vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: CA

Complaint narrative:
I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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 am already tired of submitting dispute letters to the XXXX XXXX sibnce they have been doing nothing! NO CORRECTIONS, NO UPDATE AND NO REMOVAL OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT FILE! I am stupefied by the Credit Bureaus consistency in ignoring my letters as well as non-compliance with the FCRA. the only option left for me is to file a lawsuit against the Credit Bureaus and sue them for the damages done on my Credit File. Is it that hard to remove these inquiries? I have been informing the Credit Bureaus that I was a victim of Identity theft and that these inquiries are never mine neither authorized by me! I need the following items removed completely from my Credit Report as soon as possible : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I'M XXXX XXXX XXXX ORIGINALLY NAMED XXXX XXXX XXXX AS WELL AS XXXX XXXX XXXX XXXX XXXX THROUGH TWO JUDGES JUDGE XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX  WITH XXXX  CASEWORKER XXXX XXXX AND XXXX XXXX XXXX SUPERVISOR ALONG WITH SUPERIORS XXXX XXXX AND OTHERS NOT CHANGING MY NAMES IN ORDER TO HELP ME AGAINST XXXX XXXX  INSTEAD INVESTORS WERE PLACED ON MY SECTION 8 DOCUMENTS ALLOWING HARM TO ME AND MY SON OVER 20YRS.  DUE TO MULTIPLE IDENTITY THIEVES FOR MULTIPLE YEARS YOU'VE HELPED ME WITH, I DO THANK YOU ALL SO MUCH DOING ALL YOU COULD ALONG WITH MY HAVING TO LEAVE MY SECTION 8 XXXX XXXX XXXX A DAY AFTER MY GRANDMOTHER'S BIRTHDAY THESE THINGS STILL REFUSE TO LEAVE ALONE.  NOW I'M TAKING THEM ALL TO COURT ALONG WITH FIDELITY INVESTMENTS.  WISH WE LUCK.  

ANYHOW.  I'M HERE TO CORRECT AND UPDATE MY MAILING ADDRESS TO ALL THREE CREDIT BUREAUS AS WELL AS REMOVE HARD INQUIRIES AS YOU ALL KNOW STILL ON MY CREDIT REPORT AFTER TWO YEARS AS A CAREER STEALING MY GRANDMOTHER'S NAME XXXX XXXX  AND USING THE QUEEN XXXX  THROUGH XXXX XXXX   SAD BUT TRUE.

I HAVE MY LETTERS WRITTEN TO EQUIFAX, XXXX  AND XXXX  FOR SOME REASON KEEPS TRYING TO MAKE ME OUT TO BE WHAT THEY WANT FOR THEIR BENEFIT AND NOT MINES TRYING TO PIN POINT ME IN THE XXXX COMMUNITY I AM NOT OF NO WAY NO HOW BUT THEY KEEP TRYING AND YOU ARE MY WITNESS.  THEY EVEN TOOK MY GOOD CREDIT SCORE TO AN ALL TIME LOW I'VE NEVER HAD IN THE 500'S.

MY ADDRESS IS CURRENTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVADA XXXX.

I NO LONGER USE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX AND XXXX XXXX XXXX XXXX XXXX NEVADA XXXX.

I'VE BEEN AWAY FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX SINCE XXXX XXXX XXXX AND HAS NOT ACCEPTED SECTION 8 SINCE XXXX XXXX XXXX DOCUMENTED GIVEN BUT NOT ADHERED TO.

PLEASE HELP.  THANK YOU SO MUCH. GOD BLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has illegally closed my business account and personal account. I requested documents from Bank of America showing the reasons or findings for the account closure. It has been nearly 2 months and business fails to respond to such request. This lead me to the assumption that the accounts were indeed closed without cause. 

After account closure, securing a bank account elsewhere has been extremely difficult because Bank of America has reported this error to XXXX. 

I reach out to gain such a solution going forward.

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 2022-07-25 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
Isn't it tiring for the Credit Bureaus to receive letters having the same requests? Because for me, I have alraedy reached the peak of my patience and I am on my way to pursue legal action against the Credit Bureaus. I am submiting this countless complaint addressed to the Credit Bureaus to tell them that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$760.00} XXXX  XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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 am already tired of submitting dispute letters to the Credit Bureuas sibnce they have been doing nothing! NO CORRECTIONS, NO UPDATE AND NO REMOVAL OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT FILE! I am stupefied by the Credit Bureaus consistency in ignoring my letters as well as non-compliance with the FCRA. the only option left for me is to file a lawsuit against the Credit Bureaus and sue them for the damages done on my Credit File. Is it that hard to remove these inquiries? I have been informing the Credit Bureaus that I was a victim of Identity theft and that these inquiries are never mine neither authorized by me! I need the following items removed completely from my Credit Report as soon as possible : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XX/XX/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 2022-07-25 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: CA

Complaint narrative:
I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/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 2022-07-25 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: CA

Complaint narrative:
I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: IL

Complaint narrative:
On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I got a limitation on my business PayPal account XXXX. 
The reason : " we decided to permanently limit your account as there was a change in your business model or your business model was considered risky. This could be due to how and when items or services were sold and delivered and your inventory management. '' I have an online game with several hundreds of active players. My game is free for download and play. To play my game it is necessary to register an account, download game client files, install it and run on XXXX. 
On a game website there is a page which allows you to buy virtual currency using PayPal. There are several options available to purchase ( payment_page.jpg ). When you click the desired option, the website redirects to the PayPal payment page. 
After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. 
Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values. 

I have had this business model since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is one of the most popular among current games ( especially in games on mobile phones ). 
I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. 

I have an account in another country XXXX which have XXXX completed orders and good seller reputation. I can not use this account ( country restricted ) but this account proves that I am good seller and can do business with PayPal. 

I want PayPal to lift all limitations on my account. 

My case ID is XXXX I have attached a file to show how payments are processed on my website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation.

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

I request the name and address of the original creditor.

I understand that written notice of the results of reinvestigation must be issued to me no later than 5 business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

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 2022-07-25 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-07-25 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 XXXX 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.

Company response to consumer: Closed with explanation