vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed XXXX  XXXX of XXXX. After it XXXX, there was a reporting of a loan that was included in the XXXX. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in XXXX, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed XXXX for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX XXXX AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.

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 2023-08-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your company is in violation and reporting fraud on my consumer report. The company XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of the account listed as XX/XX/XXXX. XXXX has no right to solicit, report, collect and use my information to create a debt obligation to them I never agreed to. Consumer is filing lawsuit against them and Experian. Experian will be held liable for any more damages including previous damages for failure to honor my demand. This is not the first attempt to cure this issue concerning this account. Consumer has keep detail records for proof of claim of not only identity theft by Experian but also FCRA violations, FDCPA violations and Privacy Act violations. The named account within this notice is demanded to cease and desist all collection activities and consumer credit reporting activities. Experian is again on notice.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
I signed up for text alerts with Prosper for f them to send me a text when my payment was five days before it was due. I also signed up for email that would tell me when my account would be due in five days. I did not receive an email and I did not receive a text. I was then alerted on XX/XX/XXXX at XXXX XXXX through an email that my bill was due. However, my bill was actually due on XX/XX/XXXX. This means I shouldve received an email on XX/XX/XXXX and a text on XX/XX/XXXX. I did not receive either. On the afternoon of XX/XX/XXXX at about XXXX XXXX I received a text and an email telling me that they lowered my credit limit from {$2500.00} to {$850.00}. I called immediately and asked what happened my credit score did not decrease and I did not owe a payment. They told me I did owe a payment, and I explained that I received no notification of this when I had signed up for all email and text communications. The lady I spoke with instructed to me that she was sorry there was nothing she could do. She indicated they would re-review the account within a year. I told her I could pay the minimum due, and would have had I known that it was due. I asked if there was any kind of grace period or if there was any thing they could do to help me out since I have been a loyal customer. She apologized and said no. 
I am very frustrated with prosper, and disappointed that they would treat a customer with such little regard. Such a decrease in credit limit affects my credit significantly.

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 2023-08-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: MA

Complaint narrative:
I am writing to formally submit a complaint to the Consumer Financial Protection Bureau concerning erroneous information present on my Equifax credit report. Despite my initial communication with Equifax on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that necessitate immediate attention and resolution : XXXX. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I hereby request Equifax to verify the accuracy of the XXXX account ( Date Opened : XX/XX/XXXX ) due to the questionable reported balance of {$440.00}. This balance appears excessively high and does not align with my recollection of the amount owed. Furthermore, as Equifax has classified this account as closed and charged-off, the presentation of a Past Due amount is inappropriate. In light of these discrepancies, I intend to engage in direct communication with the creditor to rectify this matter. While these efforts are underway, I kindly request that Equifax mark this account as disputed, thereby preventing any further detrimental impact on my credit score. Additionally, I urge Equifax to verify the Date Opened, Date of Status, and First Reported details associated with this account. 


XXXX. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not associated with me. 


XXXX. Account Removal Request : Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$310.00} Additionally, I request the immediate elimination of the COLLECTION account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not linked to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
Netcredit withdrew two amounts from my checking account when there was supposed to be one amount and did not have my permission to do so. On XX/XX/XXXX they took out {$62.00} and {$59.00}. They deceived me in saying they would take out one payment per month. They never took out more than that before. They have changed my payment amount to {$120.00} per month without notifying me. They took out money that was for my mortgage payment and not for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : INNOVATIVE RECOVERY AGENCY 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.

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 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened my account XX/XX/XXXX. 
Made one transaction, can't see the date because they suspended my account. 
Then suspended my account of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-08-09 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: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-08-09 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:
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 XXXX and I am filing this complaint for 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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone theft my identity and opened an account with Capital One Bank in my name. Also, the check amount of {$140000.00} under my name was stolen from my Adjuster ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sent from my house 's current mortgage insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my fire damage house repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
OnXX/XX/2023 I deposited XXXX in my acount all XXXX ' bills. The ATM did not say out of order before I did it but afterwards a error popped up saying there was something wrong with the machine and they can't deposit my money or return it, my bank has not responded or went out to check the atm they have not even turned off the atm until it gets resolved this was my mortgage money!!

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 2023-08-09 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
There was a total of XXXX fraudulent checks used to withdraw money from my XXXX XXXX Checking Account, in addition to XXXX fraudulent debit. All of the checks/debits were in the amount of {$200.00} with the company name on the check being : XXXX XXXX XXXXXXXX and the signature not matching my signature. The total amount stolen from my account was {$1800.00}. The dates of the fraudulent activity were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not notice this fraudulent activity on my account, because the amount per transaction was relatively low, I was not receiving paper statements in the mail, and I did not check my online account due to this being a side business of mine. When I noticed the fraudulent activity, I immediately notified Huntington, froze the account, and later closed the account. I went into my local branch in XXXX XXXX, Illinois and spoke with the branch manager. I filled out and signed an affidavit in XXXX of XXXX. I also filed a police report on XX/XX/XXXX at the XXXX Police Department. After filling out the affidavit at Huntington bank back in XX/XX/XXXX, I received an email on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX XXXX ) stating : " Huntington has determined that we were not provided notice of unauthorized forged item ( XXXX ) within 30 days after your statement ( XXXX ) was made available to you as required by the Rules and Regulations that govern your accounts with us ; therefore, Huntington now considers this matter closed and any further dispute related to this transaction should be directed to the third party. '' My Huntington case number is : XXXX. I responded to the email from XXXX XXXX on XX/XX/XXXX asking to be reimbursed for the money fraudulently taken from my account and was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX ) via phone on XX/XX/XXXX saying Huntington stands by their decision and there is nothing more they can do to help me. Huntington and the other banking institution ( s ) who processed these fraudulent checks should have a ) noticed that the business name on the check was not the business name registered to my Business Checking Account at Huntington, b ) noticed the signature did not match my signature on file for my Business Checking Account at Huntington, and c ) noticed the check numbers skipped from the legitimate checks I was using for my business.

Company response to consumer: Closed with explanation