vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: FL

Complaint narrative:
I XXXX XXXX the consumer has contacted the reporting agencies and creditor multiple times about this violation. XXXX XXXX XXXX XXXX has reported late payments an transaction on my consumer report without being authorized by me the consumer. As stated in 15 u.s.c 1681 ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As you see a late payment will be considered as a transaction.

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 2023-04-30 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: FL

Complaint narrative:
I XXXX XXXX the consumer has contacted the reporting agencies and creditor multiple times about this violation. XXXX XXXX XXXX XXXX has reported late payments an transaction on my consumer report without being authorized by me the consumer. As stated in 15 u.s.c 1681 ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As you see a late payment will be considered as a transaction.

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 2023-04-30 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:
CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim

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 2023-04-30 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: Westlake Services, LLC
State: VA

Complaint narrative:
According to to 18 U.S.C. 10284. 
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

XXXX XXXX Westlake 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 2023-04-30 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: CA

Complaint narrative:
CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim

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 2023-04-30 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are all showing on a chexsystems consumer report which shows incorrect name, social security number, and addresses these are all stemming from identity theft in which I've sent police reports, affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system after sending proof Ive hired an attorney to take matters to local and federal courts

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past XXXX years. 

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 non-monetary relief
Consumer complaint received 2023-04-30 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: NV

Complaint narrative:
XXXX investigation was not completed and I am being punished with incorrect information. I have reached out to Transunion multiple times with no success. I have 3 inquiries on my report that was not authorized by me. I spoke with their fraud department, and they refused to remove them. According to the fair credit reporting act, they must remove them. Also they are reporting bankruptcy information that is in accurate that needs to also be removed and they refuse to do so. ( FCRA ) states that I am entitled to an accurate credit report at all times, and Transunion is not abiding by the rules.

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conduent Incorporated
State: FL

Complaint narrative:
A card was opened in my name. I tried using XXXX XXXX  to dispute this matter it never worked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
I got behind on payments to credit card companies which I called and notified and asked for hardship help... I had been paying on time for years and even the credit card companies agreed that I had done whatever I had to do to make My payments every month on time until XXXX day that just suddenly stopped. I had been in a bad carwreck and that same night My Fiance ' suffered a XXXX and had some sort of clot in His XXXX and XXXX. I notified the companies, some of which I was protected by in case of which something like this happened, and granted help. XXXX was XXXX of the companies that closed My account and I believe charged it off, and just this week I noticed My paycheck was short and checked My paystub online and saw where My paycheck was being garnished without Me knowing or being aware in any way and didn't even know by who until contacting My employer. It was being garnished by a company that took over My account from XXXX. I am low income, XXXX, and receive SSD and do not even know if They are garnishing those payments from SSD. Can some one please call and help Me or tell Me of some one that maybe can help? Thank You so much! My phonenumber is XXXX. I live in XXXX, XXXX XXXX You are welcome to call Me anytime. Thank You so so much! XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
Security alert was made fraudulently on my ChexSystems Consumer report, XXXX, XXXX, and XXXX. Im pretty sure theres more. I need to get control of my identity again.

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 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: MS

Complaint narrative:
I got behind on payments to credit card companies which I called and notified and asked for hardship help... I had been paying on time for years and even the credit card companies agreed that I had done whatever I had to do to make My payments every month on time until one day that just suddenly stopped. I had been in a bad carwreck and that same night My Fiance ' suffered a XXXX and had some sort of XXXX in His XXXX and XXXX. I notified the companies, some of which I was protected by in case of which something like this happened, and granted help. Discover was one of the companies that closed My account and I believe charged it off, and just this week I noticed My paycheck was short and checked My paystub online and saw where My paycheck was being garnished without Me knowing or being aware in any way and didn't even know by who until contacting My employer. It was being garnished by a company that took over My account from Discover. I am low income, XXXX, and receive SSD and do not even know if They are garnishing those payments from SSD. Can some one please call and help Me or tell Me of some one that maybe can help? Thank You so much! My phonenumber is XXXX. I live in XXXX, XXXX and You are welcome to call Me anytime. Thank You so so much! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a letter asking Experian to investigate my accounts. Here is my tracking XXXX. It has been over 30 days now going on 3 months. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXXl Account Number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX Account Number XXXX ( Original Creditor ) Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account Number 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-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. 
If it come back verified please send me a wet copy of the contract with my signature on it, AND PLEASE EXPLAIN TO ME WHAT METHOD WAS TAKEN FOR THIS INVESTIGATION. because I know that my signature will not be please resolved and Delete from consumer profile

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 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank has continued to harass me about an alleged debt which they have failed to prove is mines nor did they present valid information for me to validate the debt pursuant to title 15 USC 1692g. I have made sent numerous correspondence to Synchrony Bank attempting to get the information required on their part to prove my obligation to the alleged debt. Synchrony Bank has written this alleged debt off as a lost of profit and is now report it as such on my credit report. But Synchrony Bank has now gone even further and is now attempting to get payment for this same alleged debt account which they failed to validate and wrote off as a lost by way of the small claims court system.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

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 non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: LA

Complaint narrative:
I have disputed have disputed the ownership and accuracy of the XXXX Account listed on my credit report more than once and it has come back as accurate and Verified the account number is the same on each consumer report but the data furnished on each report is different which are violations of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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:
I sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( Trans union and XXXX ) but XXXX came back us unverified and was removed from report. 


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 non-monetary relief
Consumer complaint received 2023-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX XXXXXXXX of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
After having my account used by someone else when my phone was stolen, I disputed quite a few transactions on my paypal account. I was refunded my money, but my account was permanently limited and none of the funds in my account are accessible to me for the next six months. I was also sent a message stating that I would be charged for every dispute that I filed after being a victim of fraud. Something called a high volume dispute fee. On XX/XX/16 I messaged through the app and emailed several departments trying to resolve the issue, as well as called PayPal and spoke to a supervisor who appealed the case. I have yet to hear back about my appeal and received a message the next day repeating the original account limitation information I originally received. I was never given a reason as to why my account was permanently limited by any representative and have hundreds of dollars locked in that account. PayPal has essentially stolen my money. I want access to my funds immediately.

Company response to consumer: Closed with explanation