vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma keeps sending me cards to apply for, saying my approval odds are great or outstanding..I try applying and am denied, left with hard inquiries on my report that are causing my score to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/22 I had {$6.00} for my available credit. I then spent at XXXX these amounts : {$2.00}, {$1.00}, {$3.00}. That left me with XXXX OR as Capital One listed XXXX in my available credit. 

I owed a balance of {$570.00}. 
Bear in mind, the transactions were pending, BUT, the money had already been taken out of my available credit to cover those transactions. 
NO OTHER MONEY SHOULD HAVE BEEN DEDUCTED. 

At that point, I made a payment of {$200.00} and cashed in my rewards which was {$24.00}. So I had {$220.00} that should have been added to my available credit, which was XXXX. 
My available credit should now be {$220.00} -- -- -- But it wasn't. It posted a few minutes later showing my available credit as only {$140.00}. 

My new balance owed should have read {$340.00}, but it still read {$570.00}. 
I called and was told at XXXX the next day it would be straightened out and the correct amounts would then show. That didn't happen. 

The next day my balance read {$850.00} while my available credit still read {$140.00} ( not {$220.00} ). 
The {$220.00} was never deducted from my balance owed. 

Other transactions have been added but they don't count in this complaint. The last transactions that count are the XXXX from XXXX 's on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, 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 2022-10-13 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: NY

Complaint narrative:
I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX 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 2022-10-13 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: GA

Complaint narrative:
Hello, Starting on XX/XX/2022, I applied for an apartment in New Jersey, because of my employment work relocation ( management ). Although, my application was denied. I inquired with the apartment leasing office the rationale why my application was denied and was informed, the leasing office ran my application and could not receive my Experian credit score. This is devastating, I'm a manager and my employment depends on my ability to support my organization. As a XXXX man, my family had to step in and co-sign for an apartment so I could relocate in schedule. 

Once, I was settled in my new location, my XXXX car had engine problems, probably due to the XXXX XXXX road trip to my new location. I applied online for an auto loan with XXXXXXXX XXXX, who financed my previous two vehicles. Within 20 seconds, I received a computer-generated response, my credit report was denied. I have " never '' missed a payment and paid both cars off early. I have never been late or missed any payments. I contacted XXXXXXXX XXXX and were also informed ; they couldn't get my Experian consumer credit report. 
I created and Experian account and sign-on to my account. AS THE ACCOUNT OWNER, I COULD'NT GET MY CONSUMER CREDIT REPORT. I called numerous time s to no avail, NO SUPPORT and were told. you don't have any open account. WELL ASSESS OR SCORE THE CURRENTLY CLOSED ACCOUNTS. this is destroying me, I CAN'T GET CREDIT, APARTMENT, HOME LOANS, or anything tat I can't pay cash for. I need someone to correct this AS SOON AS POSSIBLE, I NEED MY CREIDT SCORE. 
If Experian is going to be a consumer credit reporting entity, they should be held accountable.

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 2022-10-13 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:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2021 Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: LA

Complaint narrative:
My name is XXXX 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.

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 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
upon recent review of my credit report I noticed this company reported a collection for the amount of {$210.00} on XX/XX/22. I have never done business with this company. I submitted a packet of documents containing an affidavit of truth, cease and desist, and proof of this company violating my consumer rights. I am requesting that this company in good faith validate this alleged debt by providing the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-13 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:
How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020

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 2022-10-13 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: GA

Complaint narrative:
It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-10-13 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: GA

Complaint narrative:
It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NJ

Complaint narrative:
XXXX I wish to complain about XXXX, Equifax and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, Equifax and XXXX ) to report anything on my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NJ

Complaint narrative:
XXXX I wish to complain about XXXX, XXXX and Experian in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, XXXX and Experian ) to report anything on my credit without my consent

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 2022-10-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX & XXXX XXXX Account : 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 2022-10-13 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:
How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX FI XX/XX/2020

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 2022-10-13 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: GA

Complaint narrative:
How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX FI XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

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. 

Account : XXXXXXXX XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX  : # 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 an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years. 

15 USC 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