vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX 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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX used vehicle for {$15000.00} from XXXX XXXX XXXX it was transferred to Finbe USA I made my payment on time, never missed a payment from XX/XX/XXXX to XX/XX/XXXX of {$540.00} which included {$6000.00} cashier check that wasn't apply to total payment. XXXX XXXX contact me XX/XX/XXXX XXXX XXXX from XXXX Texas phone number XXXX or XXXX threatening calls and demand a payment of {$590.00} which I pay {$300.00} instead also he threatened to come to me house because of 6 days late without no grace period. I never missed any payments but I don't see any of balance not going down this company apply the incorrect total of {$13000.00} balance to account instead of {$4400.00}. I made a Total of 38 payment to account which {$6000.00} wasn't apply to the number of payment please review or investigation with this company or I will proceed on court or lawsuit against company. Also I will presume a lawyer to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to XXXX. XXXX stated that one of the accounts was canceled then that the other account we received a card and used it and would not be considered fraud. Which I never authorized opening any accounts, nor did I sign for any, also I never used the stated card. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. I have since found out that XXXX Lawyers have been talking to and negotiating in arbitration with the person who stole my identity. They have a phone number on the court website that isn't mine and are continuing to discuss this matter with someone who is not me. Since then we have contacted the sheriffs fraud department and initiated an investigation. XXXX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, inaddition to all of the fraud that has been accumulated. XXXX has continued to move forward with pressing charges against me despite my identity being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I didnt authorize these reports on my account, never heard of them never did 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
JPMCB has been false reporting my credit for the last XXXX -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( denied ), XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX listing a collateral of XXXX XXXX " XXXX XXXX '' my car was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX on XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX at a XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX {$31000.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Score XXXX, XXXXXXXX XXXX XXXX XXXX score XXXX on XX/XX/XXXX XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I am writing to dispute several inquiries on my credit report that I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries. I am concerned about the potential impact these fraudulent inquiries may have on my credit score and financial well-being

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IN

Complaint narrative:
See Attached : I am submitting a dispute. I have recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2024-03-06 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:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Grain Technology, Inc.
State: GA

Complaint narrative:
Grain Technology Inc showing a balance of {$730.00}. I sent over dispute letters to the credit agencies who then sent it to Grain Technology. I disputed that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
I am writing to dispute several inquiries on my credit report that I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries. I am concerned about the potential impact these fraudulent inquiries may have on my credit score and financial well-being

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from 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 2024-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I send out a dispute to XXXX, Experian and XXXX and got results back as of XX/XX/year>. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off 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 2024-03-06 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: IL

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 non-monetary relief
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 2024-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I noticed XXXX payments were sent from my checking acct to Carmax in error. I called Carmax to get a refund. The manager, XXXX, of the Resolution Group dept advised me that XXXX refund checks of XXXX each were mailed to the wrong address. No one called me to confirm my mailing address. They mailed it to the wrong address. He also advised me that he would submit a request to overnight me a refund to the Corporate Accounting dept by XX/XX/year>. On XX/XX/year> I called him back bc I had not received it. He said neither he nor I could find out what the hold up was or what the refund process or ETA was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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 not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to express my dissatisfaction and frustration with the unresolved matter concerning a debt owed to National Credit Systems Inc. 

Despite repeated attempts to resolve this issue, I have encountered significant obstacles in obtaining proof of ownership of the debt in question. Despite making a payment towards the debt, National Credit Systems Inc. continues to assert that I owe them without providing adequate documentation or verification. 

This situation has caused undue stress and financial strain, as I have made efforts to fulfill my obligations only to face persistent demands from your company without proper justification. 

The lack of transparency and failure to provide evidence of ownership of the debt is unacceptable and has tarnished my experience with your organization. I urge National Credit Systems Inc. to promptly address this matter, provide the necessary documentation to validate the debt and cease any further attempts to collect without proper verification. 

I expect a timely and satisfactory resolution to this issue to prevent any further escalation of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Each time I call Citibank, I talk to an outsourced call center. I have to start from square XXXX with each person I talk with. I tell them I have tried to make a transfer from my accelerated savings account to an external XXXX account. I verify all kinds of information : my account number, my SSN, my address, my phone number, when I opened the account, when I made the transfers. Each time they tell me my account is under review for XXXX. After that time period my transferred will be allowed. FALSE! I have gone through this XXXX different times. Twice they even said they would make an alert on my account to accelerate my request since I have been having trouble. After all that, then WITHOUT NOTICE my account was blocked. I could not even access it or see the money I had in my account. After XXXXXXXX XXXX  on the phone I was able to get my account access back and they CONFIRMED I WOULD BE ABLE TO MAKE THE TRANSFER THEN. FALSE! I still was not able to make a transfer. Finally, I tried making the withdrawal initiated from my XXXX account to Citibank. It is still under review for XXXX in which that time period is already passed and my transfer is still on " hold ''. No one is able to help me, no one is able to resolve my problem and in the mean time I am not able to access MY OWN MONEY!

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 2024-03-06 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-06 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-03-06 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-03-06 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-03-06 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-03-06 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: Kornerstone Credit,  LLC.
State: TX

Complaint narrative:
Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX The KornerStone Credit notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.

Company response to consumer: Closed with explanation