vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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:
I have attached an FTC report with 4 fraudulent account and fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2023 Lexis Nexis was sent a letter notifying them of inaccurate personal information on my lexisnexis report. The Public Records information as stated on the report as well need to be removed as well. I have a letter from the courts that states they did not provide this information. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: MD

Complaint narrative:
I have previously contacted XXXX, XXXX, and TransUnion about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for sixteen years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX company have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX company of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the three credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have previously contacted equifax, XXXX, and XXXX about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for XXXX years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX company have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX company of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the XXXX credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: AZ

Complaint narrative:
Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. This allowance is a violation of my rights and privacy. 
Said inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover Bank reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

Discover Bank did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX & XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that Discover Bank wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: GA

Complaint narrative:
I have contacted these credit bureaus as it relates to my credit profile. XXXX, XXXX, and Transunion all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: MA

Complaint narrative:
XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: MA

Complaint narrative:
XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX  XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. XXXX has continued to report a balance owed on Experian. I have contacted XXXX many times and disputed with Experian twice. I have currently provided further documentation to Experian from their own website confirming the account balance should reflect XXXX due to the ownership of the 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 non-monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MD

Complaint narrative:
In XXXX, I opened a business checking account with US Bank in response to a promotion that it was running : open an account, deposit {$3000.00} into it within 30 days, maintain the balance for 60 days, make 5 transactions, and receive a {$400.00} bonus within 45 days of meeting the requirements. I met the requirements on XX/XX/XXXX, so I should have received my bonus payment no later thanXX/XX/XXXX I still hadn't received the money on XX/XX/, so I called the bank, and the rep that I spoke to confirmed that I qualified for the bonus but didn't tell me when I would receive the money or make any apologies for not paying me the {$400.00}. For a bank that claims to be " ethical, '' I find it interesting that it avoids paying bonuses on promotional offers that it runs. There is no doubt that if I hadn't called the bank, I never would have received a XXXX, and I still have no idea when I'll receive my {$400.00}. 
US Bank is still running the promotion, but the bonus has been bumped up from {$400.00} to {$500.00}, and there's no longer a transaction requirement. My account number is XXXX XXXX XXXX. My account balance still has never been less than {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX. Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all 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 2023-04-22 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XXXX  of XXXX   fraudulent charges began showing up on my Synchrony Bank PayPal Credit Card. These purchases for " XXXX XXXX  '' were neither approved by myself or my spouse nor received by myself or my spouse. I contacted Synchrony immidiately, they cooperated, removed the charges and sent us new credit cards. In our statement due XXXX XXXX XXXX these same charges showed up again but this time were labeled " Balance Transfer '' we assume because we now were using the new card Synchrony sent to us. 
I called them again and we repeated the process. I also wrote them a letter dated XXXX XXXX XXXX followed by more letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letters attached with details of charges. 

I have never had a response to my repeated written letters, only repeated invoices with added interest and late payment fees and now I was notified that Synchrony reported non-payment on my credit report. 

I of course canceled our credit cards with them, no longer place CD 's with them and canceled my PayPal account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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:
I have contacted these credit bureaus as it relates to my credit profile. Equifax, XXXX, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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:
I have contacted these credit bureaus as it relates to my credit profile. XXXX, Experian, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: CarMax, Inc.
State: MD

Complaint narrative:
Carmax admitted to loosing my contact there for I was not in the system and couldnt pay my car note for 6months after purchasing and they are trying to hole that against me. 

I started paying my car note on time once I was in the system. 

They are trying to get me to pay for my care note twice in one month when that wouldve never been the case if they didnt loose the contract and failed to respond to me for months at a time They want ( {$1200.00} ) for one months payment when my car note is half of that payment for one month They are holding their mistake on me, they are reporting 9 late payments on my car and tanking my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
Affirm sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. Affirm has continued to report a balance owed on XXXX. I have contacted Affirm many times and disputed with XXXX twice. I have currently provided further documentation to XXXX from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: NY

Complaint narrative:
I have informed the credit bureau of fraudulent activity on multiple accounts that I have no knowledge of I have made many attempts to inform them and have this issue resolved immediately along with having the items removed and sent a copy of updated changes

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