vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/ I pulled my consumer report and I am showing Transunion Credit Reporting agency is reporting XXXX inquiries from companies I did not authorize nor recognize. They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( consumers privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/ and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 

15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.

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 2023-01-28 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: TX

Complaint narrative:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : 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 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Good morning! 

I got a notification from my credit security monitoring company that there were some flagged late charges and fees on my Athleta store credit account and when I Called Barclays, I was told that although I paid my account in full, the bank that took over was not able to pick up my payment in a timely manner thus, it accumulated all these late fees and interests. 

I made the purchase in the amount of {$43.00} XXXX of last year and I paid in full in-received by them in XXXX/XXXX/22. Barclays took over from XXXX and my account and payment fell through the cracks! I tried to have Barclays erase all the late fees and interests that had amounted to {$250.00} and somehow, they couldnt do it due to technicalities. 

I called again XXXX, and I was told again that the least they could do is bring it down to {$130.00}. I am furious for these injustice and unfairness. I need 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 monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: SC

Complaint narrative:
I applied for a loan to purchase a condo in South Carolina with Atlantic Bay Mortgage with XXXX XXXX. In the beginning, I secured the transfer of my job to the new clinic XX/XX/XXXX which was prior to closing on the XXXX. Note : I would have been agreeable to postpone closing should it have been necessary. I had notified all parties of the confirmation letter of my acceptance of the secured job but XXXX XXXX proceeded to process the loan as an investment rather than a primary residence. This IS my primary residence. I DID provide proof of employment and confirmation of the transfer. It appears it would have been too much trouble for him to save me any money on the loan by processing it as a primary residence because it had already done the work for an investment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
Transunion student loans are still reporting negatively on my credit report. These student loans were opened in XXXX, and still affecting my credit score. I work for law enforcement, credit is important in my line of work. I have previously disputed these student loan accounts before, i'm currently dealing with the same issues again. These student loan accounts need to be deleted to prevent future complaint regarding the same issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are reporting XXXX days late. Please help me in resolving this matter. 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 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
As of XXXX of XXXX my lease end at a {$0.00} balance and was paid by government agency through XXXX XXXX  when I reach out to XXXX XXXX XXXX XXXX  they acknowledge I do not have a balance with them and they dont have no acknowledgment of the reported balance and this was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Some one has got several students t loans in my name. I was incarcerated during moat of them most are loans from the XXXX XXXX XXXX Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.

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 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a bank statement from XXXX XXXX  XXXX. I contacted the bank to find out what this was since I did not have a XXXX XXXX  XXXX account. They told me there was a total of 2 accounts open under my name.. I did a fraud claim with XXXX XXXX XXXX and ordered my credit report I found a loan that was from a pay day loan type company that was used to deposit the funds to XXXX XXXXXXXX XXXX. I filed a identity theft claim with XXXX and had my credit locked. XXXX XXXX XXXXXXXX sent me a letter saying that they determined that I did not open these accounts and I have the letter which I have submitted along with the police report to the credit bureaus .... Now on XX/XX/XXXX I see another loan that was taken out under my name fraudulently with the company XXXX XXXX for {$2600.00}. Who has now sold the delinquent account to another collection agency, XXXX XXXXXXXX XXXX/Drs Debt recovery solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and now there is a balance of {$4400.00}. it has gone to collections with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate XXXX is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went on Experian.com XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.

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 2023-01-28 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. XXXX and SunTrust XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

SUNTRUST XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact XXXX and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.

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 2023-01-28 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:
To Whom It May Concern, I am in total disagreement with the investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following account is not mine XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened an apple credit card to purchase a new XXXX computer. The day after purchase I returned the laptop unopened. The store gave a full refund to the credit card, and I purchased a new laptop in cash. XXXX months later i get a ding on my credit report for not paying off my apple credit card - even though the balance was {$0.00}. I called goldman/apple and they informed me i received apple cash back, which was charged to the credit card when i returned the computer. No notice from apple this would occur. When i called to dispute the transaction, they said it would be denied, as this is how the card works. 

Companies should not be able to ding your credit because they charged a payment for a reward you did not intend to use. Especially without disclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX was closed in XXXX by company for non-pay. In XXXX I received a XXXX for debt cancellation. I never received any communication regarding this debt with the option to pay or settle. The company is now refusing to provide me with written communication that the debt has been written off. My credit report still shows the debt being valid. The company said all they can provide me with is verbal confirmation.

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capitol One about reversing a membership fee the woman said the only way to do it would be to change to a no fee card I said fine she transferred me I chose my no fee card and told her about reversing the fee she said she couldn't I asked for a manager he said he couldn't I explained to him that I was lied to he said he couldn't do anything I told him I wanted to close the account since this is unprofessional for any company to lie to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate Name is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi. I just want to ask help to restore my paypal account. It was permanently limited and can no longer use. I didn't violate any of their terms and conditions. Different people are sending me money because I am a freelancer. I am doing typing jobs, selling digital works and others. Help me to report this issue in paypal so that I can use it again and it is easy for me to receive my fee as a freelancer. 
Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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 received notice that you verified certain items on my credit report from the following companies : Account Name : XXXX XXXXXXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX  XXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : XXXX BANKRUPTCY COURTXXXX  REFERENCE NUMBER : XXXX, Account Name : XXXX XXXXXXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 


Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? 
Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. Transunion and XXXX XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact Transunion and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.

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