vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed there are a couple hard inquiries from a loan institution. I have never applied for a loan but my credit report reflects that I have multiple times. I reached out to the company and they told me to contact the credit bureau and file for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the to ignore the law is going on six ( 6 ) months. TransUnion on going of reporting illegal information of a Bankruptcy on my TransUnion Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). TransUnion has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). TransUnion is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. TransUnion has ignored and disregarded my dispute of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting. 

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.

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 2023-11-04 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: NY

Complaint narrative:
Im begging you please remove this to the 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my experian and clarity by experian providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.

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 2023-11-04 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: PA

Complaint narrative:
XXXX XXXX Last four of XXXX XXXX XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: CMG Financial Services, Inc.
State: WA

Complaint narrative:
On XX/XX/2023 I mailed a notice to CMG MORTGAGE INCXXXX dba CMG FINANCIAL ( herein " CMG '' ) a notice stating they were in violation of the FCRA, per, 15 USC 1681a 2 ( A ) ( i ), the term credit report does not include ..... Transactions or experiences between the consumer ( myself ) and the person making the report ( CMG ). THE LAW CLEARLY STATES : Transactions or experiences between consumer and the person making the report is NOT INCLUDED in consumer credit report. After their non-response I sent an notice of an Opportunity to cure to delete the late payment on XX/XX/2023. They received it XX/XX/2023. I then received their XXXX response on XX/XX/2023 stating that it was in review and research... .. Because of CMG unreasonable response, I then sent a Notice of Fault of Teir violations and how this has damage me and my family mentally and psychologically on XX/XX/2023. Furthermore, that this is hurting my family and I a opportunity to buy an investment property at a decent rate due to Their violations. 
then on XX/XX/2023 I received CMG last response stating that were bound by contract, in which I did not understand so i sent ( XX/XX/2023 ) CMG a XXXX response to my demands with a list of all their violations, so be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX XXXX  I received a Chase business card in the mail and a copy of a cancelled check for over {$43000.00}. I automatically contacted the bank because I don't bank or own any business accounts with Chase. Just to be clear, I don't have any business banking accounts. The bank refused to close the accounts until I provided proof of my identity which included social security number, date of birth, full name, address, and the name of my employer. I found this interesting because this information was not provided when someone opened the accounts. 

I explained what was going on and ask for further information and was told to mail in a copy of my ss card, and photo ID to a XXXX XXXX XXXX. From XXXX XXXX XXXX until XXXX XXXX XXXX there has been XXXX fradulent accounts opened with Chase bank under my name. There has been no bank inquiries on none of my credit reports for business accounts. One of the accounts was opened in a brach in which they refuse to provide the information Chase refuses to provide any evidence for me to file a police report until after they have completed their investigation. After speaking with branch employee in person, I was informed this has been a frequent occurrence with Chase online accounts due to lack of security measures. I will be seeking assistance of an attorney, due to the negligence of Chase bank and the number of accounts the person was able to open after flagging the initial account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Exeter Finance, LLC.
State: CO

Complaint narrative:
I had previously filed a complaint with CFPB in regards to Exeter finance. Exeter. Responded to CFPB that they would remove a late payment reported to the credit bureaus.. I have had to file another dispute because my credit report was updated, however, Exeter responded to the dispute again on XX/XX/XXXX XXXX while they did report the account as being paid off, they did not remove the XXXX late payment as agreed and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
HI, This is very simple yet very frustrating. I have a XXXX XXXXXXXX XXXX credit card that has a XXXX XXXX program. I redeemed exactly XXXX points for an accessory. The accessory came and my son didn't want it so I returned it to Ford. The product wasn't opened or used. Ford took the return. That took awhile to process but they did. Even though all the disclosures say your points will be returned, it appears they are not knowledgeable in how to do this. I had two long calls with Ford XXXX about this and with a lot of apologies to me but it's incredible I can't get my XXXX points back. These points were earned from the XXXX XXXX card. I just want my points back. Nothing more, nothing less. I returned the product back in XXXX. It's XXXX and the points have not been returned. It's very scary as a consumer. Do they just yes you and tell you there are delays so you give up? I don't want to give up. I returned the unopened product months ago. Why has the points balance not been upgraded? Why do they tell you they can return your points, but you never get them. XXXX  points are a XXXX XXXX. It's like currency. Very disappointed. It's now more about the principle than anything else. 

My XXXX XXXX card ends in XXXX I hate putting my full card number online. Also, when I submitted this it says XXXX XXXX That's my deceased father. Years ago I put a complaint in for him on his behalf. I guess my email is tied to that. My name is XXXX XXXX. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: PA

Complaint narrative:
XXXX XXXX Last four of XXXX XXXX XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Caine and weiner illegally bought my information from progressive insurance company without my consent violating my privacy laws and consistently contacting me for purposes of collecting a debt illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MD

Complaint narrative:
I have made several attempts to submit payments to EdFinancial in order to meet the deadline. However, each time I tried, the payments were inexplicably reversed by EdFinancial, resulting in additional fees imposed on me. Here is a record of the payment attempts : XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) Despite my efforts, all of these payments were reversed, and I was notified by the company that I am liable for fees associated with these reversals. When I contacted EdFinancial on XX/XX/XXXX seeking assistance, the representative suggested that my bank might be responsible for restricting the transactions. However, beyond this observation, the representative offered no further solutions. They also requested that I verify my account number and routing number to ensure their accuracy. 

After confirming the details with the EdFinancial representative, I promptly contacted my bank to ascertain if any restrictions were placed on my account. As I suspected, the bank representative confirmed that EdFinancial made no attempts to collect the payments and that my account holds sufficient funds. In fact, my bank provided me with a written confirmation affirming the adequacy of funds in my account. 

The situation remains unresolved despite my repeated efforts, and it's causing unnecessary inconvenience and additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TX

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress 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 explanation
Consumer complaint received 2023-11-04 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: CO

Complaint narrative:
I have filed multiple disputes with experian, even as recently as XX/XX/2023. I have tried multiple times to have my account updated in regards to XXXX finance. A XX/XX/2023 late payment that was to be removed is still reflecting on experians website. Between XXXX and Experian the leep reporting the information is correct even though it is not an Experian has verified through the CFPB website the late payment with XXXX was to be removed.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my XXXX and clarity by XXXX providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.

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 2023-11-04 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: NC

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. 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 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.

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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