vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
When I review my updated credit report in Identity IQ, I realized that the same information was incorrect. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: MS

Complaint narrative:
DO NOT MARK AS DUPLICATE. XXXX  XXXX XXXX pulled my credit without a credit application and has refused to investigate and provide a copy ( because there isn't one ) and have since frozen my business accounts in retaliation. I don't know anywhere else to go for help other than to file a police report or go to the Attorney generals office. please help

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 2023-04-11 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/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 2023-04-11 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: TX

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022

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 2023-04-11 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: DE

Complaint narrative:
I received a copy of my credit report and found the following item unauthorized.

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 2023-04-11 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I filed XXXX disputes with PNC Bank ... XXXX for {$30.00} on XX/XX/XXXX... XXXX XXXX XXXX XXXX XXXX XXXX for {$75.00} on XX/XX/XXXX .... 
XXXX  I was issued a provisional credit for both amounts until the dispute was concluded. On XX/XX/XXXX, a final dispute was credited back to my account. On XX/XX/XXXX, I went to PNC Bank located at XXXX XXXX XXXX, XXXX, IL and withdrew & XXXX... XXXX came back on XX/XX/XXXX & & took the funds again for {$75.00} then PNC Bank said they were trying to take more and therefore PNC Bank said a new dispute had to be created ... now I've gotten my money and asked that the account be closed because by now the Customer Service Agents were acting unprofessional ... this was a done deal and now they had blocked XXXX and began the process of using me a new ATM card. 
I went into the bank and got a new ATM card since it was taking so long. They said that my account couldn't be closed because of the new dispute... are they kidding me... So I had nothing to gain because I had already took the funds when they had finalized the first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Inquired XXXX XX/XX/2023.

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 2023-04-11 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: NC

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2023-04-11 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called TransUnion today at ( XXXX ) XXXX XXXX, on Monday, XX/XX/2023, around XXXX XXXX Pacific Standard Time . The agent did not say anything, however, I could hear background noise. The agent was intentionally not speaking. I kept saying Hello? hello?, but there was no response. Then the phone disconnected. This is called call avoidance and is inappropriate.

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 2023-04-11 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: CA

Complaint narrative:
CREDIT REPORTING ERRORS AS PER ATTACHED LETTERS UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from Equifax, XXXX, and XXXX regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

Equifax reports the account as " Unknown, '' while XXXX and XXXX both report it as a " Revolving '' account with a " Charge account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, Equifax reports the account as " Closed, '' while XXXX and XXXX both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, Equifax reports the " High Credit '' as {$0.00}, while XXXX and XXXX report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from XXXX, XXXX, and Experian regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

XXXX reports the account as " Unknown, '' while XXXX and Experian both report it as a " Revolving '' account with a " XXXX account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, XXXX reports the account as " Closed, '' while XXXX and Experian both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, XXXX reports the " High Credit '' as {$0.00}, while XXXX and Experian report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX XXXX XX/XX/2023 online, providing all my information including name, social security number, address, years living in the current address, phone numbers- it was a very detailed form. Given all the details, I received a letter from Barclays asking for even more material - drivers license, SOCIAL SECURITY CARD, current utility bill or bank statement with my current name and address - and I was asked to MAIL these to their address, otherwise my application would not be considered further. 

I called Barclays asking for an alternative to mailing these information. 1 ) i was not comfortable mailing such info out 2 ) it's not environmental friendly 3 ) i don't want to pay for the mail 4 ) why is social security card even needed as i've already provided my number. I was provided no options. 

I asked why these extra information was needed - I have 8 years of credit history, my fico score is XXXX, i've been living in current address for XXXX years, my credit report would have supported all information i provided, it doesn't seem like enough efforts were made ( pull my report and check against my info ) before Barclays started asking for more- i was provided with no reasoning.

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 2023-04-11 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: CA

Complaint narrative:
The following account has been disputed multiple times, and Trans Union has failed to verify the account. They have also filter provide me with any documentation with my signature on it, making me liable for the account. I have disputed the account listed below with XXXX and XXXX and both companies remove the account from my credit report. I would like Trans Union to do the same and remove this damaging information from my report. The account I am speaking of is listed below : 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 2023-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Back in 2020, I and my XXXX XXXX opened up a joint savings account with both our names on it, I had complete authorization and access to this account The amount deposited into the account was {$1300.00}. I was asked to move into my aunt 's house to take care, of her so I took out {$1000.00} to do some repairs on her house. My aunt 's friend found out about the account and took my name off of it and put hers on it. The bank then took {$1000.00} from my account without permission and gave it back to my aunt and her friend, saying it was a teller error. I know that they have cameras in the bank and computer access to find out what happened to my account. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

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 2023-04-11 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: WA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/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 2023-04-11 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
The company reported the account as opened in XXXX on XXXX when the account was opened in XXXX. The account is 8 years old and should be removed from my report, and I tried to resolve the matter with them. I offered to pay in full to remove the inaccurate information and negative reporting they refused. The company is called southwest credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Deutsche Bank
State: CA

Complaint narrative:
Good Evening.., my dears At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I contacted Deutsch Bank CEO to process , my judgement XXXX at the superior court of XXXX  County Court , Arizona , then I contacted XXXX  branch, Then I contacted again new York head quarter , 6 months Passed, no response from Deutsch Bank, what's so ever, please contact CEO Deutsch Bank for me , thank you for your help,

Company response to consumer: Closed with explanation