vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: AZ

Complaint narrative:
I contacted all three credit agencies due to identity theft and fraudulent information on my account. XXXX and XXXX replied immediately and correct the false information. Experian, however, has done everything that they can to harass and prolong this process for me. I sent them a certified mail request that contained everything including my social security, birth certificate, utility bill and drivers license. They responded claming the issues were resolved, however, upon pulling my credit report, the issues were STILL there. After calling them, their support representative outright refused to remove the incorrect names on my profile. 

As of today, XX/XX/22 I pulled the report and it sais that XXXX of my names is " XXXX XXXX '', this is incorrect. This is not my name and should be removed. I have an uncle who goes by this name and it is not me. 

My birthname, as shown on my social security card, is XXXX XXXX XXXX. 

I would like the false and incorrect name of " XXXX XXXX '' removed from my file. This is not my name as you can see in my legal documents.

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 2022-12-08 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:
This debt has been paid off I was told it would be removed within 30 days and it has been over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis has incorrect information on me and my wife in their system which is causing me to be denied car insurance. They have us with XXXX  XXXX  on our records. We should only have " Not AT FAULT '' listings. Not at fault means that we did not cause the XXXX. Therefore this company is listing these XXXX incorrectly which is causing me to not be able to get insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: SC

Complaint narrative:
Inaccurate reporting. I filed a dispute with XXXX XXXX XXXX. They did not respond to my dispute. This item should 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 non-monetary relief
Consumer complaint received 2022-12-08 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: SC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-08 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: AZ

Complaint narrative:
Experian needs to remove the false name " XXXX XXXX XXXX '' The only name listed should be my actual LEGAL birth name, which is correctly spelled : XXXX XXXX XXXX. Thank you. 

I tried contacting them via certified mail. They responded to me sayin this had already been corrected. Months later, it still has not. I pulled my report today XX/XX/2022 and they still have incorrect spellings of my name. For my safety and protection against further identity theft, they need to correct this. 

Again, remove the incorrect " XXXX XXXX XXXX '' and please spell my legal birthname correctly. XXXX XXXX XXXX is my only name. 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 2022-12-08 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: SC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On Monday XX/XX/2022 I received my federal tax refund of {$7300.00} I used my card in a couple of merchants and on Wednesday XX/XX/2022 there was a deduction from my account for {$5300.00} from a bank called XXXX. I do not have a bank with this entity nor have I ever banked with them. I reported the issue to chime and they couldnt give me any information about the charge. 

Exactly one day later they declined my claim and did not want to refund my money whoever initiated this transfer was not me as I dont bank with XXXX  this had to be sent to a account not under my name but chime did not want to help in giving me any information as to what to do in this situation they just had the name XXXX  in their system no name no account number nothing. 

Im asking you guys to please contact chime and make this right someone transferred {$5300.00} dollars from my account and chime did the bare minimum to recover my funds Ill be taking legal action if this is not fixed this is all the money I had and they didnt do anything to really investigate this problem they didnt get any information I already didnt have. You could totally see its fraud because I dont use XXXX I never have. They stated a IP address in Florida was used but that could easily be masked by a hacker. 

Im begging you guys to please fix this and re open my claim I need my money back its not right that they just denied it after one day and got no information about the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NV

Complaint narrative:
I have contacted the Courts and have included their response. According to the United States XXXX  XXXX XXXX XXXX XXXX. The XXXX  XXXX does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights.

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 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
i spoke to this company National Recovery Agency today XX/XX/22 XXXX i asked for information for this account, they have my date of birth my dads name, they are trying to collect of a debt without providing any and missed information. Proof of Claim document is attached please send to the company im just asking them to provided information XXXX if they cant close this fraudulent account.

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 2022-12-08 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: SC

Complaint narrative:
Inaccurate reporting. I filed a dispute with XXXX XXXX XXXX. They did not respond to my dispute. This item should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
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 2022-12-08 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: NY

Complaint narrative:
TransUnion recently had a data breach and because of that my rights 15 USC 1681 section 602 states I have the right to privacy.

TransUnion has Violated my right to privacy

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 2022-12-08 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Violation of my consumer rights by reporting and demanding payment of a debt I do not owe or have any recall of owing they have aggressive tactics high jacked my credit with stating to all my credit reports in a negative way and has damaged my ability to purchase a house to move my family in Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX Collection on XXXX XXXX Insurance I have not had a car with progressive insurance since 2006 and do not owe progressive insurance any money My XXXX XXXX XXXX Email XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 everything has to be 100 % accurate on my credit report. 
XXXX XXXX # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last report is not act. This ground for removal they also violated my right under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing 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 2022-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In XX/XX/XXXX I opened a new online CD with Marcus by Goldman Sacks and I made a transfer from my XXXX  XXXX XXXX account of {$100000.00}. Everythign seemed to be going well until XX/XX/XXXX when I noticed two withdrawals from my XXXX XXXX XXXXXXXX account made by Marcus on the same day : {$1000.00} used to open a new saving account, and {$5000.00} used to open a new CD. Both of these transactions were not done or authorized by me. I reached out to XXXX  XXXX XXXX and disputed the transactions and reached out to Marcus. At Marcus, I was answered by untrained unprofessional staff who kept transferring me around up to 7 times every call, which lasts anywhere between 1-3 hours at a time with no answers or resolutions to my issues. I called Marcus every day from XX/XX/XXXX to XXXX. Even at the few times that I was assured that they canceled those transactions and closed those accounts, I realized later that nothing has been done. Then it got worse, New accounts in banks that I do not have any relation with have appeared as " linked accounts '' in my Marcus accounts and the transfer of money started to happen from my accounts to those accounts unknown to me. these were XXXX XXXX, another was XXXX, {$1000.00} at a time. My access to Marcus was locked so I could not see what is happening until I call and after 2 hours I got a glimpse on my account and I see more accounts have been opened in my names and money have been transferred then the access was blocked immediately after the call. I do not know what to do at this time since I got no where to go with them on the phone and I was just told that they are only an online bank and they have no branch to go to to talk to someone. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
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 non-monetary relief
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC
State: TX

Complaint narrative:
Back in the late XXXXXXXX XXXX, a debt collection agency began to call my telephone number about a delinquent debt in the name of a female stranger named, XXXX XXXX. Although my phone number XXXX XXXX XXXX XXXXXXXX, became mine in XXXX ; the debt collection company insisted that my phone number was the debtor 's. My phone carrier XXXX XXXX XXXX called the debt company XXXXXXXX XXXX office to verify that my phone number account does not have the debtor 's name and is solely my phone number. The debt collection company agreed to remove my phone number from the debtor account record. They lied about removing my phone number and sold the delinquent debt with my phone number to another company. Since that time, different debt collection companies have called my phone number about this debt. When they found out from talking to me that the debt is not mine, they sold the delinquent account to another debt collection company and did not remove my phone number fraudulently associated with this debt that is not mine. The latest debt collection company calling me now about this debt is Diversified Recovery Bureau, LLCXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; at telephone numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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:
This debt has been paid off I was told it would be removed within 30 days and it has been over a year.

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 2022-12-08 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:
This debt has been paid off I was told it would be removed within 30 days and it has been over a year.

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