vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I noticed a debt on my credit with Caine & Weiner I do not have a contract with them for any debt this is a fraudulent account. I have never heard of this company. U also do not have a account with XXXX or contract. All of my bill where also protected through Covid protection. This company is reporting I owe them a balance of {$270.00} open XX/XX/2022 I have never opened an account with Caine & Weiner. I disputed this with the credit reporting agencies & they verified this account as correct as if i had a contract with them. & left this n my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX please 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 non-monetary relief
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Reporting Agency removed an open account with XXXX  XXXX from my Credit Report as well as the inquiry ( Hard Copy ) and refuses to resolve the issue. For 5 hours today, I have been on the phone trying to resolve the issue with them. The first agent I spoke with in the Membership Dept told me that they had not received a report from XXXX XXXX for the last 6 months. The account has only been open for 6 months so I knew she was not telling the truth. Also, I have received emails from Experian stating what a good job I'm doing with my credit payments. She then stated that she would transfer me to the Dispute Department. I was on hold for 10 minutes. I then got someone who stated he was a Supervisor for the Membership Dept and that my open account was removed due to Fraud. Stated it was a Fraudulent Account. He then stated he would transfer me to the Fraud Dept. I waited to speak with someone who asked for my personal information again and said he could only see my information if I give him my birthdate, social security number and zip code even though I have an Experian Membership. I refused because he didn't sound legitimate. I called again and got the Dispute Dept who said the same thing. She said she needed the information for a Dispute. I asked to be identified by my Membership ID or some other way and that I was told by the Membership Dept that she only needed my middle initial or name to identify me. I explained that I have been a victim of Identity Theft and Fraud and I didn't feel comfortable giving that information over the phone, but I did give her everything she asked for except my birthdate. She stated she was not able to pull up the information with anything except my birthdate. I called the Membership Dept again and spoke with someone who said he did not see anything in the records about what I had been told earlier. I asked for the Fraud Dept. He said he could transfer me to the Dispute Dept. The account has been on my Credit Report from XX/XX/XXXX until XX/XX/XXXX when I filed my first complaint. It was removed after they received the first Complaint.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

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 2023-06-02 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: OH

Complaint narrative:
I received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TN

Complaint narrative:
XXXX XXXX XXXX  are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX  XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. XXXX hours away and yes we were going to divorce but agreed to wait a year until my XXXX XXXX  and my XXXX XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like XXXX different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.

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 2023-06-02 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: TN

Complaint narrative:
XXXX XXXX XXXX are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX  XXXX and my XXXX  XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: NJ

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 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 2023-06-02 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: CA

Complaint narrative:
Hard fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I used chimes mobile deposit feature and it hasn't gone very well. I deposited my paycheck to be processed into my account. After 3 days I got a notification that my check was verified and cleared. Shortly after that I received an email stating they needed 5 additional days to verify the check after they already verified it. After checking with XXXX  and XXXX XXXX XXXX, I discovered that all other institutions clear the checks within 3 to 5 minutes of the deposit. I called chime 2 days in a row seeking a remedy as my credit card payment is due and they stated I had to wait and there's nothing they can do. I am now delinquent in my credit card payment and it's at risk of being sent to collections. This isn't the only time I've had issues with this institution and receiving my funds. I've had several occasions where my direct deposits were held by chime and they stated that they didn't get the transaction info, however I had spoken to the payroll company and they verified they sent the deposit and even had transaction numbers to prove it. I'm at a loss. I currently sent chime an email stating they are being charged interest for everyday my funds are not available and they do nothing to remedy the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
yes, I have already gotten my new card and i'm still seeing one more Fraud transaction on my account! and I have tried to call to get this fix so many times and they keep saying that were gon na take care of it but nothing ever happen and i'm spending more time answer non sense question. I don't know how you guys are being trained but this fraud transaction need to go! 

XXXX for XXXX on XXXX XXXX XXXX 

and please train the last XXXX agent i spoke too but they have been wasting my time on the phone when i could have been doing something else. what a great way to raise my stress level!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by American Express on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with American Express, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
Here another debt collector I am not aware of, I do not have a contract with the collection company or anything type of agreement, can understand why company are so easy to pull collection on consumer credit report. It also looks fradrulant trying to collect on a non-existent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: PA

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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:
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 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please 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 non-monetary relief
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
This is XXXX XXXX please 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 non-monetary relief
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
This is XXXX XXXX please 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