vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: WA

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 acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX VIOLATED MY PRIVACY ...... 

15 U.S.C. 1681 Section 602A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-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 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: FL

Complaint narrative:
Hello! My names XXXX XXXX. I am XXXX XXXX XXXX and reside in FL. 
I believe my identity has been stolen. I have multiple charges from AVANTE, a retirement home here in town which i have never been to ; im only XXXX! I have XXXX marks from AVANTE, and I am not associated with them. 
My credit is horrible and I'm young and trying to live my life. This makes me sick to my stomach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: NC

Complaint narrative:
his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that 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, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: MI

Complaint narrative:
My XXXX XXXX loan for a XXXX XXXX was not total cashed out according to the guidelines of the XXXX claim checklist filed with XXXX XXXX XXXX. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to XXXX XXXX and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

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 explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for credit card at best buy I was denied for card I applied for got determination letter saying I didn't qualify for then a couple weeks later I was sent a lower card I qualify for in witch I didn't apply for but I thought about it ok it's less of XXXX I applied for but then when I received it in I never thought a card was coming after denial letter so I opened it and called to activate it my information didn't match so they transferred me to someone I thought would help me but keep getting the run around asking me for personal information I didn't feel comfortable giving nothing but wrong information steady tried to get personal information I tried to tell them why should I tell you that if not needed to access this account nothing matches I gave them information on bill I got for a card I never activated gave account number on a bill I got still couldn't help me steady asking for personal information

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 2022-12-18 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I discovered fraud on my American Express platinum card in early 2022 at which point I made American Express aware of the situation. They at that time informed me they would respond to me with a resolution letter within 30 days at latest 90 days, its now been close to 10 months. I havent received a resolution letter, and I have proof from the vendor acknowledging the charges were fraudulent. American Express has not been getting back to me, even though I have had agents say they sided with me but fail to have credits post to the account. I even mailed my dispute in under the fcba and they failed to even open the claim. it took me hours on the phone to get them to reopen the claim. My ideal resolution would be for the claim to be reopened and the charges that were fraudulent to be credited back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Refence XXXX & XXXX AMERICAN EXPRESS CO said " We had permissible purpose to review your credit bureau report, and we handled your applications in accordance with applicable laws and regulations ; therefore, were unable to give you the Platinum Card '' where did you get permissible purpose to review my credit report In accordance with the written instructions of the consumer to whom it relates. Please provide me with written evidence of your permissible purpose that supports your statement. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. on the basis of race, color, religion, national origin, sex or marital status, or age provided the applicant has the capacity to contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 1. XXXX XXXX XXXX XXXX, XXXX, VA XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX 4. XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX 5. XXXX XXXX XXXX XXXX XXXX, NY XXXX 6. XXXX XXXX XXXX XXXX, VA XXXX 7. XXXX XXXX XXXX XXXX, VA XXXX 8. XXXX XXXX XXXX XXXX XXXX, WA XXXX 9. XXXX XXXX XXXX XXXX XXXX, Va There should only be one address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, 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 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
The source of this debt, is co-insurance from a claim, being incorrectly applied. Unfortunately, I am homeless. Modifications have been made to medical debt collections, which are no longer supposed to show on credit reports, as of the coming year. When asked what will happen to this debt, as of the XXXX of the year, XXXX said that she didn't think that anyone really knew the answer to this. Please note that this debt is for less than {$100.00}. Explaining my situation, I had sent XXXX a fax. When I spoke with XXXX, she said she had not received XXXX. However, she did provide me with her e-mail address. On the XXXX of this month, I sent her a detailed e-mail. As of today, she has not replied. This is making it more difficult for me to get out of my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: NC

Complaint narrative:
his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that 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, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: NC

Complaint narrative:
his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that 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, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: NE

Complaint narrative:
Incorrect information being reported due to unlawful consent.

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 2022-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed into sending money to an impersonator of XXXX. I contacted my bank, Chase, to stop the payment when I figured out it was a scam and they refused to do anything. They said if I authorized the payment, there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It XXXX Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 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 XXXX XXXX  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 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 XXXX XXXX  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, 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 2022-12-18 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: MI

Complaint narrative:
I have maintain 30 years of great credit and 2019 suffered life altering injures from combat which placed me in a 100 % XXXX. Between the years XXXX, we where establishing me within the VA, Social Security and transitioning from workforce into the XXXX world, all my bills, and life where upside down. I reached out to the establishment and explained the situation and was informed that others where dealing with COVID-19 pandemic and we worked on maintaining our relationship. Even under my tough circumstance, I paid without looking for an easy way out!

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 2022-12-18 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: MI

Complaint narrative:
I have maintain 30 years of great credit and 2019 suffered life altering injures from combat which placed me in a 100 % XXXX. Between the years XXXX, we where establishing me within the VA, Social Security and transitioning from workforce into the XXXX world, all my bills, and life where upside down. I reached out to the establishment and explained the situation and was informed that others where dealing with COVID-19 pandemic and we worked on maintaining our relationship. Even under my tough circumstance, I paid without looking for an easy way out!

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 2022-12-18 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: NE

Complaint narrative:
Incorrect information being reported due to unlawful consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: NE

Complaint narrative:
Incorrect information being reported due to unlawful consent.

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 2022-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Khoury Alternative Claims Management
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: Westlake Services, LLC
State: NV

Complaint narrative:
This account has been sued. Its been over 7 years, legally this account is supposed 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