vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-07-09 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: GA

Complaint narrative:
This is a formal complaint that I am reporting inaccurate and an incomplete credit information on my report. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts and inquiries that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts I demand to see verifiable proof ( Original Signed Contract ) that you have on file for the account listed Below inquiry ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these Account has hurt my ability to obtain credit under the FCRA unverifiable accounts must be removed and if unable to provide me a copy of verifiable proof you must remove the account listed below I Demand that the following Account to be removed immediately I do not have any responsibility for the Account youre trying to collect review of account information showed several redacted pieces of information as well as information not belonging to me I have been a victim of identity theft in the past this is on going if you have reason to believe Im responsible for this debt mail me the documents that make you believe that. stop all other communication with me with this address and record that I dispute having any obligation for this Account if you forward or return it to another company please indicate that this account is being disputed In addition please remove all non-account holding inquiries over 30 days old have Submitted documents and other required information to confirm that this Account does not belong to me Under federal law you have 30 days to complete your reinvestigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is herby requested as well, to be provided within 15 days of the completion of your re-investigation below i have also attached a copy of my identity theft 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 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX  with XXXX XX/XX/2023 XXXX-XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.

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 2023-07-09 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX  months.

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 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX with XXXX XX/XX/2023 XXXX-XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.

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 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX with XXXX XX/XX/2023 XXXXXXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.

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 2023-07-09 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX XXXX. This was a fraudulent inquiry and was NOT done by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report AND on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX and XXXX multiple times. I have called XXXX XXXX multiple times. I have sent a letter & a follow up letter to XXXX XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX XXXX from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX multiple times. I have sent a letter & a follow up letter to XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 


Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for Citi Bank, NA. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called Citi Bank Best Buy multiple times. I have sent a letter & a follow up letter to Citi Bank. All of these efforts were made to report fraud and to have the hard inquiry from Citi Bank *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

On XX/XX/XXXX I implemented a Freeze and a Fraudulent Alert on all of three credit bureaus. 

There were other fraudulent hard inquiries ( including one from XXXX  ) that were also on my XXXX credit report ( along with the ones above ) but XXXX was GREAT and removed ALL of the hard inquiries very quickly. 

I have already spent hours and hours on this since XX/XX/XXXX. 

I am writing to ask for your help to please have these XXXX ( XXXX ) fraudulent hard inquiries removed from my credit reports. 

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 non-monetary relief
Consumer complaint received 2023-07-09 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with Credit Collection Services XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/2023 Experian shows incorrect information regarding account XXXX XXXX XXXX. 

Experian shows the account was paid off on XX/XX/2023. However, Experian also is reporting a late pay for XX/XX/2023. This is not correct information. 

I requested an investigation and was never notified of the results or provided any documentation. In addition, Experian will not let me re-dispute this item. 

Experian 's error is hurting my credit.

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 2023-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX  account number # 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.

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 2023-07-09 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I attempted to cash a {$2000.00} check from my father on XX/XX/XXXX for the down payment of a car. The bank where I attempted to deposit the check is Chase Bank in XXXX, Wisconsin, where I have had a checking account since XXXX. I was told the funds would not be available in my account until XX/XX/XXXX. Chase Bank is in violation of the Expedited Funds Availability Act ( EFAA ) as well as the Check Clearing for the 21st Century Act by withholding funds that are rightfully mine for XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Netspend Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I got a Netspend card in the mail that had my name already on the card, i did not apply for it, and they would not tell me who gave them my information. I asked for there supervisor and of course they were not available. I XXXX  them while talking to her and saw they defrauded XXXX people so id like them audited again because she would not tell what information they had on me. Please contact me if you find they took any money from me. 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 2023-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Utah, company without a form XXXX XXXX or my knowledge or consent, sold nonpublic personal information of mines to a collection agency out of XXXX Texas named Lockhart, Morris, and Montgomery. 
Violating Title 15 U S C 6802 Cornell Law.

A financial institution shall not directly or through an affiliate disclose to a non affiliate third party ANY nonpublic personal information. Without my knowledge, consent or other make it known to consumer Clear and Conspicuously. It must be at the time the dealings or relation begins. 
Lockhart Morris and Montgomery does not hold a original promissory note or contact. I ask them to provide my signature saying I agreed to pay them and they could not produce it. There was never a contract between myself and the collection agency/ third party. 
I would like XXXX XXXX and Lockhart, Morris, and Montgomery deleted for all eternity from my credit files. XXXX, XXXX, and XXXX. 
This is the second or third time I have made this complaint to CFPB. They are clearly in violation of USC TITLE 15 Trade and Commerce. Cornell Law, and the truth and lending act. Also someone forged my signature on that contract. I can prove it to. Recently XXXX XXXX agreed to a class action settlement and I received two checks for a small amount in the mail. I have not chased them. Those checks are a admission to guilt like it or not therefore the account on my credit files should not be on the files any longer. At this point I am seeking not only the account be removed but I am also seeking damages and a written apology. My telephone number is XXXX. If it can finally be solved they are free to call me. If taken lightly as everything else I will see them by way of attorneys who will not settle easily. I am also willing to take my allegations to the media and let more people get to speak there truth. I am so frustrated with how this has accurred, it's affected me, my family, and my character in the eyes of other people and I am ready to deal with it. By the way CFPB when I filed with you before they never, wrote, called, or anything just business as usual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Please provide the initial XXXX Tracking Numbers for all the initial dunning letters that Credit Collection Services sent to me before listing all these accounts on my credit reports. Please provide proof outside of the statement " Nothing came back in the mail. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: Financial Credit Network Inc
State: CA

Complaint narrative:
After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with XXXX XXXX XXXX XX/XX/XXXX, FIN CR NETWORK XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: CL Holdings LLC
State: CA

Complaint narrative:
After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX and Jefferson Captial System XX/XX/XXXX.

Company response to consumer: Closed with explanation