vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2022-02-15 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: NY

Complaint narrative:
Experian is reporting XXXX as potentially negative. This is a paid account. 
Experian is reporting XXXX written off. 
It's being reported fraudulently. It was paid.

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 2022-02-15 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: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
The lease company ( XXXX XXXX out of XXXX Indiana ) withheld my truck at the repair shop and sold it to a different person and never let me repair it. The truck ( XXXX XXXX XXXX  ) make and model was breaking down every single day eating into my savings and even had me on negative account balance. 
I tried talking to them but they declined and now they have me on collection without showing what their resell value was and how much I owe them genuinely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXXan, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
After trying to set up a loan through affirm they denied me by saying an affiliate has told them that they are unable to identify me. I may have called a reporting agency to let them know XXXX has lost paper work on me.and to flag my name for any new loans to be approved but affirm is already an opened account. Thats all I can think of as why this company after years of being with them are denying me rights for loans. How do I remove this flag so that affirm can properly help me with my account. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
Fraud Department : Remove fraudulent accounts from 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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I deposited a check less than 7 months old, not realizing that checks have a 6-month expiration date, since I very rarely use them. In addition to rejecting the check, Chase had the gall to charge me {$12.00}. It was all done online. No human hand ever touched this process, so it cost Chase exactly nothing to reject the check beyond the paper letter that I have no way of opting out of. This is profiteering, plain and simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 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:
A notice was sent several times to XXXX, XXXX, Equifax. I humbly requested XXXX, XXXX, Equifax to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, XXXX, Equifax to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, XXXX, Equifax are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, XXXX, Equifax are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, XXXX, Equifax must comply with my written instructions. I have given XXXX, XXXX, Equifax written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, XXXX, Equifax has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXXXXXX XXXX  XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX  / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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:
A notice was sent several times to XXXX, Experian, XXXX. I humbly requested XXXX, Experian, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, Experian, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, Experian, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, Experian, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers.

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, Experian, XXXX must comply with my written instructions. I have given XXXX, Experian, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, Experian, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXX / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX  / Account # 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 2022-02-15 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 a followup regarding inaccurate reporting on my consumer file. Laws where broken and they are outlined in the attached files. Still waiting to hear back regarding the results of this. 

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 2022-02-15 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: GA

Complaint narrative:
I am fully aware of the data breach that happened with Equifax back on 2019. This breach has caused my information to be compromised and therefore an account has appeared on my consumer report without my written consent. 

Per 15 usc 1681 no information should be on my consumer report without my written permission. Equifax nor XXXX provided me with an opportunity to opt out of my information being shared without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NY

Complaint narrative:
Experian is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid

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 2022-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: OH

Complaint narrative:
I have a XXXX XXXX  with Sofi. I have been trying for over a week to initiate a withdraw from this account. The tell me the withdraw is broken. They pass me from support agent to support agent and tell me I need to wait for the tech dept. to fix it. I've also been told that until this link is fixed there is nothing that can be done. Then they told me I could get a check issued and then told me to initiate I need to use the withdraw function, which does not work. 

This happened in early XXXX as well but last time they resolved it more quickly and I thought it really was just a temporary issue. They initiated the withdraw on their side. Now 2 months later the same link is " broken '' and now it is not possible to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NY

Complaint narrative:
XXXX is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid

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 2022-02-15 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: NY

Complaint narrative:
Experian is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid

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 2022-02-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX 'S Minimum Payment Has DOUBLED Although BALANCE HAS DECREASED. 
( I PAY MORE THAN THE MINIMUM REGARDLESS ). 
IT JUST DOESN'T MAKE " CENTS " AS TO WHY?? 
THE MINIMUM PAYMENT HAS BEEN INCREASED? 
( IS THIS THE " KICKBACK '' FOR CASHING IN A " REWARD? ''

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 2022-02-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX AT 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 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
These two debts charges on my credit report are not mine and where not made by me because I was incarcerated at the time making it not possible for me to have made these charges. Thank I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AL

Complaint narrative:
There are fraud inquires that are listed on my credit report. My purse was snatched with all of my identification information in it. I have completed a police report & an FTC report and sent to you, but nothing has been updated. I am asking that this information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: OR

Complaint narrative:
On XX/XX/21, I have returned 5 items to XXXX store in XXXX, OR IN PERSON. 
The merchant issued me a total refund of {$350.00} ( I have now both proofs : merchant copy and the my copy of this return/refund ) to be credited back to my XXXX Citi bank XXXX XXXX credit card. This refund has never been credited back to my account by Citi bank. Instead, Citi bank started a dispute which they later rejected. The money was never credited back. 
Now the dispute has been closed, the decisioncannot be appealed, the billing support phone line for citi bank is non-functional.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have updated information for the complaint with EXPERIAN. I have attached a screenshot of EXPERIAN stating that they are not able to provide me access to my consumer report electronically. Pursuant to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681h ( b ) ( 1 ) ( B ) ( i ) I have a right to receive my consumer report according to my specified written instructions. I have specified in writing to EXPERIAN to provide me access to my consumer report electronically. By denying me access to my consumer report electronically it violates my right to receive my consumer report the best way for me. I am requesting a direct electronic link from EXPERIAN to receive my consumer report electronically. Thank you.

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