vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-09 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
This is my second request to correct my personal on my credit file. 
I have been a victim of identity theft and your company is leaving me open for someone to retrieve my information. 




I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review, and you still have npt corrected my information. 

Creditors do not own my information. Creditors do not dictate what can be reported. 
The information on my consumer report is incorrect and I need it corrected. You are violating my rights as a federally protected consumer by not reporting accurate information. 

Report XXXX XXXX The only name should be showing is : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, GA 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 2022-12-09 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: CA

Complaint narrative:
I sent this letter to the credit company experian regarding inaccuracies on my credit report due to ally financial. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca. XXXX XXXX XXXX XXXX, XXXX AZ XXXX RE : To Remove Inaccurate Information from my credit report To : Consumer Complaint Department I recently pulled a copy of my credit report dated XXXX XXXX and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, and I need this account REMOVED immediately. This account has stopped me from getting approved for a mortgage and other credit extensions. I am listing this account below in case you need to verify it prior to REMOVING it. 

XXXX. XXXX XXXX XXXX. XXXX XXXXThis account is to be deleted by grantor because of a class action lawsuit XXXX XXXX violated the UCC code XXXX 

4.REMOVE FROM MY REPORT As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter. I hope that your company will take this serious so that I don't have to make further complaints. 

Thank you, XXXX XXXX Instead of removing the account because of the class action settlement and violations the company has done with the UCC code Experian instead marked the account as paid in settlement which is incorrect as I never paid any settlement. The account should be deleted as they were sued and settled for XXXX XXXX. The people who were affected by it are supposed to have it removed from their reports and be compensated. I need this fixed and removed as I was a victim of their violations.

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 2022-12-09 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This information is ruined my life and Is affecting my family I am not able to buy e home from long time because of this issue

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 2022-12-09 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.

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 2022-12-09 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.

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 2022-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
On XXXX XXXX I tried to access my Flexible Spending account with Optum Bank and had my account frozen due to improperly inputting my password. I called their technical support line and went through their procedures with their tech to unfreeze my account. Due to some IT issue, they were unable to restore my account and I was told a 'Tier 2 ' technician would be either emailing or calling me. I waited two days, didn't hear from them and called them again yesterday, XXXX XXXX. Their tech insisted I go through the same process again, even though I told them that it wouldn't work. She was unyielding even after seeing that a ticket had been submitted to Tier 2 so I wasted another 1/2 hour until the new tech came to the inevitable conclusion that I needed Tier 2 help. I asked to be transferred to their Tier 2 department and was told that she couldn't transfer me but would attempt to get them on the line. I was placed on hold for 15 - 20 minutes until she came back on the line and told me that no one at Tier 2 was available. I then asked, and had to ask multiple times to speak to a supervisor. She finally relented and placed me on hold to get a supervisor on the phone. After another 15 - 20 minutes she comes back on the line and tells me no supervisors are available but one would contact me by phone shortly. It's now a day later, no emails from Tier 2, no phone calls from a supervisor. Frustrated, I called their corporate phone number to request assistance and was bounced around from department to department with no one able or willing to help me. I'm undergoing a procedure on XXXX XXXX to XXXX  a potential malignant XXXX and I need my FSA account unfrozen to pay for the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-09 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TX

Complaint narrative:
My account shows XXXX, and 90 days late on a credit card payment. This is not accurate.

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 2022-12-09 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: TX

Complaint narrative:
My account shows XXXX, and 90 days late on a credit card payment. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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:
My account shows XXXX, and 90 days late on a credit card payment. This is not accurate.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
There was a charge of {$8.00} to my Discover credit card on XX/XX/XXXX from XXXX, then another charge on XX/XX/XXXX for {$290.00}. Between XX/XX/XXXX and XXXX there was a delivery to my home of a plain unmarked small box from a Fulfillment center in XXXX XXXX I opened the box to see what was inside XXXX XXXX and some XXXX XXXX, still unopened. 

I recognized the XXXX charges from XXXX  were fraudulent because we do not smoke, we have never ordered any smoking materials from any source, we did not solicit the box that was delivered. I disputed both charges with Discover on XX/XX/XXXX. Discover found in my favor for the {$8.00} and found the {$290.00} was valid because XXXX provided proof of a delivery to my address. I cancelled that credit card number because it was obvious that someone was fraudulently using that card, and Discover issued a new credit card to us. The credit card company advised that I should contact XXXX to resolve the {$290.00} myself. 

I contacted XXXX in late XXXX and was advised the XXXX transactions originated with an affiliated company XXXX XXXX, and forwarded my call to XXXX XXXX. XXXX XXXX ' representative acknowledged to me that the transaction for {$290.00} was delivered to a different address than mine. The {$290.00} was for XXXX XXXX XXXX XXXX XXXX ; the box containing XXXX XXXX delivered to my address was a promotional item. XXXX XXXX ' representative advised that their customer account with my name, credit card information, and address was then closed based on the information that I furnished to them. 

The information obtained from XXXX XXXX indicates that the proof of delivery to my address that was submitted by XXXX to Discover for the {$290.00} transaction was delivery of the {$8.00} promotional box, and therefore Discover should reverse their decision on the {$290.00} transaction and credit my account. Discover stated that I must submit new documentation to reopen the dispute. 

I contacted XXXX XXXX again and asked them to send an email confirming that the {$290.00} transaction was for a delivery to a different address, and they sent that email on XX/XX/XXXX. I uploaded that email but Discover will not reverse the {$290.00} charge to my account. 

The end result is that an unknown party has stolen XXXX boxes of cigars and I am paying for it ; Discover is facilitating this theft by not performing adequate research into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-09 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX  XXXX  XXXX  has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 

Name of Bank : XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates

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 2022-12-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong

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 2022-12-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong

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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle {$70.00} to wrong person who now will not refund my money I contacted chase and they said it will need to be investigated before I can get a refund if any at all. The email address was off by two letters and the person who received the money will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-09 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: PA

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 U.S.C 1681 : XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early warning systems has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX my name is XXXX XXXX very proud to be XXXX XXXX and very proud to be XXXX  Dad I got custody of my kids I felt that bank of america is bias and discriminatory toward me I don't have students loan or mortgage loan due to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was financially struggling and since I being XXXX XXXX bank of america I only gave XXXX credit card of XXXX and I took the loan balance assist and I was late XXXX payments due to being sick with XXXX XXXX. I felt that the bank being bias and predijuce and is hard being approved or trying to get aplace to rent my score of XXXX which is not fair I

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