vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: NY

Complaint narrative:
I am a victim of identity theft. i have notified the credit bureau and still they have not done anything to rectify my credit report.

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 2022-11-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was applying for a paypal credit card to see if I could buy necessary car parts on XXXX. I filled out the credit card form and was informed I was declined due to having little to no credit. It left a hard inquiry in my credit report that I was not sure it would have that affect.

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 2022-11-16 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-16 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: NY

Complaint narrative:
I am a victim of identity theft. 

I contacted Experian 6 times about my credit report and they have done nothing.

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 2022-11-16 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: TX

Complaint narrative:
I am submitting yet another CFPB Complaint in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX previously requested for you to investigate the way this account reports information since I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX previously requested that you check the Payment History and Status information on this account because it is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2022-11-16 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: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX & XXXX XXXXXXXX XXXX : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-16 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: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX & XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX IN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello XXXX XXXX, my PayPal account can not be linked to the bank, and I have contacted PayPal customer service for many times and the problem has not been resolved. I want to withdraw my own money. This incident has caused a lot of trouble to my life, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
BSI Financial Services has damaged my credit due to a mistake they made and admit to on a recorded telephone conversation with one of their managers. I have asked them to correct the mistake and withdrawal the adverse credit delinquency reports they have file for four consecutive months. Extremely poor service, no one calls you back when they say they will. I'm concerned that this mistake made by BSI will negatively impact my credit score for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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:
I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} NXXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately 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 non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I applied for the SouthWest Airlines Visa Platinum Credit Card on XX/XX/2022. I received a denial of credit letter from Chase stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a credit bureau using a credit score.

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card would be used primarily for consumer credit transactions for personal, family, and household purposes.

It is also expressed in 15 U.S. Code 1691a ( c ) the term " Bureau '' is in reference to the CFPB. If that is the case, which credit bureau is the letter referencing?

Accordingly, 12 CFR 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual because Congress says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: KY

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance {$1000.00} ; Collection Associates Original Creditor : XXXX XXXX # # # # # XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX XXXX .... Balance : {$63.00} ; XXXX XX/XX/XXXX ; XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 alleged identity theft, not later than XXXX 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