vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously submitted multiple requests asking your company to reexamine the inquiries on my credit report that I believe are incorrect. Aren't you obligated to complete these investigations within 30 days of receiving such requests? I am aware of instances where companies have accessed credit reports without a permissible purpose, and I have yet to receive any verification from your company justifying these inquiries. I am listing the inquiries that require investigation once more : I have attempted to contact each of these companies, and most have no record of me. How could they have a valid business purpose to access my credit report if they do not even recognize who I am? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2024-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reached out to my bank on XX/XX/XXXX to inquire about a dispute that was taken out of my account in the amount of {$100.00}. I informed them that I was not sure why this was being taken out of my account and that I did not recognize the transfer that was originally made on XX/XX/XXXX until I investigated further and found out this was made unauthorized by another individual to themselves from my account. 

It is under my impression that under regulation E that unauthorized transactions are eligible for disputes even if they involve institutions such as XXXX I was repeatedly told that they could not assist me as I authorized my initial transaction even though Im explaining to them it was not authorized. 

After arguing with me and stating that they have been on the phone with me for 45 minutes and theres nothing more they can assist me with. I asked to speak with a supervisor. I was first told that they would not speak with me as they would be repeating themselves. After insisting they finally transfered me and said they could not assist me either and refused to file a claim for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
XXXX will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARINER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
XXXX will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1ST FRANKLIN FINANCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 non-monetary relief
Consumer complaint received 2024-08-30 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE 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 2024-08-30 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: MI

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX, XXXX, MI, XXXX, Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identifier : XXXX Date Filed : XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : {$30000.00},

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 2024-08-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX, XXXX, MI, XXXX, Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Identifier : XXXX Date Filed : XX/XX/2016, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX, XXXX  XXXX  XXXX XXXX XXXX : {$30000.00},

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 2024-08-30 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: NY

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 non-monetary relief
Consumer complaint received 2024-08-30 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:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$27.00} XXXX XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}

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 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please delete the above addresses and names from my report immediately.

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 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: WI

Complaint narrative:
I try to reach out to global lending service multiple times to even speak to some form of manger ... As much as I tried to pay ahead, I could never get a hold of somebody to pay towards a principal. If feel this is a predatory loan... adding up to what I paid and balance never moves. I also can't find match the XXXX XXXX  I gave XXXX XXXX as a deposit. They were the ones who set me up through Global lending service. I don't even get emails ( last on was XXXX XX/XX/2022 from this place except for one weird one stating account closed but yet I keep paying more and more! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MD

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 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
A collection was placed on my XXXX, XXXX and XXXX credit reports by a collection agency called XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX that states that they purchased a debt that I owe to CashNetUSA.com in the amount of {$260.00}. Supposedly this loan was initiated on XX/XX/2024. I have never opened an account or borrowed money from CashNetUSA. I have disputed this collection with all three credit bureaus as well as filed a complaint with the XXXX  against both CashNetUSA and XXXX XXXX XXXX. I have received XXXX communication from either party regarding this alleged debt and would not have been aware of the fraudulent collection had I not checked my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I tried making my payment using my debit card twice on avont.And it canceled both payments and never tried to charge my card. I then changed my payment method and now it is Not processing the payment until XXXX when it says on their page it will be the next business day. This is not the first time. They have an obligation to accept the payments tgey say they do. 
15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1666a - Regulation of credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
In XXXX of XXXX this debt was written off by sprint, they allowed someone to get a new phone on my account whom i did not know or have any association with. The XXXX company was in the middle of being bought out by another company and i spoke with them and this bill was written off because it was fraudulent. Now the collector Jefferson captial systems is claiming this debt was opened on XXXX to the credit bureaus and this is not true, this debt was written off and the original date for this debt was XXXX not XXXX it was written off by XXXX in XXXX. I do not owe this debt and would like it removed from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of the Portfolio Recovery account currently being reported on my credit file. I have noticed discrepancies and inaccuracies with this account that violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. **Inconsistent Reporting Across Bureaus** : The account in question is not being consistently reported across all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX The Fair Credit Reporting Act requires that all information provided by furnishers be accurate and consistent across all reporting agencies. The discrepancies in reporting dates, account balances, and payment history constitute violations of FCRA, specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. This inconsistency alone is grounds for the removal of this account from my credit report.

2. **Lack of Proper Verification** : When I requested verification of the debt as required by the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I was provided with a list of charges rather than documentation proving that I owe this account. Under 15 U.S. Code 1692g ( b ), the debt collector must provide the consumer with written verification of the debt, which includes a signed agreement or other proof tying the debt directly to me. A mere list of charges does not meet this requirement, and I have yet to receive the required " wet signature '' or legitimate documentation validating that this debt belongs to me. Therefore, this account must be deleted from my credit file. 

3. **Fraudulent Account Opening Date** : Furthermore, the Portfolio Recovery account is being reported as having been opened in XXXX. However, the list of charges provided by Portfolio Recovery shows transactions beginning in XXXX, indicating that this account was fraudulently opened. This discrepancy between the dates further supports that this account was not initiated by me and was opened under fraudulent circumstances. The Fair Credit Reporting Act prohibits the reporting of fraudulent information, and this should result in the immediate deletion of this account from my credit report. 

Please be advised that if this issue is not resolved promptly, I may take further action to protect my rights under federal and state laws. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information is being misused by the company per 15 U.S. Code 1681e my consumer report is not reflecting maximum possible accuracy. They are still reporting a debt that is no longer outstanding after I have informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation. They have failed to grant my request as a federally protected consumer. Now I am suffering from having inaccurate information reporting on my credit report and this is causing me financial hardship.

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