vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: SC

Complaint narrative:
In reviewing my report from Experian, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Experian automated service, however, I had no success by phone. The following inquiries are unauthorized : XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX Card ; Inquiry date XX/XX/XXXX and XXXX ) XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.

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 2023-01-03 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: GA

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 and 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 2023-01-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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 and 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name XXXX XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for 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 non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenitycapital bank opened XX/XX/2015 U.S Code 1681c-2a consumer Reporting agencies XXXXXXXX XXXX XXXX reporting of any. What information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later then XXXX business day after the date of receipt. It has been 30 days and you are in violation of these laws because I am a victim of identity XXXX  please delete these accounts as soon as possible ( comenity capillary bank ) this account should not be furnished. On my consumer reports as they are in violation under 15 US code 1681B-permission purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer report an agency XXXX furnish A consumer report under the following circumstance and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I never gave any consumer Report an agency written consent to report anything on my consumers report which violates my rights as a federal protected consumer.No consent is identity death as a consumer I am demanding the deletion of the account listed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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:
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 # 's # # # # # # XXXX and # # # # # # XXXX, have violated my rights. 

1

5 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.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I want my account closed but as requested on or before XX/XX/22 but they have refused to acknowledge my request.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CO

Complaint narrative:
Simple they have ahad a hold on my account since XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX XXXX XXXX  Please remove any and all other addresses reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX XXXX  XXXX. Please remove any and all other addresses reported.

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 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MN

Complaint narrative:
XXXX  I sent a verification letter to the company informing them that it wasnt my debt and received a bill statement. I asked for something showing it was my debt and never received anything instead the debt was re-aged on my credit report which is not correct or legal. This account should not and was not reopened

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 2023-01-03 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : XXXX XXXX XXXX : KIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

Im thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, 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 2023-01-03 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: GA

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 and 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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has tried to contact my mother and my daughter and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23

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 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal place my money on hold without my consent. Despite me havign an account for several years and transacting with a specific person many times over the years paypal froze my account. transaction number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, 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.

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 2023-01-03 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:
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. The following account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, 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.

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 2023-01-03 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: MA

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 and 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have never been to XXXX in my life and I have a {$250.00} collection that has been issued to me from a XXXX XXXXXXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I reached out to NCB concerning two payday loans that appears to be fraud in my name. I have asked for the Original wet signed contract, Payment history, The debtor original name and date the loan was taking out. I have attached the documents that was sent back to me through the mail. 

This debt is tied to a bank account that is not mines according to the documents that was sent back to me. I had a bank account with XXXX that was my deceased father 's Estate account only no personal bank account for me at this bank. 

NCB Management stated I owe now XXXX and XXXX to them through this checking on account that is not mines. 

Please note that letters that were sent have no debt balances on them. The balances I listed is from my credit reports I pulled recently. NCB has also updated the collections on my credit report as 150 days passed due damaging my credit even more. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX  XXXX XXXX. Please remove any and all other addresses reported.

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 2023-01-03 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: OH

Complaint narrative:
mailed my info and a copy of the unauthorized, incorrect and incomplete account ( s ) numbers and amount ( s ) stated on my credit report to all three major credit reporting agencies disputing the correctness, completeness and authorization of the account ( s ). I did get a response within thirty ( 30 ) days. They stated they could not find my account ( s ) and therefore could do nothing about the disputes. i rechecked my credit reports from all three credit reporting agencies and nothing has been changed. i have gone back again and started more disputes online again. The information on my credit reports are inaccurate, incomplete and as well as unauthorized. The companies reporting the information on my credit reports to the credit reporting agencies i have NEVER done business with and DO NOT have my authorization for anything! The information that is being reported is incorrect! I want the unauthorized, incomplete and inaccuracies removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
I

n accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy. 15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account 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