vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: NJ

Complaint narrative:
Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. 

Dear Consumer Financial Protection Bureau, On XX/XX/2023, I submitted a complaint through the Consumer Financial Protection Bureau ( " CFPB '' ) portal complaining that Barclays continues to mark my complaints as a duplicate and closes it out without ever responding to it or providing the information requested. On XX/XX/2023, Barclays responded to that complaint and marked it too as a duplicate and in doing so, it admitted that the denial of my application for the Mastercard Black Card was the product of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status and/or age. '' Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc

Complaint narrative:
I never opened an account with Affirm. Someone else opened an account with them in my name, using my SSN. Affirm refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site.

The frauder used an address, phone number and email that are totally unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a checking account with Citi in XX/XX/2023. The reason I signed up was because I am a XXXX male. Citi claims they are the bank for XXXX- people according to their advertising. 

I deposited 2 checks from the IRS on XX/XX/2023. One for {$430.00} and another one for {$1100.00}. 

I received communication from Citi that they had " confidential '' information that I was doing check fraud because the deposit would not be accepted. The money was held but released when the check cleared. 

I inquired about this " confidential '' information. I asked the representative and they had no answer. I am not sure what Psychic or Fortune Teller service Citi uses for these false claims. 

Then in the future, Citi gave me problems with Credit Card Fraud on my Credit Cards. 
Citi even closed some of them. I noticed today XX/XX/2023 that one of them was closed without any communication. 

I have never had a bank that functions like Citi does and makes false allegations against their customers.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian.com sent me an alert for a change in my credit report. I tried to log in and was unable to log in. 

The website sent me to forgot my password which I filled in the required information and never received the security code via way of text or phone call. 

I called Experian 's phone number and the system just kept saying " sorry '' and would not allow me access to my credit report. I was unable to get a hold of anyone to help me gain access to my credit 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bmo harris bank closed my account without investigating properly and put me on a XXXX XXXX  credit report and now it's affecting me opening a account else where When bmo harris bank failed to respond to my issue and never answered my questions and falsely accused me

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I received an email notification from JP Morgan, Chase, indicating that I had signed up for paperless statements for my newly opened credit card. However, I did not just open a credit card and became suspicious of fraudulent activity. In addition, I also received a notification from XXXX identity monitoring through my XXXX XXXX XXXX XXXX premium checking benefit. I contacted Chase to inquire about the issue. They verified that a new credit card had in fact been opened yesterday on XX/XX/2023 in my name. I told them that I did not open that line of credit. They asked me if I considered it fraud. I said yes. They asked me if I wish to have the account closed which I did. However, they would not share any other information with me regarding how or who mightve open this line of credit without my consent. They also instructed me to contact the three credit bureaus to have a fraud alert placed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I never opened an account with XXXX. Someone else opened an account with them in my name, using my SSN. XXXX refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site. 
The frauder used an address, phone number and email that are totally unknown to me.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint narrative:
I never opened an account with XXXX. Someone else opened an account with them in my name, using my SSN. XXXX refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site. 
The frauder used an address, phone number and email that are totally unknown to me.

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 2023-09-14 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: Hughes Acceptance Corporation
State: NC

Complaint narrative:
I noticed about 2 years ago that my vehicle loan was no longer reporting to my credit. I reached out to the company upon noticing and requested that it be fixed. They assured me it would be, and said to follow up next month as they report each month on the first. I XXXX XXXX XXXX XXXX so I agreed and understood. 

However, it was never resolved. I continued to follow up multiple times over the following year and a half until now, and at each follow up they would reiterate that everything appeared fine and should be fixed. The company did contact me via text on my personal phone however I gave explicit permission for them to do so. 

I have in the past 4 months frozen my credit, as the company requested that they could pull my credit to " ensure I was reading it correctly '' I denied this request, as I was reading my reports via the official websites, and forwarded pictures via text of my credit reports to the companies contact number I was given. 

I still have the texts and can provide those upon request. Their account notations seem to have the dates as they reference them whenever I call to reiterate my complaints each month.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: NE

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management is reporting this account XXXX as opened and delinquent when I refinanced my vehicle with XXXX XXXX XXXX XXXX and I have been making payments with XXXX. I called Westlake Portfolio Management to confirm that this account XXXX was closed and they confirmed. As of XX/XX/XXXX they are still reporting to the credit agencies as open and delinquent which is affecting my credit significantly. I wanted this account closed and removed from my reports.

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of certain items on my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : XXXX Account Number: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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX + American Express. 

Please see attached. 

I am being removed as an authorized user, as well as it being removed from my credit report, for the American Express credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: CA

Complaint narrative:
I had a credit card with XXXX XXXX prior to the pandemic shutdown. In XXXX of XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for XXXX XXXXXXXX. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that XXXX XXXX update the balance to reflect as paid since XX/XX/XXXX. 

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: TX

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX co account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to.

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the c
ompany or affiliates are to contact me or any family members by any means other than the US mail system.

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