vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: PR

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} ), DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4700.00} ), DEPTEDXXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: LA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 2022-04-14 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-04-14 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-14 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-14 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX. I have an issue with XXXX credit for {$110.00}. Now they added some fees and interest = {$140.00}. The XXXX system appears with two pages because I have seen the XXXX system has been asking me to add the amount for their credit. It is an amount I did not use. 
Whenever I apply for XXXX money, I pay off tried on time. 

I have concerned about what and why they charged. So, I have contacted XXXX customer service several times about this issue, but the online system did not go through with my issue item. They kept sending me several departments to contact. Also, I spoke with the customer services department about this amount ; they did not see that amount, they did not see that section in my account in their system, and they did not know XXXX was asking for the money to add the credit, though, I took the screenshots. I sent it in the report section, but they ignored it. 
In contrast, XXXX reported this issue to American Ciradius International LLC. Now, XXXX Locks me to my account sections. I couldn't get any information, but Please see the message below that I sent to XXXX. 

Hi, My name is XXXX XXXX. Account # : XXXX. I have an issue with the " {$110.00}. XXXX '' of the transaction on XX/XX/2021, and now adding some fees + interest " {$140.00}. '' The worst thing is that XXXX reported that amount to the Third Party collector office. 
The below information is my detailed transaction on XX/XX/2021. 

XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Loading transaction details for XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Transfer from XXXX XXXX XXXX {$110.00} Transaction ID XXXX Transfer to XXXX balance Can you explain why I have to add my money to XXXX credit? 
If you don't, I will sue XXXX and report XXXX. 
Although I paid {$110.00}, why did XXXX report that amounts to the Third Party collector office accordingly???. Why does XXXX need my money to add in the XXXX credit as shown in my account online as " Add money to resolve your negative balance of {$140.00}. '' I need to get a fair solution. 

Thank you. 

XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, XXXX, and Equifax permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MD

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ), XXXX ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date OpenedXXXX XXXX High Credit : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The merchant ( XXXX ) billed me {$170.00} on XX/XX/2021 and another {$170.00} on XX/XX/2021, but agreed to refund me a total of $ XXXX {$350.00}. However, Paypal credit card ( XXXX ) from Synchrony bank only credited back {$170.00} instead of {$350.00} as of today. I have started dispute more than 3 times over the last 6 months without any success. Their dispute process is not only inefficient but also extremely slow. Please demand Paypal to refund me the remaining {$170.00}. Thank you very much! 

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 monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please remove the names listed on my credit file, the only name that should be listed on my credit file is : XXXX XXXX Please remove the address listed on my credit file, the only address that should be listed on my credit file is : XXXX XXXX XXXX XXXX, Alabama XXXX The following accounts should be removed from my credit file XXXX XXXX {$3000.00} XXXX XXXX XXXX {$610.00} Please see the attached documentaton

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 2022-04-14 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXXXXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX 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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover never researched the fraud charges. I know they did not because the Police is still investigating and waiting for documents. I have asked to see every one of the charges. Also the name of the clients the lawyer charged me for, I've never been to XXXX let alone see a lawyer. I NEVER AUTHORIZED ANY CHARGES. THAT PERSON TOOK ALL MY CREDIT CARDS AND DRIVERS LICENSE. I WAS UNDER EXTREME DERESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TO MEET HIS DEMANDS, " OR ELSE '' I'M XXXX XXXX AND DISCOVER IS MAKING ME MAKE ALMOST {$800.00} PAYMENTS A MONTH LEAVING ME WITH NOTHING TO HAVE FOOD, MEDICINE ETC. I DID NOT DO THIS!!!!!!! 

ALSO WHY DID DISCOVER GO OVER MY CREDIT LIMIT BY {$19000.00} THIS IS WRONG. I SHOULD NOT HAVE TO PAY ANYTHING BUT DISCOVER WILL NOT HELP AT ALL. THEY HAVE BEEN TERRIBLE TO DEAL WITH. BUT GOING OVER THE LIMIT NEVER HAPPENS ON OTHER CARDS WITHOUT NOTIFYING ME AND CERTAINLY NOT {$19000.00}. 

I'M PROTESTING THIS TERRIBLE INJUSTICE. THEY NEED TO HELP ME AND REVERSE THE CHARGES LIKE IT SAYS IN THEIR TERMS. 

I WAS IN FEAR FOR MY LIFE, XXXX AS I SAID, THE FAKE DETECTIVE TOOK ALL MY LIFE 'S SAVING " OR ELSE '' CHARGE ON OTHER CARDS, HOWEVER THE BANKS ON THOSE CHARGES GOT REVERSED. 

I WILL FIGHT THESE CHARGES TO GET THEM REVERSED PLEASE HELP ME CFPB, THEY ARE WRONG DOING THIS TO ME. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, Transunion, and XXXX permanently remove the following from my credit file immediately. These accounts are not mine XXXX  XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2022-04-14 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:
After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that Experian, XXXX, and XXXX permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-04-14 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: MD

Complaint narrative:
On XX/XX/2022 I contacted Experian about the following negative accounts ; XXXX  ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date Opened:XXXX, High Credit : {$180.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-14 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: PA

Complaint narrative:
I have accounts still on my credit from over 10 years ago after I complained and filed that that was no my account I also have inquiries that werent authorized and there are collections still on my account multiple agencies calling me to collect a debt

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 2022-04-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXXr account number XXXX has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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 US DEPT ED Account # XXXX, XXXX/DOFED account # XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # 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 2022-04-14 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-14 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2022-04-14 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX  XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-14 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: MD

Complaint narrative:
On XX/XX/XXXX XXXX contacted Equifax about the following negative accounts ; XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/2019, Balance : {$15000.00} )XXXX XXXX  ( Account # XXXX, Date XXXX, High Credit : {$2100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation