vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus continue to report inaccurate information on my consumer report even after I told them the information was unauthorized and let them know i was a victim of identify theft. I have complained to the creditors regarding this matter as well and they informed they let the bureaus know that the inquires on my consumer report are unauthorized but the bureaus assert that they are verified. How can the bureaus verify something that has been deemed unauthorized. I do not believe a through investigation was done. These unauthorized inquires are stopping me from obtaining credit in my name and destroying my reputation as a consumer. 

15 U.S. Code 1681 b - Permissible purposes of consumer reports ( A ) In General Subject to subsection ( c ), any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In my first letter to your company, I advised you that I did not give these companies authorization to pull my credit report, but yet you have verified it. How is it possible for you to verify something that I did not approve? Did you call them up and asked if I gave them permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
Equifax did not conduct a thorough investigation of the account XXXX XXXX that is listed on my credit report. I have requested several times for Equifax to provide the evidence including documentation and who they spoke to about this account to determine that it is valid and reporting correctly, but they failed to respond. I have also sent 2 letters requesting validation of debt to XXXX XXXX since XX/XX/2021 and they failed to respond. This is a violation of my rights. Please see attached for the 2 letters sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I traded in my XXXX XXXX XXXX for a XXXX XXXX. The amount of the purchase was XXXX and purchasing time took six ( 6 ) hours. 

But unbeknownst to me, the finance director had contacted several finance companies for financing and they all pulled hard copies of my credit report. The dealership ( sales rep or finance director ) didn't even inform me of what was taking place. I've heard of finance companies pulling soft copies of consumer 's report but not hard copies. This action by the dealership caused my credit score to drop approximately 15-20 points. I can't believe that they would be so desperate for a sale that they would bring down a customer knowing that it would negatively affect one 's credit. After leaving the dealership, I received several notifications from my credit monitoring company informing me of changes to my credit information. I logged into my account with XXXX  XXXX  and noticed that I had inquiries from the following banks, i.e., XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. These inquiries are damaging my credit report and I would like to have them removed. 

After finding out what had taken place and how the dealership went about making the sale, I was not happy with my purchase. I will not purchase a car from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: GA

Complaint narrative:
The credit bureaus continue to report inaccurate information on my consumer report even after I told them the information was unauthorized and let them know i was a victim of identify theft. I have complained to the creditors regarding this matter as well and they informed they let the bureaus know that the inquires on my consumer report are unauthorized but the bureaus assert that they are verified. How can the bureaus verify something that has been deemed unauthorized. I do not believe a through investigation was done. These unauthorized inquires are stopping me from obtaining credit in my name and destroying my reputation as a consumer. 

15 U.S. Code 1681 b - Permissible purposes of consumer reports ( A ) In General Subject to subsection ( c ), any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In my first letter to your company, I advised you that I did not give these companies authorization to pull my credit report, but yet you have verified it. How is it possible for you to verify something that I did not approve? Did you call them up and asked if I gave them permission?

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 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I can not file a dispute online but I want to file a dispute for the following. First I like to have the following addresses removed from credit report. XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX PA XXXX. I would like to also dispute the following items as fraudulent items. XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and a collection account XXXX XXXX XXXX. I have attached with this complaint an Identity Theft Report XXXX. Please review

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 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted the XXXX XXXX on XX/XX/XXXX regarding a collections amount of {$2800.00} that has been on my credit report since XX/XX/XXXX. They agreed to contact the collections agency ( it has been under XXXX XXXX XXXX ) and have it deleted. I contacted Experian the next day and disputed the collections item with a copy of the email sent by the hospital. They have yet to remove the item and have said they will not remove it and will not give me an explanation as to why. 
Ive worked very hard on my credit the past year, and this is the last piece of the puzzle that is holding be back from going above 700 credit score. I plan on moving in XXXX and need this negative mark removed ASAP so I am able to rent an apartment.

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 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted Transunion and XXXX  trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .Transunion and XXXX  have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now

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 2021-08-16 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: PA

Complaint narrative:
XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted XXXX  and Experian trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .XXXX  and Experian have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now

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 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/21 an individual created two ( 2 ) American Express Company ACH withdrawals in the amount of {$5000.00} and {$15000.00} using my XXXX XXXX routing number and bank account number and made payment though this arrangement to XXXX XXXX XXXX. Neither entity, American Express Company, XXXX XXXX and XXXX XXXX are accepting responsibility or culpability for their role in this fraudulent scheme..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Other I.C. SYSTEM, INC 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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
What the XXXX is wrong with you people? I sent you a letter requesting to fix your errors on XX/XX/2021 but its been over 2 months now and still got no reponse. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is utter negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2021-08-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
What the XXXX is wrong with you people? I sent you a letter requesting to fix your errors on XX/XX/2021 but its been over 2 months now and still got no reponse. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is utter negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I physically deposited first paycheck from a new employer into a Chase drive-thru ATM in XXXX, CO on Tuesday, XX/XX/2021. The ATM printed a receipt stating that 100 % of my funds would be available after a 2 day hold, on Thursday XX/XX/2021. However, the hold is still active and I do not have access to my funds, and I'm getting service interruption notifications on various accounts ( home utilities, cell phone, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a XXXX  customer. On XX/XX/2021, I was informed of a wide-spread security breach at XXXX on XXXX 's website. This breach affects XXXX XXXX customers and includes personally identifiable information such as social security numbers, credit card numbers and home addresses. I am trying to protect my credit by freezing my credit. However, due to technical glitches with Experian 's website and telephone systems, I was unable to place the freeze immediately on XX/XX/2021. Experian is asking that I mail information to their office in XXXX, Texas. Given the fact that criminals sell security numbers and other confidential information on the dark web for bitcoin quickly, I could become a victim before the items are received by Experian by mail and Experian 's processing times could be 30 days or longer. I want Experian to freeze my credit immediately to prevent identity theft.

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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I applied for a chase card the is named United Explorer Mileage plus We did this as to get through to the baggage section on United website and be able to continue because it was t letting us go any further until we filled out the application di we did and we were approved for the card and {$5000.00} credit limit. Now we have had this card about a month and when my wife was shopping she went to use card for the transaction and was denied which shouldnt have been then we receive an alert regarding g is this your purchase and we stated yes. This was from fraud department now mind you we had not received any notices or anything regarding our account. Then we log in to the app. For Chase and it says account closed. Now I speak to them today and they say after a deeper review of our credit that they decided to close account. I feel this is extremely tacky. Chase should not be allowed to do this after we have had cards for almost a month now they close it after we used it I have never had to deal with creditors like this they use and angle to XXXX you on then after a month they close your account this is XXXX percent wrk g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CA

Complaint narrative:
I have disputed an address on my credit report on more than one occasion and the address is still reporting on my credit report. On or around XX/XX/2021 I sent another request along with a Sworn Statement ( JURAT ) with a seal that states this is not my address and Experian ignored this request as well. They also did not provide any information that I requested to substantiate ignoring my previous and current request. I believe my Sworn Statement ( JURAT ) that can be held up in Federal Court is more than proof this is not and never has been my address. Experian received my last request on XX/XX/2021 at XXXX XXXX. I am not sure why, but I believe that Experian is biased towards me as they often ignore my disputes. XXXX XXXX is in charge of my account at Experian.

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 2021-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
on XX/XX/2021, I applied for a 48-month loan for {$2000.00} and an estimated monthly payment of {$73.00} as advertised on XXXX. Additionally, I uploaded the required documentation ( copy of my earnings statement, social security benefit verification ) as proof of income. I received an email congratulating me on the approval of the loan and confirming receipt of the requested documentation. On XX/XX/2021 at XXXX XXXX  XXXX ( Onemain Financial ) called to review my loan application to finalize the loan request. Our call was lost. I called back and another agent answered and stated he was attending another customer and that he would give XXXX the message to call me. I did not receive a call so I called at XXXXXXXX XXXX. to speak to XXXX. He answered and said he would call me back in 10 or 15 minutes because he was helping a customer. XXXX called me back at XXXXXXXX XXXX he began reviewing my application with me and indicated that I was approved for {$9200.00} unsecured and {$13000.00} secured. I told him I wish to stick with the {$2000.00} loan request. At that point, his conversation changed with me. He showed a lack of wanting to continue working with me because I did not want the additional money. He was curt and unprofessional, so I withdrew my application, and he could not be happier with my decision. These are not ethical and good lending practices. My loan request was turned down because I did not want the additional money at their high-interest rate.

Company response to consumer: Closed with explanation