vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
Upon reviewing my credit report, I've noticed unfamiliar entries that suggest my identity may have been compromised, as I did not authorize these accounts. I've previously addressed this issue, and I am now urgently requesting the removal of these accounts from my report. Their presence is causing me significant stress as they inaccurately reflect my credit history and financial behavior. Dealing with this situation has been challenging. If a resolution can not be reached, I am prepared to take legal action to safeguard my rights and seek a remedy. These erroneous entries are posing a major obstacle for me, hindering my ability to achieve important financial milestones such as purchasing a home and providing for my family. I sincerely hope for a swift resolution to 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 explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.\ and list of Inquiries. 

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 2024-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2024-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: WI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}

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 2024-04-26 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: WI

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: Global Lending Services LLC
State: IL

Complaint narrative:
As of early XXXX, I noticed on my credit report with XXXX Credit bureau, multiple Hard inquiries for auto loans that I did not give authorization nor permissible purpose. I wrote a letter as well as sent a copy front and back of my drivers License as well as Social security card to XXXX Credit Bureau certified mail starting as early as XX/XX/XXXX. During this investigation I was told my SS # was not eligible. After sending in new copies I was told. That I needed a FTC or Police report. I followed up with all new docs. Cover letter, New copies of ID as well with FTC report. This now by XX/XX/24. After following up on the investigation. I was told my FTC report was not accurate and needs to be revised but was not explained how to their standards. ( I have attached all Revised FTC reports sent to XXXX fraud department. ) Once revised, I was told that my SS # was not eligible. Each time I call to follow up I am told something different from each representative as well as manager. After explaining my frustration with constantly being told something different why the hard inquiries not being removed due to being told something different by each rep to follow the appropriate. 
Instruction on what they need due to mailing docs constantly costing me to mail docs certified mail each time. I was advised to join XXXX membership and upload docs and the process will move smoother and faster to remove the hard injuries. I joined XXXX membership {$19.00} a month. To be told by managers thats not accurate and all docs has to be mailed. 
When it comes to hard injuries all docs have to be mailed. I explained after speaking with several managers that I am being advised different information each time I call and all I get is sorry sir. I have updated my FTC report XXXX times now and has sent certified mail at least XXXX times in the past XXXX months and no results with removing the hard inquires. Not only did I send the same repots to XXXX but to XXXX XXXX and XXXX and the hard inquiries requested to be removed has by the other following bureaus. I am constantly getting the run around with XXXX and getting different instruction each time I call to resolve this issue. I have attached all supporting docs with ID copies sent, FTC reports, as well as SS # with XXXX receipts of proof mailing the required documents with cover letter. I have even been questioned how and what site I filed my FTC report which is Identitytheft.gov to be told its still not valid. This agency has not worked with me at all as the consumer regarding the Inquires I did not Authorize after providing the appropriate documentation. All docs and receipts has been uploaded as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CORELOGIC INC
State: IL

Complaint narrative:
As of early XXXX, I noticed on my credit report with XXXX Credit bureau, multiple Hard inquiries for auto loans that I did not give authorization nor permissible purpose. I wrote a letter as well as sent a copy front and back of my drivers License as well as Social security card to XXXX Credit Bureau certified mail starting as early as XX/XX/XXXX. During this investigation I was told my SS # was not eligible. After sending in new copies I was told. That I needed a FTC or Police report. I followed up with all new docs. Cover letter, New copies of ID as well with FTC report. This now by XX/XX/24. After following up on the investigation. I was told my FTC report was not accurate and needs to be revised but was not explained how to their standards. ( I have attached all Revised FTC reports sent to XXXX fraud department. ) Once revised, I was told that my SS # was not eligible. Each time I call to follow up I am told something different from each representative as well as manager. After explaining my frustration with constantly being told something different why the hard inquiries not being removed due to being told something different by each rep to follow the appropriate. 
Instruction on what they need due to mailing docs constantly costing me to mail docs certified mail each time. I was advised to join XXXX membership and upload docs and the process will move smoother and faster to remove the hard injuries. I joined XXXX membership {$19.00} a month. To be told by managers thats not accurate and all docs has to be mailed. 
When it comes to hard injuries all docs have to be mailed. I explained after speaking with several managers that I am being advised different information each time I call and all I get is sorry sir. I have updated my FTC report XXXX times now and has sent certified mail at least XXXX times in the past XXXX months and no results with removing the hard inquires. Not only did I send the same repots to XXXX but to XXXX XXXX and XXXX and the hard inquiries requested to be removed has by the other following bureaus. I am constantly getting the run around with XXXX and getting different instruction each time I call to resolve this issue. I have attached all supporting docs with ID copies sent, FTC reports, as well as SS # with XXXX receipts of proof mailing the required documents with cover letter. I have even been questioned how and what site I filed my FTC report which is Identitytheft.gov to be told its still not valid. This agency has not worked with me at all as the consumer regarding the Inquires I did not Authorize after providing the appropriate documentation. All docs and receipts has been uploaded as well.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
in XXXX My Chase Freedom Credit card was compromised and some unauthorized purchases were made. I contacted the company immediately disputing these transactions to no avail. I then filed a complaint with the XXXX and someone from Chase contacted me assuring me that i would not be liable for those charges. However, as of today XX/XX/XXXX the transactions are still showing on my credit card. How can Chase market a XXXX liability campaign and not honor it themselves? This hurts the little people with no voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I have followed all proper procedures in disputing this account. I have contacted the bank, and they confirmed the matter is resolved. I have also contacted law enforcement and filed a report and affidavit, which they have deemed valid. Additionally, I have contacted the credit reporting agencies, and both XXXX and XXXX have removed the account as required by law. However, Experian seems to believe I have not followed all necessary steps, which is puzzling to me. Despite submitting my claim to Experian for over XXXX months, they continue to reject it, stating that my documents are invalid. This is the XXXX complaint I have filed against them, and each time, I receive the same unhelpful response. I believe Experian is failing to meet their legal requirement to process the identity theft report. I have also reported the identity theft to a law enforcement agency and Identitytheft.gov, a federal law enforcement agency, and I request a thorough review of this case by the Consumer Financial Protection Bureau. Dealing with this identity theft and the resulting lack of access to my credit is causing significant emotional and physical distress, affecting both my work and personal life. 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX XX/XX/year> CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of XXXX Dear CAINE & WEINER XXXX I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account referenced above. I believe there are inaccuracies that need to be addressed. 

Licensing Requirement : According to federal regulations ( 12 CFR 1006.34 ( b ) ( 5 ) ), a collection agency must be properly licensed to collect debts. As of now, there is no evidence that the collection agency possesses the necessary license. 
Validation Information : The collection agency has failed to provide validation information as required by law ( 12 CFR 1006.34 ( 4 ) ( I ) ). Despite this, they have placed a collection entry on my consumer report. 
Consumer Rights Violation : The collection agencys actions may violate my consumer rights. Their use of false, misleading, misrepresentation, and deceptive means is unacceptable. 
Disclosure Violation : The collection agency has furnished information to consumer reporting agencies without providing the required disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ). 
Disputing Debts : In this dispute letter, I am asserting that I dispute owing any and all debts to the collection agency. 
Communication Rights Revocation : I hereby revoke any authorization for the collection agency to communicate with me via email, text, or phone calls. 
Debt Validation Request : I request that the collection agency provide validation of the debt, including details of the original creditor and the alleged amount owed. 
Purchase Agreement : I also request a copy of the purchase agreement between the collection agency and the original creditor. 
Proof of Licensing and Bonding : Please furnish proof that the collection agency is duly licensed and bonded as required by law. 
Thank you for your attention to this matter. I expect a thorough investigation and prompt resolution. Please provide written confirmation once the inaccuracies are corrected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio recovery has had a bank garnishment since last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-26 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: TX

Complaint narrative:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There was a hard inquiry made in my on my XXXX credit report for a JCPenney credit card. This was not me. This is fraud

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I found multiple fraudulent accounts on my credit and they are reporting to my the credit bureaus and hurting me and families future financial journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NY

Complaint narrative:
Unauthorize hard inquiries, and request on multiple different loan amounts. ranging from XXXX XXXX XXXX and 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 2024-04-26 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:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Private information sent to a friends address. There is no reason at all for my personal mail to be sent to someone elses address just to get in contact with me especially a debt collector. Thats illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation