vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
XXXX and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts XXXX XXXX being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm pist these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
XXXX and Experian credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts first premier being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90

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 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX to ask that this account be removed since it's been settled and is damaging to my report. I have no got a response as of yet from this company.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express Delta SkyMiles Card I had a promtional offer on my card with the promotions below : 1. XXXX statement credit ( on pic ) 2. XXXX bonus miles ( on pic ) 3. 12 months intro 0 % APR ( told on phone ) I have not done balance transfers, never closed amex cards, first time card holder, never missed any payments, high credit scores, applied and did not receive notification did qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My car was totaled back in XX/XX/XXXX. My insurance company, XXXX, paid {$12000.00} on XX/XX/XXXX that Westlake confirmed they received. I have GAP insurance to pay the remainder, but they have not processed it yet, which results in my remaining payoff of approximately {$4500.00} getting higher each day. It has been well over 30 days so my balance should be XXXX with the GAP insurance. This is still being reported to all 3 credit bureaus as a debt over {$17000.00} which is increasing my debt to income ratio, lowering my scores, and interfering with my ability to qualify for purchasing a home. The company needs to process the GAP claim and report the accurate balance.

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 2023-04-12 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: NY

Complaint narrative:
I am the Creditor of the accounts listed below pursuant to 15 U.S Code 1602 ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to comenitybank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to comenitybank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
I was told that it was done by me and their was no mistake. When asked for the proof after investigation with XXXX XXXX online she wouldn't provide that information and she hung up.. I never did this and {$730.00} at XXXX XXXX isn't even something I would ever purchase online. I had reported this on the XXXX of XXXX while it was in pending. I couldn't get anyone to help me. I need this resolved I can't pay my bills again this month due to they finally gave me a credit on the XXXX of XXXX just to take it away on the XXXX and put the responsibility on me, I believe they never even looked into this for if they did they would know I didn't do it ... Also they would provide me with proof. Direct Express through Comerica.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 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:
XXXX XXXX  phone bill doesnt not belong to me and I have disputed it multiple times with no resolve it is hurting my credit score and I want to buy a house for my kids Im a single parent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX Opened Date XX/XX/XXXX 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 explanation
Consumer complaint received 2023-04-12 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX HARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX HARD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-1 ( 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 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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Pursuant to 15 usc 1692g, you failed to properly validate the alleged debt and in addition to that I do not recall giving you my consent to contact my person, thus you are in violation of 15 usc 1692c ( a ). You are liable to pay {$1000.00} per violation pursuant to 15 usc 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I am a senior citizen on Social Security income. I have a victim of Identity theft. I notified the identitytheft.gov. 

I can recall a few incidents that happened this fall. I am not sure which one was one that caused this identity theft. 1. This fall, I was playing games to win cash example- XXXX XXXX XXXX However, I did not get my payout as they promised, so I emailed XXXXXXXX XXXX XXXX They advised that XXXX XXXX XXXX needed more information. So I sent them the information. I tried contacting XXXX, but XXXX did not care. 2. In the fall, I was looking at a XXXX ad and thought it might be ok. So I tried with the card but decided against the purchase since I could not see the total. I never completed the transaction. I can't remember which product it was, but I never got a receipt or anything from it. 3. There was a data breach with one of my providers. It seemed like most of my accounts were affected. 

This has been a traumatic time for us. 

They have been leaving either empty messages or notifying other family and friends about this. We are on Social Security income and can not do anything. We contacted XXXX a nonprofit law firm for additional assistance. However, they have disregarded all communication about this from XXXX. We contacted them in XXXX and notified them to contact XXXX. but they have ignored that. XXXX has sent them a letter. Please see attached. I feel totally helpless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} SXXXX XXXXXXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I sent the credit bureaus letters asking to verify the debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. 

If you look at the current credit report for XXXX information is extremely inaccurate. 

I have also received letters saying that they need to verify my identification, but I sent all three bureaus a copy of my driver license and Social Security. 

Also those three letters were notarized just to confirm that it was me and the letters were real.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NJ

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
They will not let me access my account. They keep locking me out of it. Every time I try to get help, the employees refuse to help me be able to log in, and instead insist I pay over the phone, which I do not feel comfortable with. The first time I was successfully able to log in, it was because the employee deleted my account and had me re-register it. However, after that experience, the other employees after him refuse to help me. I either get hung up on right after I say " hello '' ( was not rude and didn't have a bad tone ) or they ask me " why do you want to get into your online account? '' which I found weird. Whenever I answer that question, they say they cant help me get into my account and to pay over the phone, which again, is super weird. I don't know why I can't just pay online, and it also makes me nervous that I have cards saved to the account from the one time I was able to get into it because they won't even let me in my account. Please help : (

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 2023-04-12 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00}, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}

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 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
Attached is the estimate of damage to vehicle I sued and attached Illinois statue on petroleum gas fuel contaminated should be sealed once this was submitted to court in the form of a lawsuit turner ended the contract payment and said they would take no further action with this statement the entry on credit bureau should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NJ

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I have had an ongoing issue with Ally Bank where they wont resolve an issue figuring out why my refund hasn't processed Recently My balance went from XXXX to XXXX due to a double charge and no one can tell me why, every time i call i get difference answers and suggestions. They say they escalate things and i never get responses

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