vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-21 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: IN

Complaint narrative:
Hi Experian said I am not allowed to dispute an address on my credit report because it was reported by XXXX XXXX and I need to go through them. I reported it to XXXX and they said that address doesn't appear on my account and they verified my address as XXXX XXXX XXXXXXXX XXXX Indiana XXXX. Yet XXXX XXXX XXXX XXXX Indiana XXXX still appears in my personal information on my credit report. I do not want this address or the people who reside there associated with me at all. This is/was my husband 's ( now ex-husband ) XXXX XXXX  address. I can see how it became associated with me because he was living there and had to change his address to there for his bills when we were still married. However, we are no longer married and there is no reason for that address to show up on anything of mine. She has very bad financial history with bankruptcies and bad credit, and I simply do not want anything about her appearing 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 non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Amazon I was solicited for a {$250.00} Gift Card and a XXXX % cash back credit card if eligible ( sponsored by Chase/AMAZON Prime Visa ) . I applied on XX/XX/XXXX with an income of almost {$300000.00} annually, rent of {$2500.00}. per month, no other debts, and a XXXX score of over XXXX. I was denied for the offer, got a ding on my credit, the denial confirmed my score at XXXX but claim my obligations are too high to my income. I calculate my debt to income ratio at XXXX  %. If I am not eligible for this card who is? I feel like this was a scam to get my information. I also noticed other complaints of the same nature, feeling like denial was not correct and this was some type of scam to get folks to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from TD Bank USA/Target C XXXX XX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX  XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-07-21 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: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2023-07-21 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: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I called Advanced Collection Bureau Inc to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXX On XX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First Investors Fin on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First investors Serv on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry

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 2023-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-21 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: MS

Complaint narrative:
m 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. 

Transunion : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, has violated my rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, 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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-21 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Contacted Allied Collection Services to settle debt for a specified amount. Also asked collector to mail all information pertaining to the debt that is wanting to be collected. I was told I would be receiving a response about the settlement in a few weeks. I waited a few months and haven't heard anything back. I then contacted the collection agency again to try to settle the debt and see why I haven't received any information pertaining to the debt. I was given the run around and still haven't came to an agreement to settle or received information about the debt.

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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT : XXXX MIDLAND CRED ( Original Creditor : XXXX XXXX  ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
During the period from XX/XX/XXXXXXXX  to XX/XX/XXXX, I engaged the services of Lexington Law Firm with the aim of improving my credit score and resolving credit-related issues. At the time, I was hopeful that their credit repair services would provide effective solutions and help me achieve my financial goals. 

I committed to a monthly payment of approximately {$120.00}, trusting that it would be a worthwhile investment in my financial future. However, as the months went by, I noticed that no significant improvements were made to my credit, and none of the credit issues were resolved. Despite my efforts to stay informed about the progress, my interactions with their customer support team were often unsatisfactory, as they provided minimal assistance and updates. 

In retrospect, I regretfully admit that my experience with Lexington Law Firm did not meet my expectations. As a result, I feel that I spent hundreds of dollars without receiving the level of service and results that were promised and expected. 

Considering the lack of tangible outcomes, I am seeking a full refund for the period of service from XX/XX/XXXXXXXX  to XX/XX/XXXX, during which I did not receive the credit repair services that I had initially signed up for. I believe a refund is a fair and appropriate resolution to compensate for the services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX- XXXX XXXX inquiry ( Trans union XXXX XXXX XXXX  ( Trans union ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXXXXXX  - XXXX  XXXX ( XXXX ) Blank XXXX XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( Trans union )  Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( Trans union ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXXXXXX  XXXX XXXX ( Trans union , XXXX ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX ( Trans union , XXXX XXXX XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX- XXXX XXXX inquiry ( XXXX XXXX XXXX XXXX- XXXX  ( XXXX XXXX  ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX- XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX  XXXX ( Equifax ) Blank XXXX- XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX ,  XXXX ) Please take this off my report its over 7 years old XX/XX/XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX Equifax ) these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation