vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX Inquiry date XX/XX/XXXX 4.XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
I received a fraudulent bill on my credit report from a company called Way Point Resource Group llc. Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. On my credit it reported I owe XXXX dollars from another debtor named 11 XXXX collections. On my credit report it shows that it was created XX/XX/XXXX. I contacted Way Point Resource on XX/XX/2023 and they demanded money from me immediately to fight to have taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The credit Bureaus are unlawfully reporting unauthorized inquiries on my consumer report! I have sent numerous letters asking them to remove the hard inquiries listed below along with the dates when they were reported : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclays Credit Card - continuation of CFPB Complaint # XXXX After reviewing their resolution multiply errors were founded in their response regarding bank debits and credits and the numbers of transactions without providing additional tracking information beyond general statements. The initial payment was accepted by Barclays on XX/XX/XXXX ( the automatic payment date ) and taken out of my bank account of {$2100.00}. Yes a stop payment was placed on the duplicate bill of {$2100.00}. Their statement of Period of XX/XX/XXXX - XX/XX/XXXX states payment received on XX/XX/XXXX. The stop payment of duplicate payment took place on XX/XX/XXXX. I feel Barclays did not provided inaccurate documentation and tracking off payment. My credit union provided Barclays with tracking numbers and the necessary information. Barclays have provided me with information that clearly does not match my bank statements. Barclays did state that duplicate billing issues occurred during this time period and I feel their system reflects errors of payment. 

I dispute that my XX/XX/XXXX statement was not payed or this case should not have been closed.

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 2023-03-05 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: PA

Complaint narrative:
On XX/XX/XXXX I received notification that my dispute results for XXXXXXXX XXXX XXXX account number XXXX were process. With this dispute, I sent proof that the account balance was inaccurate reported. As of XXXX, that account shows a zero balance the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had an extension agreement which means the account is reporting late payments that are invalid. On XX/XX/XXXX I received an additional dispute result pertaining to the same account with XXXX XXXX XXXX stating that account was updated attached below I have shown no updates being updated on this account through Experian. 
I have attached below all extension agreements and a copy from my XXXX account statement, showing a zero balance. The account balance that was reported to Experian which states XXXX but on XXXX transaction history shows XXXX. As of XXXX XXXX there is a {$0.00} balance.

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 2023-03-05 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: NY

Complaint narrative:
I applied for a credit card from XXXX XXXX  and was declined. I was sent a letter explaining why. It says my credit score is XXXX  That is incorrect. My credit score was XXXX now XXXX. It went down probably because of the three applications to credit cards that was declined. 
Can you please 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 explanation
Consumer complaint received 2023-03-05 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: FL

Complaint narrative:
National credit systems XX/XX/XXXX  I do not know what this is I did not authorize this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize XXXX XXXX XXXX  XXXX XXXX to do a hard inquire on XX/XX/. I think this may be fraud. I want this removed from my credit report. I attached the fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-03-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : AXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
For several years a collection company named Meridian Financial Services has been posting a changing debt on my credit report an though trying to dispute it i have always failed. The amount changes regularly between XXXX and XXXX and i have never received any information. It is supposed to be a bulling by a timeshare company in California. More than 16 years ago my friend XXXX XXXX purchased a timeshare week with XXXX XXXX XXXX but returned it within the first 30 days, so he told me. He never received any title or ownership and he has never been billed for any maintenance in all these years. Some years ago Meridian FS starting posting collection debts on my credit report, first there were 3 or 4 and then just one for the last 2 years. These collection amounts go up or down over a year without any explanation as to why. I have never received any ownership from the XXXX XXXX XXXX nor any billing of any kind. I do not own anything with XXXX XXXX XXXX  and they are not entitled to bill me for any maintenance for something neither XXXX not I has ever owned from that outfit. Meridian is totally unresponsive and i guess is part of some scheme to pressure me to give them money. This situation has been going on for many years that i can remember, maybe nine or 10 years already, not sure how many years. Please help, 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 explanation
Consumer complaint received 2023-03-05 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: PA

Complaint narrative:
After numerous attempts of trying to update my personal information on my credit report. XXXX continuously keeps reporting an inaccurate address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Sent several supporting documents to XXXX for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: GA

Complaint narrative:
Sent several supporting documents to XXXX for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.

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 2023-03-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data branch and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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:
Sent out multiple disputes with all the proper documentation experian credit bureau and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed 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 2023-03-05 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: WI

Complaint narrative:
Transunion, XXXX, and XXXX are all reporting a bankruptcy on my credit profile which XXXX XXXX  deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.

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