vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: GA

Complaint narrative:
In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.

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 2022-11-18 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-11-18 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$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 2022-11-18 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX  years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX  years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A former friend ( XXXX XXXX ) was added to this account as an authorized user. She has broken my trust, and I am removing her as an authorized user on accounts. When I sent a message in the secure credit line asking her to be removed as an authorized user, Comenity Bank instead closed y account entirely. Comenity Bank has caused untold amounts of distress from its negligence. I've had this account for over a decade in good standing, and this may also be retribution for my reporting that they falsely reported a late payment in violation of the Fair Credit Reporting Act. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
In regards to Experian dispute for XXXX  acct XXXX XXXX XXXX filed it came back as updated. This is not right, this shows a charge off of XXXX which is a complete fraud on their part. I had bought XXXX worth of gift cards, there was a security issue and they cancelled the cards. I never got to use the cards. I got nothing. They charged me tho, I called and they said they reversed the charges. But now its still showing as I owe them XXXX which I DO NOT! PLEASE DELETE THIS it is totally incorrect. Absolutely ridiculous that they havent changed this. its XXXX XXXX false. 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 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was contacted about a debt that did not belong to me. I informed the company, I requested that the company open an investigation in XX/XX/2022, no one has gotten back to me. I asked the company what dates was the account opened, I was given two different dates. On both dates, I was at work. I asked what was charged, no one from the company could tell me. I have disputed this account a few times with no relief. This is not my account. Also, I never received any type of information about this account, besides them calling me for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX an individual went into a local Chase branch using a fake ID and the incorrect name and withdrew my remaining funds of {$2400.00} and closed my checking and savings account. In XX/XX/XXXX I contacted Chase to update my name due to being recently married and was then made aware that the account had been closed and my money withdrawn. 

Chase has refused to investigate due to my reporting the fraud after 60 days. But the policy states that I have 60 days to report it after receiving the most recent statement/closure letter. The bank provided the thief with the closure letter, not me. They say they mailed a closure letter to me but I did not receive it and neither the bank manager nor the Executive office can reproduce that letter or prove it was actually sent to me. Which means the 60 day policy is void.

I should not be responsible for their mistakes. I can not report something I am not made aware of. As a business and financial institution they need to be held accountable and reimburse me of my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXl XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Hi, A duplicate/incorrect installment charge of {$1100.00} was added to my card in XXXX statement. I filed a complaint with Goldman Sachs and it was determined that the charge on my card was incorrect and will be removed. I would not be responsible for the charge CASE ID : XXXX However, in the latest XXXX statement, the entire {$1100.00} charge was added to the my transaction list as " Cash Back redemption ( REVERSAL ) '' and I am required to pay this entire amount by the due date. I reached out to the customer care and they are pretty clueless about this. In my call with the manager who informed me about the resolution of the above case, it was clearly explained that I will not be responsible for the charge ( Feel free to review the call recording ). 

I have had more than 6 calls and 4 escalations with XXXX 's support team. It is really frustrating that there is still no resolution. I do not have the patience to call and explain the issue everytime I speak to someone at XXXX 's support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX is attempting to collect {$790.00}. 
This is not my debt. 
I never opened a XXXX XXXX XXXX account nor have I ever requested or used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: OH

Complaint narrative:
Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX XXXX am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n.

As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per XXXX5 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and XXXX reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported. 
2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.

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 2022-11-18 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: OH

Complaint narrative:
Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n. 
As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and Credit reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation