vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Initially, I had received an official email from XXXXXXXX XXXX on XX/XX/year> that an application had been submitted for credit in my name. Immediately, I responded back indicating that I had not applied for credit. Additionally, I noticed that my XXXX Score was lower than usual. In obtaining a credit report on XX/XX/XXXX, I noticed a new account had been opened XX/XX/year> from Barclays Bank Delaware. Without my knowledge, a Jet Blue World Elite card, with a total credit line of {$19000.00} had been opened. I immediately contacted the company to notify them that I did not apply for the credit card. Eventually, I was connected to their fraud department. I was informed that an investigation would be conducted. Also, that I would not be held responsible for the {$7000.00} purchase made on the card. I was also, informed that a followup letter would be mailed, verifying the closure of the fraudulent account. To date, I have not received any correspondence from the company. Understandably, I am upset that a credit line of {$19000.00} could be established without proper verification to begin with. Furthermore, I have spent countless hours in an effort to avoid further fraud, and/or misuse of my identity. At a minimum, due to their negligence I am paying a monthly fee of approximately {$25.00} for added credit card monitoring. An expense that should be offered to me free of charge by the credit card company responsible for opening this account to begin with.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus for their failure to comply with the removal of unauthorized inquiries from my credit report. Despite repeated requests, these inquiries, which were made without permissible purpose, remain on my report, adversely impacting my creditworthiness. These companies had no legitimate reason to access my credit information, yet their unauthorized actions continue to affect my financial standing. Such non-compliance with the Fair Credit Reporting Act ( FCRA ) undermines my rights as a consumer and can have severe consequences on my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft, Im here today corresponding to you guys on the situation at hand. 

I was robbed about 7 years ago they snatch my purse with all my sensitive information inside. Until the day the criminal has yet to be caught. 

Please help me these arent my accounts I have no knowledge or no connection of the said accounts. They even got an eviction in my name in North Dakota

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), XXXX, Transunion and XXXX are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from XXXX ; XXXX that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), XXXX, XXXX and Equifax are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from XXXX ; XXXX that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : CREDIT MANAGEMENT COMPANY XXXX {$2100.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor-XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received an email from your court, District Court of New Jersey on XX/XX/XXXX of XXXX regarding the closed/terminated case, XXXX XXXX TransUnion, LLC. As far as I remember, the case was terminated on XX/XX/XXXX by your side without any notice to the person, XXXX XXXX, who was asked to file by the court and filed with required fee of {$400.00}. Since the case was terminated by the court on XX/XX/XXXX, I consider the letter, which I had sent after it, should not be included due to the termination of the case itself. There was a question why the docket text on XX/XX/XXXX said the civil case was terminated. As far as I understand there are XXXX court varieties in the XXXX countries, those are civil case and criminal case. Since the docket said civil case was closed, it must mean the criminal case was on. Since the case should relate with TransUnion, the TransUnion should have committed some criminal activities against XXXX XXXX. From my knowledge and experience, I had many hackings, illegal usage of my credit cards by the third person/parties, illegal data breach and falsification by several American credit companies including TransUnion, XXXX movements on my dental and other insurance companies, and other things. Therefore, in this case, the TransUnion should have committed some illegal data breach and falsification on my personal information which resulted into identity theft along with the XXXX, which admitted the data breach and identity theft of mine. It might mean XXXX might have ended up criminal charge ; therefore, it might have started data breach settlement for me to avoid the criminal case relating with XXXX. Even though I have written as above, your court has not expressed anything on my case ; therefore, it is not clear. Anyway, since the case is closed and must be meant a criminal case, which might mean beyond your jurisdiction, I request the refund of fee of {$400.00}, which was paid for your service. I need to remind that the documents filled by me was sent by the court ; therefore, I can ask the refund and the court has the responsibility to refund. 
Sincerely,

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main Financial XXXX XXXX. 
I never applied for credit with this company. Nor did I give them written consent to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW financial services reported that Im more than 30 days late when Ive never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received an email on XX/XX/year> that stated " Thanks for applying for a Chase Credit card. We are reviewing your application for a XXXX XXXX Credit Card and will be in touch soon ''. I called Chase and told them that I never applied for a credit card. They cancelled the application and directed me over to the Fraud Department. There is a lock on my XXXX Credit Report so XXXX was used instead. I was told that they will remove the " hard pull '' from my credit report. I, then, called XXXX and explained the situation and asked that they put a lock on my credit report which they did and also stated that they would remove the " hard pull '' from my credit report.. They then told me that they would and informed me to file a claim on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )

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 2024-06-07 00:00:00
Product: Credit reporting 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:
I've recently received a copy of my credit report and noticed they have unauthorized and inaccurate information on my credit report. These remarks have been detrimental to my credit health

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
I am a victim of identity theft, Im here today corresponding to you guys on the situation at hand.

I was robbed about 7 years ago they snatch my purse with all my sensitive information inside. Until the day the criminal has yet to be caught. 

Please help me these arent my accounts I have no knowledge or no connection of the said accounts. They even got an eviction in my name in North Dakota

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am an existing Comenity Capital Bank credit card holder. I applied for a credit limit increase in XX/XX/year>2024 not being made aware that the request would result in a HARD PULL on my credit file. There was no additional step to consent to a hard pull, nor was there any fine print suggesting a hard pull on my credit would be made. In fact, in the recent past, online credit limit increase requests for Comenity cards were always SOFT PULLS. Again, I did not check an additional box consenting to a hard pull on my credit file, and no such box offering consent is present on the Credit Limit increase page. I want this inquiry removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I needed to speak with someone to confirm the phone number on my fraud alert due to a creditor stating that the number was missing or invalid when they performed an inquiry. I was able to call XXXX and XXXX to confirm the number. The Experian automated phone system makes it next to impossible to speak to someone. No matter what entries I provided, it could not get to a live person. After trying for about XXXX minutes, I was finally successful only when I entered that I was having a billing problem with my membership. Their website is 95 % marketing for their paid services. They should be available to the consumers whose data they are tracking and accumulating. It should not be that difficulty to speak to someone.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.

Company response to consumer: Closed with explanation