vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I need these inquiries removed immediately

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Never heard of this company before and do not have a Contract with them.

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 2023-04-12 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:
accounts listed on this FTC report are all fraud accounts that was open without my knowledge as of to date ... .....

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 2023-04-12 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: PA

Complaint narrative:
XXXX XXXX service reports a charge thats not mine.I have know contract with this company.I dont know anything about this debt.I didnt give this company consent to share this false 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 explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of fraudulent charges, unauthorized by me, to recipients that I personally know. Because of that, banks have denied my claims and I am stuck on a wild goose chase between my banking account and it's partner, XXXX, to receive my funds. It has proven to be in vain for I am now denied a claim and any sort of compensation. This all began on the XXXX of XXXX in 2023. {$4000.00} split in XXXX and sent to XXXX of my friends. They immediately sent it back to my account, but it was as if the money disappeared into thin air. Their transaction got approved by XXXX, but it didn't show up in my account. 

I have made several calls with Chase, my bank, to which they have all been kind but largely unhelpful. I had even scheduled a visit with the bank to change my User ID and my password to prevent this fraud to happen again on my account. 

I knew that my account was compromised the moment I tried to verify my information on call with an employee. They gave me security questions that I was not able to answer, and as a result, I was not able to get into my account. That was when I had to go to a Chase bank directly. 

The bank told me that they did not have a " XXXX XXXX '' department and that they were unable to help me, so I am unsure of what to do and how to gain compensation back. Bank tellers have tried to assure me and say that I will receive the money, even if it is by credit and not from the scammer, but I do not have trust in those words after what has been said to me during these last few weeks. I feel hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: PA

Complaint narrative:
0n XXXX I sent Experian a reinvestigation dispute with a request to send proof of verification to which I have not yet received.they reinvestigated but did not not send me the proof of verification as a request.

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 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Called Bridgecrest and spoke with an Executive Resolution Specialist named XXXX. On XX/XX/XXXX at XXXX. I was inquiring about a loan deferment due to a short-term hardship I'd experienced. When I asked XXXX about getting a deferment since my last deferment was 6 months ago, she told me I could not get a deferment until I was 2 to 3 months behind in my payments. When I informed XXXX this kind of a delay with getting a deferment would create serious financial and credit harm to the loan holder, she reiterated that I would have to wait 2-3 months. I tried again to reason with XXXX because I knew the information was highly inaccurate. I asked XXXX what was the company policy related to anyone getting a deferment. XXXX recited again to me on the recorded line that everyone applying for a deferment would be required to wait until they were 2-3 payment late on their loan. Knowing this information was incorrect, I asked XXXX for a copy of the Bridgecrest policy related to waiting 2-3 for late payments for deferments. 
XXXX claimed this Bridgecrest policy was 'internal ' and would not send me the policy. I reiterated that it was illegal to have loan holders wait 2-3 payments for to request a deferment and would seriously hurt me as a loan holder and others. XXXX doubled- down and told me I would have to wait 2-3 payments for a deferral without respect to written policy and refuse to forward my deferment request to the proper financial department within Bridgecrest.

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 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Asset Agency, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a " Credit Alert '' from the XXXX companies I use to monitor my credit file. On XX/XX/XXXX, the information below apparently was posted to my credit file. The company is GLOBAL ASSET AGENCY in XXXX, AZ ( probably a shell company, since the address shown below DOES NOT match their " principal office '' address - or any other of their addresses, for that matter )! Side note : I was unfortunate enough to be part of the XXXX database hack. I was notified recently by XXXX of this fact. The hackers got EVERYTHING. ALL of my personal information. And now it just so happens this happens to me. A coincidence? I think not! 
I have been monitoring my credit file for XXXX years, and I've never heard of them. My Internet research shows they have an " XXXX '' rating with the XXXX XXXX XXXX, as well as this : " XX/XX/XXXX GLOBAL ASSET AGENCY, INC. is an Arizona **Foreign** For-Profit ( Business ) Corporation filed on XX/XX/XXXX ''. Reviewing the top three most recent XXXX XXXX XXXX complaints against them, all three complaints are within the last XXXX months, and all basically say the same thing : this company is fraudulent! The minimal research I have done already shows this company does not respond to email, letters, or phone calls. I would appreciate your help. Thank you. 

Additional Info Details SourceXXXX  Alert XXXX Balance Amount {$2300.00} Is CollectionYES Open XXXX Payment XXXX XXXX XXXX ( COLLECTIONS ) Status XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for XXXX  years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.

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 2023-04-12 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: MI

Complaint narrative:
I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for XXXX years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.

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 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hi, Portfolio Recovery Associates # Account Number XXXX XXXX has violated my rights. They have place a debt collection notice on my credit report which is hurting my consumer credit report. I have requested from them via certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They did respond saying that I have an attorney or legal representative on this issue. No, thats false, I dont have any legal representative on this issue this is false and they are using this to keep incorrect notice on my consumer credit that is hurting me. 

Portfolio Recovery Associates can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. 

In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Portfolio Recovery Associates 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. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: TN

Complaint narrative:
I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I made 2 purchases through my chase sapphire reserve cards chase dining service at XXXX and XXXX XXXX  in XXXX. I correctly made the reservations through the chase ultimate rewards portal and purchased as I have done before successfully. After not receiving the stated 10x points for the purchases I called chase sapphire customer service and was told i correctly did the process and they would investigate and then not notify me and to check my next statement. 

XXXX the ~ {$40.00} in points ( value at redemption ) still did not post so I called back and they again said I did the process correctly and that an explanation letter had been sent out and that they can not view the reason why it was denied so they restarted the investigation. 

I now received a letter from chase stating that both transactions were not done in the portal at all and that no points can be given and there is no appeal process. I did use the system properly and had my process confirmed with 2 different chase reps via the phone customer service line. I now have to file a complaint as a last ditch effort to have chase bank adhere to their own policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX. XXXX, XXXX " has violate 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 : also states a consumer reporting agency can not furnish a account without my written instructions This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.

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 2023-04-12 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: KY

Complaint narrative:
The account in question is with XXXX XXXX XXXX, and the account number is XXXX. I did not open this account, and the charges made on it are not mine. I suspect that the account was opened fraudulently by someone else who obtained my personal information without my knowledge or consent. I have taken steps to address this issue with all XXXX credit bureaus. XXXX removed this account after XXXX XXXX XXXX couldn't verify the debt, but Experian and XXXX still has this account reporting on my credit report. I contacted both XXXX XXXX  ( Original Creditor ) and XXXX XXXX XXXX about 2 months ago to dispute the debt and report it as fraud. Since then I have not got a response and have made a few follow up calls but haven't got any help. I am requesting that the account be removed from my credit report as it is not mine and was opened without my consent. I have included copies of the police report and any other relevant documentation to support my claim. Please investigate this matter and take appropriate action to remove the account from my credit report. I appreciate your attention to this matter and your prompt response.

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 2023-04-12 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: GA

Complaint narrative:
Attached Identity Theft Report The following account is fraudulent and fraudulent charges were made the creditor agreed to remove this account. 

XXXX XXXX XXXX XXXX XXXX Account 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