vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2024-04-02 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 item and update them immediately in my report : 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 2024-04-02 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: 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. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a 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 2024-04-02 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: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
My name is XXXX XXXX. I tried disputing an inaccuracy on my XXXX credit report, from a company : ACIMA DIGITAL FKA SIMP, multiple times, to no avail. I've never heard of this company, it's a fraudulent account which I expressed to them in XXXX and XXXX. Yet, rather than doing a thorough investigation, removing this incorrect information from my credit report, it remained on my report, which is a violation of the Fair Credit Reporting Act Sections ; 623/611. My credit file shows this account was opened on XX/XX/XXXX, with a balance of {$3100.00}, and updated on XX/XX/XXXX. 

In each of my disputes l 've asked them to provide proof that this is my account, which they never responded. Their only response was updating the status of this account on my XXXX credit report to a closed Charge-Off. This is false reporting, which is a violation of the Fair Credit Reporting Act Sections : 611 also 623. Due to this falsely remaining on my XXXX credit report, years ago, I included a statement on my credit report that I have no knowledge of this account. 

I'm once again asking that Acima provide feedback and proof of a thorough investigation regarding this matter, removing this fraudulent information from my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
XXXX XXXX mandates the removal of any erroneous accounts from my credit report. Would you mind examining the documents? Several of the listed accounts display inaccuracies in reporting, with incorrect amounts and dates.

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 2024-04-02 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: FL

Complaint narrative:
My identity was stolen sometime in XX/XX/year>. It was then used to purchase 3 vehicles as well as multiple attempts to open credit cards. I submitted documentation to these loan companies and 2 of them dropped the loan and corrected my credit. I contacted Global Lending Services and provided the documents requested to dispute this loan in XX/XX/year>. Today the company claims it's still under investigation. This has negatively affected my credit since then. I have contacted them weekly to see if they need additional information and the response is always no. I need this resolved immediately. I am willing to provide any additional information needed to support the investigation. I have filled a police report with my local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. GM FINANCIAL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Requested original contract with my hand written signature to verify accuracy of account which I have never received. They still havent sent over hand written signature on original contract. Reason XXXX requesting to have this account deleted from my XXXX, XXXX and XXXX credit profiles immediately and indefinitely. I have no knowledge of this Account this account was opened fraudulently so please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CT

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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 2024-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
They stole the money from my US bank debit card on XX/XX/2024 I made the claim, I received some documents from them on XX/XX/2024 and I sent them via fax and they received them on XX/XX/2024 but That same day I received a letter informing me that they denied the claim. I called to ask and they told me that by mistake they sent that letter but that it is still under investigation, in XXXX I called and they said that it was still under investigation but today I called and they told me that the case was closed in XX/XX/2024.

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 2024-04-02 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: NJ

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 non-monetary relief
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
According to XXXX  XXXX, it's imperative to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Some of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX XXXX Credit Acceptance made a fraudulent consumer report using my personal information without my consent, to the consumer reporting agencies ( Bureaus ).

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 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Auto insurance - XXXX XXXX i had cancel my insurance and had my autopay to pay the amount that was due .I received an email saying that soon will charge my card on file.Which supposedly few months after was charge by XXXX XXXX collection services without my consent. I was not aware of my account sent by collection XX/XX/XXXX which i noticed it about in XX/XX/XXXX by checking my credit which it appear was sent.I call XXXX XXXX they sent back and forth with collection services in a phone call.The collection services told me the account was open and if i didnt call the account would remain open.They procced to closed the account on file which they already charged back on XXXX with out my permission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2024-04-02 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: IN

Complaint narrative:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX If you are a JPMorgan Chase customer be aware!!!!!! I was a victim of a non-authorized wire transfer within my JP Morgan Chase banking account. JPMC bank is refusing to help me get my {$9200.00} that was fraudulently stolen from my account because they say there is nothing they can do, that the $ was NOT stolen from them-JPM Chase but from me personally. I have spent numerous hours, time & effort dealing with the Chase Claims department, Chase Fraud, Chase Wire Fraud, Chase Customer Claims Specialists, Chase Wire Fraud Recall Department, Chief Fraud Department, JPMorgan Chase branch Complaint Escalation Group, etc. Each department transfers me - more like passes me off to the other/next department and NOTHING HAPPENDS!!!! They are treating me like I am the criminal and not the VICTIM. I have had the only $ that I had, STOLEN from me within my banking system that I have had for years by someone who was able to clone several of the banks XXXX # XXXX and present themselves as a JPMorgan Chase Bank employee of the Fraud department and my bank-JPMorgan Chase, wont help me. I went to the Bank on XX/XX/XXXX because you cant just walk into your bank anymore, you have to make an apppointment and none were available on XXXX, they closed the account, and talked to several people, and the banker told a co-work that it happened again, more Chase XXXX XXXX XXXX are getting cloned, they are getting better., meaning these criminals and that JPM Chase banks are aware of this. I was also informed that we were the XXXX account in the past 2 months to be compromised, victimized, financially XXXX. I DID NOT give this criminal my information, he somehow obtained it. I DID NOT authirize a wire transfer transaction and my bank allowed this to happen. 
Ive filed a police report on XX/XX/XXXX and still waiting for a detective to take my case. DO NOT become a victim like me and GET OUT of JPMorgan Chase as fast as you can!!!!! I WILL get my {$9200.00} back even if it means I have to live on the streets. I am so tired of these huge companies worth BILLIONS & BILLIONSs of $ getting away with these actions!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
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 creditor 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 item and update them immediately in my report : BRIDGECREST XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: IL

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted ; My request to block and delete is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 

Experian Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report. To my surprise, the XXXX XXXX were reporting these XXXX accounts incorrectly : XXXX. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. XXXX. XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. XXXX. XXXX XXXX XXXX  with an open past due balance of {$740.00} reporting. These are collection accounts that are reporting not only as OPEN, but also shows past due balances.

According to the FCRA, I have the right to an accurate credit report. 15 USC 1681. I sent in a letter and the problem wasn't 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
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: 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. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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