vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: TX

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : FIGURE XXXX XXXXXXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX  XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX  XXXX -- -- XXXX : {$5500.00XXXX XXXX XXXX XXXX -- -- XXXX : {$3000.00} XXXX XXXX  XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXX -- -- XXXX XXXX {$6400.00}

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 non-monetary relief
Consumer complaint received 2022-01-10 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: TX

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX  XXXX -- -- XXXX XXXX {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MN

Complaint narrative:
The fraudulent XXXX XXXX loan accounts is still listed and showing on my Equifax credit report. The accounts is not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Got a room from XXXX. Canceled the same day of reservation, did not receive a proper reimbursement. The money was in my account then the day after it was missing agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
To whom it may concern, I am XXXX XXXX and Im submitting this complaint myself and third party was/were involved.I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute.This information is unauthorzied and I did not approve it to reflect on my credit reports. I belevie I may be a victim of identity theft. I have a security lock on my credit reports and I was not alarted to this information being authorized on my credit reports and I am insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and delete the disputed items, As soon as possible. 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
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
To whom it may concern, I am XXXX XXXX and Im submitting this complaint myself and third party was/were involved.I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute.This information is unauthorzied and I did not approve it to reflect on my credit reports. I belevie I may be a victim of identity theft. I have a security lock on my credit reports and I was not alarted to this information being authorized on my credit reports and I am insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and delete the disputed items, As soon as possible. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-10 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: IL

Complaint narrative:
This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
A couple of days ago I applied for a auto loan with navy federal Which I found very surprising since I have paid off several things for my credit report even a {$48000.00} vehicle that was currently on my credit report Navy Federal has been really treating me unfair when it comes to any time when I apply for any form of a credit line increase or a loan feel like something is personal Because the explanation I was given on the reason why I was in that didnt make any sense I asked Navy Federal to do a manual credit pull because like I said my credit score has changed dramatically and I still was denied for a credit line increase to which I have had my accounts with Navy Federal and excellent standings for over a year and a half And I want to continue doing business with Navy Federal but they are making me feel totally uncomfortable with expanding my business with them and also doing any form of transaction as far as loans credit cards etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in GAAP and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days. 

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-01-10 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: WA

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-01-10 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: WA

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in XXXX and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days.

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in GAAP and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days. 

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had an Old Navy card that was closed by synchrony Bank for no reason they claimed that they had unauthorized charges and fraudulent activity in the XXXX XXXX sent them the information but I find it so weird that I pay my bill every month on time I was never contacted about any fraudulent activity they said has been going on for months Ive been paying my bill every month this happened on XX/XX/2021 The company stated that this event was taken place ever since I open the account back in XXXX I have not since heard anything from Synchrony Bank Im in the process of seeking a litigation against them because this is totally fraudulent for a company to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE 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 2022-01-10 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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE 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 explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover bank decreasing my credit limit from XXXX to XXXX which I think is totally wrong they use old information that they claim they got from XXXX XXXX Im off of a automatic system that generates the same old incorrect in accurate information uploaded all current information and Discover still refused to place my credit limit back to where it was that they never sent me any notice about it no formal documentation I was told by They were the rep that told me that Discover doesnt have to let you know if they want to decrease your credit limit I pay my credit bills on time every month I have use my Discover card in many ways I was about to use it to expand my business thats when I found out that my balance was decrease I really wan na close my account out with Discover because I just really feel like Im being treated unfairly as a consumer they didnt even come back with her offer a counter offer which I shouldnt even need one because it was nothing wrong with the amount that I had

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been with capital One for over XXXX years and they refused to give me any form of credit line increase they go off of and effort information from my credit report I have provided done with all accurate information and they still refused to review or do a manual credit pull for my application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation