vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX someone opened a capital one credit card in my name. I don't know how or who. I reached out to them in XXXX and informed them I was a victim of identity theft. I asked them to remove this blemish from my credit report. They have not done so. I have asked several times. I never signed anything or even received anything in the mail to apply for this card so it bothers me that they allowed someone to do this to me without try to verify it was me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NC

Complaint narrative:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine.

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I had a account wiith fortiva and i did not give fortiva consent to share my information and they are reporting it on my credit report they have violated Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NJ

Complaint narrative:
Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.

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 2022-10-27 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: Synovus Bank
State: NJ

Complaint narrative:
Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine.

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 2022-10-27 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:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
credit report showed that I opened an account with TDBANK/TARGET credit card, I never did that. They had my email and home address but different driver license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
See letters sent, clear violations of the FCRA and they need to be deleted

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I closed the account via phone call with a live rep on XX/XX/2022. I paid the full balance which took me to zero. Since then the company has continued to charge me some type of fee and it is reflecting on my credit every month. I need it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27 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
State: GA

Complaint narrative:
This is a continuation of my complaint ( XXXX ) submitted to Consumer Finance Protection Bureau . The CFPB closed my complaint with the resolution provided by Paypal being that they would grant me a credit of {$1.00} to be able to sell my crypto remaining assets so that my balance would be empty and then I would be able to close my account. I have requested the XXXX XXXX  credit ( see attached ) and Paypal failed to provide me a XXXX XXXX  credit. My balance in Paypal crypto is still under a XXXX XXXX I forfeit any balance in my account so that it can be closed. Paypal is refusing to close this account and keep this balance for no reason. I do not care about the remaining balance. I forfeit the balance. I want this account closed immediately. Please see attachments, showing I requested the XXXX XXXX credit and showing my balance is still under {$1.00} in Paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-10-27 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: National Credit Adjusters, LLC
State: MD

Complaint narrative:
National credit adjusters agreed to accept my settlement payment and remove information from my credit report 30 days upon final payment. This information is still reflecting on my XXXX and XXXX credit report. XXXX has removed the information after requesting deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
See letters sent, clear violations of the FCRA

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 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to delete the following information off my file. The items I need deleted are listed in this report. 
I am a victim of identity theft and did not make/authorize any of the following charges. I ask that these items be deleted to correct my credit report I reported the theft of my identity to the federal commission trade, and I also have enclosed copies of the federal trade commissions identity theft Affidavit. Please delete the following items as soon as possible. Thank you in advance. 

Collections : Name : XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Amount : {$540.00} Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account date : XX/XX/XXXX Amount : {$540.00} Fraudulent Inquiries : Inquiry Name : XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Personal Loans : Account Name : XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC is blantatly stealing money from its customers and people who are no longer their customers. PNC should be shut down. 

A bank transfer of XXXX was sent on XX/XX/2022. This was sent to a closed account, PNC will not reverse the money. There is no account, I have no account with PNC, they are stealing and should be liable. 

I closed stopped using my account because of this exact reason. PNC then took retaliation for this. The account is closed and they are still taking retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: FL

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

Personal Information XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. 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 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I had a payment arrangement with XXXX XXXX that was incorrectly setup by the hospital. Because of this, no automatic payment was made and they cancelled the payment arrangement. XXXX mailed me a letter that got to me after the deadline for resolution, so they sent it over to Credit Control Corporation ( CCC ) for collection. 
Since this debt was due to hospital error, I requested validation of the debt from CCC. I sent the letter to XXXX. via Certified Mail with delivery receipt. They received the letter on XX/XX/XXXX. In the validation request I asked for : name/address of creditor, a copy of the original payment arrangement, copy of last billing statement sent to me by creditor, date they obtained the file, original amount of the debt, statement of additional interest accrued, and date creditor says debt became delinquent, among other things. I received partial information this week- They only sent me a Detailed Hospital Charges ( Detail Bill ) from XXXX printed on XX/XX/XXXX, which only includes current Balance Due and breakdown of services/dates. 
They are not giving me enough information to prove that I owe this debt to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a XXXX on my Transunion report previously disputed. I've contacted the XXXX XXXX Colorado in which provided me with information stating they have never shared information or put a bankrutcy on my report. XXXX XXXX reports as the XXXX court which is an inaccuracy and a violation Please remove this item as it is not mine. Thanks

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 2022-10-27 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: IL

Complaint narrative:
credit report showed that I opened an account with XXXX  credit card, I never did that. They had my email and home address but different driver license.

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 2022-10-27 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid Comenity credit card with a bank check ( XXXX # XXXX {$1800.00} ). The bank check was to pay off Comenity and move balance to my bank credit card. Comentiy received the check on XX/XX/2022. They applied the check and then immediately disavowed the check and charged me fees. I was able to speak to a Comentiy representative and they did not know why the check had been disavowed but said they would research and get back. They DID NOT. I used the email system on the website and was told to call them. I have called them more than 10 times. You press all the buttons and then the system hangs up on you. 

I contacted my bank, and they could not understand why the check was disavowed. I have been waiting for them to call back with the reason the check was disavowed. Still waiting. 

I sent another check # XXXX on XX/XX/2022 by registered priority mail. The bank check is good only until XX/XX/2022.

Company response to consumer: Closed with monetary relief