vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hello. 

my credit report looks very suspicious there is hard inquries and wrong balance showing on the report so im not able to do anything with it i tried to despute with company im not getting any result i have not had a car in 8 years i see hard inquries on my report I never had XXXX phone but it shows i owe them money and couple of credit card in my name that i haven't had in atlest 8 or 9 years so please help me take care of this problems thank you

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I got an email alert from my bank saying that there is a change on my Experian credit report. a lender reported that I opened a new account with them. I call the company name XXXX  and the said they cant see any line of credit open and I should call Experian which I did. I call them and they saw the open account name XXXX  XXXX they told me to file a police report and also go to FTC. Org to file a report. I went ahead and file the report the same day. 

On XX/XX/XXXX I saw an alert from my bank saying there is charge on my debit card in the amount of {$140.00} on XXXX XXXX. I immediately call my bank and cancel that charge. They went ahead and blocked my debit card and told me that they will have to cancel my card and issue another one which they did am still waiting on the new card. 

Am a victim of fraud and someone have my information and using it to open a credit card and trying to charge my debit card. I don't know what to do cos am scared and I need help.

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 2023-08-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in 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
Consumer complaint received 2023-08-09 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: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Inquiry 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 RE : You Violated The United States Code Law 15 U.S. Code XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : 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 2023-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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.

has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CT

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against Santander. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with Santander, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from Santander on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had an XXXX charge from XXXX for {$4500.00} to stay somewhere during the month of XXXX. At the end of XXXX, travel restrictions were imposed regarding my XXXX XXXX, as I am XXXX and am in the XXXX on XXXX XXXX. Due to the restrictions, I had to change plans and leave the XXXX for the last XXXX weeks of XXXX. I was prohibited from staying in the XXXX until I completed an additional accrual process for my visa. 
Under XXXX 's extenuating circumstances policy, my situation is eligible for a refund. As XXXX would not respond to my attempts to ask them for this refund, I initiated a dispute with Amex for the amount of {$2100.00} Amex originally approved my dispute for the amount of {$1000.00} on XX/XX/XXXX. However, I then accidentally re-opened the claim so that the full amount of {$2100.00} could be disputed. On XX/XX/XXXX, Amex closed the claim without resolving. This is particularly troublesome as Amex had previously approved the claim, and then they closed it after I reopened it for the correct amount. 
Currently, I have forfeited the {$4500.00}. I am requested that Amex resolve the dispute so that I can recover {$2100.00}. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I went to purchase a car at XXXX XXXX XXXX Texas under my companys name. I asked them specifically if XXXX XXXX was going to report the lease to my personal credit report they told me NO. The Financial Manager stated he call Mazda Financial Services and they confirm that with me as a Personal Guarantor.it would not show on my credit. I Lease this car in my business name and with me as the personal Guarantor. I got to the finance office and the Finance ManageXXXX XXXX tried to get over on me. I told him that I didnt want certain products and when I went to sign the paperwork everything I said I didnt want was in the paperwork. If I didnt catch that he wouldve added things in leases that I didnt even want. Now he has to reprint all the paperwork and Im in the office for two hours. It took XXXX a month to submit the final paperwork to the bank and my temporary plates exited because he took so long. I got pulled over by the cops for expire tags on my car because of XXXX negligence. On top of that he was asking me questions about signing business paperwork and stated he didnt know too much about it because he doesnt do business deals often. First of all you are a Financial Manager, why are you asking the client for help and knowledge about sign paperwork? Now this lease is showing on my credit report and XXXX cant close on my house because I was specifically told this car will not be reported to my personal credit report. This account shouldnt be reported to my personal report based off the information i was given. XXXX XXXX should not be reporting this car on my personal credit. On my personal credit report it shows as individual. This should not be on my credit report because this car is in my business name. Dealing with XXXX XXXX and The dealership has to be the worse experience I have ever had. They are definitely fraud. I will stick with luxury banks and dealerships only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in 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 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