vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx 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 2022-03-08 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: WV

Complaint narrative:
I Informed Transunion on XX/XX/2022 @ XXXX, after receiving my consumer report and noticed two hard inquiries I did not make personally. 
XXXX XXXX XXXX. XXXX I informed the operator I had a fraud alert on my account already, but he was not willing to delete the inquiries. I made him aware of Consumer Law section : 15 U.S Code 1602 ( j ) & 15 U.S Code 1611 ( 1 ).

I would like the items deleted and block from my consumer report immediately.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX inquiry XXXX  XXXX XXXX  XX/XX/XXXX inquiry XXXX XXXX I have not applied for any credit nor did I authorize them to pull my credit and want these items deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 I called equifax about these unauthorized inquiries and customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It has been 30 days and Experian still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
The incident occurred on the night the XXXX of XXXX @ XXXX XXXX I woke up before my AM shift, to 5 ATM withdrawals from my account. A total of {$1800.00}. 
Ive filed a claim with my bank to get those disputed but the case was immediately closed. I was told to get a police report which I did only to have my rebuttal claim denied again. They tried telling me because I still had my card on me when the transactions occurred that it couldve been me. I didnt make any of the transactions at all. Ive become frustrated & is now seeking government help. Down in the attachments : Ive included the denied rebuttal claim, the police report & also my work schedule to provide emphasis on me being in bed that time the incident occurred before my 10 HR shift. 
If Not too far from relevance Ive attached a news report I recently saw that involves & mention the bank Im filling a complaint against & shows a lady thats going through a similar situation like mines https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I had a Capital one savings account while I was back in the states in 2021. I would simply like to know if I was supposed to receive form 1099 int or not for 2021. I called capital one and they're unable to help me since they need to send me a text message and as I don't have a US phone number, they're unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAY XXXX I SPOKE WITH EXPERIAN REPRESENTATIVE REGARDING THSI ISSUE, BUT THEY STATED THAT XXXX XXXX XXXX, THE COMPANY IN QUESTION, DOES NOT PROVIDE TELEPHONE SERVICE FOR THIS ISSUE AND MUST BE DEALT WITH VIA E-MAIL THE E-MAIL THE EXPERIAN REP PROVIDED TODAY WAS XXXX I AM CONCERNED THAT THIS WILL LEAD NOWHERE. 

MY WALLET WAS STOLEN WITH ALL MY CREDIT CARDS AND MY DRIVER 'S LICENCE HERE IN FL ON XXXX. I FILED A POLICE REPORT SUBSEQUENTLY, HOWEVER, I CALLED THE POLICE AND THEY STATED THAT NOTHING HAS BEEN DONE ON THIS RESPECT. 

NOW A NEW ACCOUNT IS SHOWING UP ON MY CREDIT REPORT STATING THAT XXXX XXXX XXXX. OPENED A NEW ACCOUNT FOR ME AND THAT WAS DONE ON XXXX OF THIS YEAR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
This account is not mine, and needs to be removed from my credit report. I've already disputed it before, and it's still showing on my XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive benefits from the state through this card. There were 2 fraudulent withdrawals from My account of a XXXX dollars. I keep telling bank Of America that it was not me and they keep rejecting me without telling me why. I asked them to show me surveillance video of the withdrawals to prove it wasnt me and they refuse, this is a fraud that they are concealing in order to cover their lack of security and wont give me My Money back. Dont help them on this and punish them!!

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC
State: NC

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been actively disputing an account with XXXX XXXX XXXX XXXX for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, Transunion, XXXX, XXXX and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition TransUnion and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with XXXX, XXXX, and Transunion assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXX credit Services, yet XXXX is reporting. Please remove from my credit file.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been actively disputing an account with XXXX XXXX XXXX XXXX for years. I recently began cleaning up my credit and notice, XXXX was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, Experian, XXXX and XXXX XXXX verified the inaccurate data using E-Oscar and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. 
Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show XXXX was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, XXXX XXXX updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the Experian is showing a balance of {$0.00}. Instead of correcting the data, XXXX, instead chooses to harm my credit file with Experian, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact XXXX about your credit file, they say the account was sold to XXXX credit Services, yet XXXX is reporting. Please remove from my credit file.

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