for when they would resolve their mistake or when I could expect the funds they owe to me. I tried to escalate the issue but was informed by XXXX that there was nobody else that could address this issue. 
I do not know what else to do. I am retired and on a fixed income. These funds are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with Bank of America telling them that there was money stolen from me from my ex. I told them that I had known out of the car being activated and I didn't. I didn't receive the card. They deny my claim saying that the card was sent to my address and activated with my information. I don't deny this but I deny that it was me who did it. I think the police reports in the statement explaining to them that I was going through a XXXX XXXXXXXX relationship from the person I was with for 5 years and found out that he had been stealing from me the whole time and that he is the one who intercepted the card and activated it with my information and spend it. They denied it. I had a reconsidered this time I send policy supports and it's everyone mistake man telling them that here 's my proof of what I'm saying. They denied it again with the same reason because of his activated and came to my address that it had to be me or I had to have gave someone permission to do it and both of those are not true. So I'm trying to get help with it because that I had to reconsider for the third time but it let me to believe that when I sent the information in for the reconsideration that it was overlooked or not looked at because you denied it for the same exact reason. I sent you proof and telling you why it seems that what I did it but I don't think that might statement was red or my police reports were considered because how could you get that if I'm telling you that the guy iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here cost to proof I had to messed up all this issues and may police reports about loss of property fraud things that he were stealing from me when I found out about that the stuff. So how could you not take that into consideration when I'm showing you a black and white? Here 's the proof of it. I also have two different protective orders from two different cities from two different judges for the same person I sent copies. One is from XXXX XXXX. The other is from XXXX XXXX XXXX. They were giving on the XX/XX/XXXX and XX/XX/XXXX of this year. Stating that they feel I need protection from him. Same person. Two different cities. Two different judges. Same outcome.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a purchase to a store called XXXX XXXX online. The amount was for {$21.00} and another {$30.00} in points that I have accumulated on my credit card. When I receive the merchandise it was not as described so I returned it immediately. XXXX XXXX told me they do not give refunds just store credit. I found that to be unacceptable. I contacted the disputes department and told them I wanted my money back. After months of them, wasting my time, they finally sent me a message telling me they could not help me. When I called to discuss why the customer service representative told me that the company agreed to give me my money back if they just supplied them with the proper information. Which is the exact opposite of what their letter told me. I can not believe that they are going to ruin our relationship with me considering that I spend about {$3000.00} a month on this card. I just want my {$53.00} back. I have never dealt with such incompetent people. This is the second time Ive had an issue with them on a dispute.

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 2023-05-31 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: MI

Complaint narrative:
Dear, Transunion RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to the information published and provided by you to the US DEPT OF EDXXXX, and XXXX XXXX  XXXX as reported, and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Charge-Off Credit Card and Student Loans that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than a Charge-Off Credit Card that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Student Loans, and Charge-Off Credit Card. 
Immediately, DELETE ALL records of the following alleged Charge-Off, Student loans, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

1. US DEPT OF EDXXXX : Installment Loan, XXXX : Please DELETE from Credit Report 2. XXXX XXXX  Secured Credit Card Charge- Off : XXXX Please DELETE from 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 non-monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
To XXXX TRANSUNION XXXX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

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 2023-05-31 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: Early Warning Services, LLC
State: KS

Complaint narrative:
XXXX bank specifically replied that zelle was to initiate fraud on the account # XXXX, for XXXX XXXX XXXX had you close my request for refund and issues with this matter stating to take it up with zelle. We did this and for the record zelle states that XXXX bank since it was an app through there bank needs to resolve my credit for XXXX. 
XXXX bank is impossible to deal with and reach. Constantly referred to department and department. 
No resolve to this issue and XXXX keeps passing the buck on resolution of this matter for over a year. 
There bank even referred this to check systems after I reported it. UNACCEPTABLE> Please help with resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: CA

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
National Credit Systems has a debt collection with an open balance of {$2300.00} by original creditor XXXX XXXX on my XXXX credit report opened XX/XX/2022 I have never rented from XXXX XXXX  nor have I been a cosigner for anyone ever. I have been renting my current home through a private landlord for the last 4 years and after further investigation it appears that XXXX XXXX  is an entirely fraudulent company that operates out of the Philippines according to their facebook page, I believe that if they have any information substantiating this debt it is fraudulent and the fact that they rejected my credit dispute with XXXX makes them complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: CO

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 130 days so they should be deleted promptly.

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 130 days so they should be deleted promptly.

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our 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
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
To XXXX XXXX TRANSUNION : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to no avail to get the credit agencies to acknowledge the incorrect information 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
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to no avail to get the credit agencies to acknowledge the incorrect information 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
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ACCT # 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

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