vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX 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 2023-05-12 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: MI

Complaint narrative:
One again I have made complaint about this matter with XXXX XXXX XXXX  being clearly a fraudulent accounts with fraudulent charges attach to this account i continue to dispute this matter with Experian but they have choice to completely neglect this matter and has allow this creditor to not verify any information show any valid proof of these charges first premier bank has not shown original signed document sign by me linking me to this debt as requested and Experian is once in violation of several FCRA rights that they must uphold to the consumer. by stating they have investigated this matter .they havent received any verificationme to debt by this cred but old was never. infirst that has been full requested to be update, and I have show documentation of police report and current mail address plus vaild driver license with current address I have had for several years that any information this creditor have is completely incorrect. XXXX XXXX XXXX has not show any valid documentation of this account, Experian is and complete violation of 15 USC 1681 S-2 Plus in accordance with the fair credit reporting act conversion account # XXXX And account # XXXX and account number # XXXX has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions XXXX XXXX/ XXXX is violation 15 U.S.C.1692 g section b 15USC 1692 e Experian violation XXXX section 5 XXXX XXXX XXXX in violation. 15 U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 e XXXX XXXX  XXXX in violation 15U.S.C.1692 F section 1 and 2 15 USC 1692 c section a 15 U.S.C. 1692 g section 4 15USC 1681i section. 5 15 U.S.C. 1692 section D 15 U.S.C. 1692 g section C 15USC1681i section 5 15 U.S.C 1692 section b 15 U.S.C.1692 e

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 2023-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents as i was never late in this acounts!

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 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: FL

Complaint narrative:
i was never late in this accounts they need to update this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NH

Complaint narrative:
I have never had an account with XXXX I checked my credit report and disputed this item and the item came back as verified, which is impossible considering I have never had an account with XXXX. I would like to know how this information was verified and who was spoken to, in order to verify that this debt belongs to me. This is a blatant disregard of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything

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 2023-05-12 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: GA

Complaint narrative:
I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Check # XXXX for {$4800.00} was issued from my business PNC account to a vendor on XX/XX/2022. My vendor deposited the check and it cleared my PNC account. On XX/XX/2022 the vendor sent me his statement from his bank ( XXXX XXXX ) that the check had been pulled from his account with a error notice " to referr to maker ''. My client does not have the funds and XXXX XXXX has confirmed the funds were sent back to PNC and provided their batch number for the transaction. PNC has not yet returned the funds to my account. I reached out to my business banker on XX/XX/XXXX and placed an escalation call to PNC customer service. I have reached out multiple times and still have no answer to where my funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Forever 21 XXXX Credit Card from Comenity Bank - I stored this card on file for a monthly bill of {$150.00} during XXXX  of XXXX. I soon removed the card from my account and used a completely different card for the monthly bill as of XX/XX/XXXX. I noticed in XX/XX/XXXX that I continued to have the {$150.00} charge on my Forever 21 credit card account even though I REMOVED the card in XXXX, and was already paying for that monthly bill with another card. So I was double charged for XXXX, XXXX and XXXX. Of course the first thing I do is contact my monthly billing correspondant thinking they were the ones charging me. However they did not see the Forever 21 card on my account, just the correct card. That's when I knew it was an error on Forever 21 's end. I called Forever 21 and opened a dispute for the 3 charges of {$150.00} in XX/XX/XXXX. I was notified that I needed to send in proof that I was not responsible for these charges. I sent them receipts showing I paid for XXXX, XXXX and XXXX bills with another card. 

During this investigation, Forever 21 STILL continued to charge me {$150.00} for XXXX and XXXX. I called several times, and was told that since this dispute is all under the same bill and monthly charge, these two other charges will be included in the dispute. 

They finally credited my account in XX/XX/XXXX ( 4 whole months ) of the {$150.00} charges, but they only gave me FOUR credits, not five. Again, I was being wrongfully charged {$150.00} from XXXX to XXXX ( until I had to cancel my Visa card and get a new one just so they would STOP ). 

Since XXXX, I have called DOZENS of time telling me they still owe me {$150.00}. They told me I had to open another dispute even though this was and is all part of the same dispute since XXXX. Every time I call, the agents tell me they need to open up another dispute and that I have to WAIT ANOTHER 90 DAYS. Worst of all - Forever 21 Visa customer care agents do not give reference numbers for calls so every time I call I have to explain the whole situation over again, and I always get one of two answers whether they need to open another dispute or that the dispute is in process.

They are not taking care of this dispute. They did not give me back my money. They still owe me {$150.00} and I have been waiting MONTHS. As a single mom, this has been an absolute night mare. Waiting a
whole 7 months ( who know how much longer ) to get my money back that they took from me is absoutely unacceptable.

The following attachments show the 5 charges coming from Forever 21 ( XXXX, XXXX, XXXX, XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) AND the charges from the correct card I changed my account to ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exeter finance is trying to scam me out of money i do not owe them for a car that they repossessed and sold already at a auction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MN

Complaint narrative:
XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MN

Complaint narrative:
XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report in trans union credit Bureau I found something suspicious that i didn't recognize it is called XXXX XXXX they did a hard inquiry without my approval this was on XX/XX/2022 I tried calling them to find out the issue the number was a scammer when i try to reach a representative they hang up on me few times their number that is listed in Trans union is XXXX address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX please track these scammers and send me a letter for that to ask the credit Bureau to remove them from my records

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 2023-05-12 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: GA

Complaint narrative:
I have this incorrect information on my credit report that I've been trying to fix. If they can't fix this I'll be forced to sue.

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 2023-05-12 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: GA

Complaint narrative:
I have this incorrect information on my credit report that I've been trying to fix. If they can't fix this I'll be forced to sue.

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 2023-05-12 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX an application for Wells Fargo was denied and I never filled it out

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently updated my banking information with Experian and began to continue my dispute with a property management company and apply my XXXX child to my account, with my devices being hacked I called and was told they could not add my child on their end. My subscription included this feature. I have reason to believe my child 's identity may be used or may have been used. Our social security cards were stolen, and my information has also been given to the dark web along with my child 's. I have explained to Experian that I have paid for a subscription I can not use. I do not want my money back, but I would like the services I paid for.

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 2023-05-12 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: MO

Complaint narrative:
address is wrong on reports of all XXXX credit bureaus. updated address is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, Experian and XXXX fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized credit inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: MI

Complaint narrative:
I am of victim identity theft and have contacted XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Transunion and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud Accounts- 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 XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me

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 2023-05-12 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: MI

Complaint narrative:
I am of victim identity theft and have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Experian 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud AccountsXXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, XXXX  XXXX XXXX # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me

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 2023-05-12 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: IL

Complaint narrative:
BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXXXXXX 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 non-monetary relief