vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Entrata Inc.
State: FL

Complaint narrative:
Item XXXX : - Account Name : RESIDENT VERIFY - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : XXXX XXXX XXXX. 
- XXXX Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TN

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TN

Complaint narrative:
I am a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove unauthorized inquiries from Equifax Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Improper use of my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
Application & Extension of Credit : On XX/XX/, I applied for a loan via Transform Credits platform, thereby extending my consumer credit. Subsequent to my application, I was surprised to find that a co-signer requirement was imposed, which was not clearly communicated initially. 

Unexpected Enrollment in XXXX : On XX/XX/, I was informed by Transform Credit about my enrollment in their XXXX  XXXX, which I neither explicitly opted into nor was aware of its implications. I learned that I would be charged $ XXXX monthly, reported as interest against a loan held on my behalf, without actually receiving said loan. This arrangement was unfamiliar and not part of my primary intention. 

Co-Signer Requirement Clarification : A subsequent communication on XX/XX/, reinforced the co-signer requirement, explaining that all of Transform Credits customers must have a co-signer. 

Concerns : Lack of Transparency & Potential Misrepresentation : My application was accepted, and in good faith, I extended my consumer credit. However, the introduction of additional stipulations, such as the co-signer requirement after application consummation, seems contrary to transparent business practices. 

Possible Violations : The aforementioned practices may be in violation of multiple U.S. codes and regulations. Specifically, these actions appear to contravene : The Consumer Credit Protection Act 15 USC 1602, 12 CFR 1026.19 ( e ) ( 2 ) ( iii ), 12 CFR 1026.19 ( e ) ( 2 ) ( ii ), and related provisions. 
215.3 regarding extensions of credit. 
Discrimination against a consumer for exercising rights under consumer protection laws. 
Unauthorized Credit Activity : Transform Credit reported on my consumer credit without delivering any tangible benefit to me, a potential violation of 15 USC 1602.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Reported it to you guys did the investigation with XXXX and XXXX even though I sent them everything they need this is like the second time around contacting you guys the company apparently responded and said to delete the account and I called TransUnion today and they gave me nothing but the runaround and told me that it's not going to be deleted and didn't give me a reason why and I called TransUnion today and they told me the same thing so this account should be deleted it's still on my they're ignoring you guys can someone please contact these people thank you. Stating that these XXXX XXXX  should be removed from my credit report deleted.

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 2023-09-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Reported it to you guys did the investigation with Equifax and XXXX even though I sent them everything they need this is like the second time around contacting you guys the company apparently responded and said to delete the account and I called XXXX today and they gave me nothing but the runaround and told me that it's not going to be deleted and didn't give me a reason why and I called XXXX today and they told me the same thing so this account should be deleted it's still on my they're ignoring you guys can someone please contact these people thank you. Stating that these heights finance should be removed from my credit report deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2022 I noticed that there was a past due payment on my Banana Republic credit card ( XXXX ). XXXX XXXX  had just sold this account to Barclays Bank, and I was assured by Barclays that my " auto-pay '' would not be affected. Unfortunately, it was affected, and I received a late payment fee. I immediately called Barclays Bank on XX/XX/2022 and spoke to XXXX XXXX. He waived the late fee, instructed me to setup auto pay again, and verified that this was not my fault. He promised me that this would not go on my credit report. However, after applying for a loan at my bank, they informed me of the late payment history ( XXXX of XXXX  ). 

This late payment, and negative credit reporting is the error of Barclays Bank. My auto-pay never should've been interrupted, and I was told that it would not impact my credit history. How is this even legal?

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have been disputing it for months, but they have never responded to me for the high and predatory charges on my account, Midland refuses to send the documentation of this account that they bought that was disputed for the charges that exceed those allowed, they only send a Bill, I require the documentation original account of this account, including a complete breakdown of the account ( including applicable interest rates and APR ) and a complete record of all credits and payments attributed to this account. In addition, there are specific inaccuracies related to my credit report. I think the amount you declare and collect is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NV

Complaint narrative:
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice,

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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested documents from the Bureaus! And I have been ignored!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never authorized any of those inquiries.

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 2023-09-27 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:
There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized any of those inquiries.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Between the dates of XXXX unknown parties were able to access my Chase checking and savings accounts using a XXXX XXXX  XXXX Unknown at this time how they got access to my account. With that XXXXXXXX XXXX they made XXXX separate withdrawals ranging from $ XXXX {$3000.00} and took {$5700.00} from the checking account and {$10000.00} from the savings. On XX/XX/28 is when I found out about the fraudulent transactions and notified Chase. I terminated the debit card, changed username and password on digital accounts and let them know at this point that these transactions were fraudulent. I then filed a police report with the XXXX Police Department about the fraud. At the time I could only go based off of the information on my online account and it appeared that the transactions occurred in XXXX. With the help of a local branch it appears all of these withdrawals occurred in XXXX. Chase over the next month has denied reimbursement of the money taken on XXXX claims that they created about the transactions. They have stated that in their investigation that the transactions were consistent with my account activity. I have never been to XXXX, never used a XXXX XXXXXXXX XXXXt and in the last two years never taken more than {$200.00} from an ATM. They have also at times stated that they are not liable because my PIN was compromised which means I am in violation of the user agreement. I have had an active Chase account for over 10 years and have never had issues like this in the past. It is frustrating to prove my innocence when it should be the bank 's job to complete a thorough investigation and this appears to keep getting swept under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MS

Complaint narrative:
I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.

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 2023-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I represent an account holder as power of attorney. Marcus by Goldman Sachs locked the account holders account access based on a fraud flag and has refused for more than six weeks to unlock the account. Every time I call, they either ask for more information or say that a supervisor will call me back, but a supervisor has never called me to date despite multiple requests. 

I provided Power of Attorney documentation to Marcus so that I could assist with getting access to her money restored. In early XX/XX/2023, I contacted Marcus customer service on her behalf. I was told that the Power of Attorney documentation could take up to 30 days to process and instructed to call back later. I called back again the following week and was told to call back in a few business days to allow additional time for processing. I called back again on XX/XX/XXXX. After initially being told that my Power of Attorney documentation was not received, I was finally told that it was, in fact, received and was being processed. I was promised that a supervisor would call me within three business days. That did not occur. I called back on XX/XX/XXXX and spent more than an hour on the phone. I was told for the first time that Marcus would need to speak with the account holder, but she is incapacitated. I was then told for the first time that Marcus would need a physician note to accept the POA. That, of course, is not how POA law works and has never been requested of me by any other financial institution in my time serving as POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. 

XXXX XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
- Chase doesn't provide my credit card statements for the period from XXXX, XXXX to XXXX, XXXX. 

- I started to request for the above-mentioned statements on XX/XX/XXXX. Since then, there were numerous phone calls with Chase credit card department and three lengthy discussions with a manager of the branch near me. Yet, Chase failed to provide those statements. 

The case number is XXXX for Chase internal inquiry. According to the manager, all the details should have been documented within the case file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MS

Complaint narrative:
I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MS

Complaint narrative:
I am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.

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