vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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:
I am filing a complaint against EXPERIAN for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.

Furthermore, EXPERIAN is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, EXPERIAN has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. 

As a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. 

I request that the CFPB hold EXPERIAN accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$58000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit file. 
Unauthorized Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. I have not authorized or provided explicit consent for these inquiries, making them invalid and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I noticed there were charges that werent authorized through my email. The charges are from the company XXXX and grubhub for the total amount of {$1500.00} Both transactions were done in different states. New Jersey and New York. Im located in XXXX as well as all of my other card transaction. I pointed out the fact that fan duel even provides the location of the trans action as well as an identification needed to make a fan duel transaction. Neither are linked to me. I also mentioned that XXXX has no records of me placing bets with my identification. I cant be XXXX places at once. Also I have no connection with grub hub which can also be verified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} Late Payment : Former : XXXX XXXX OREGON Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 XXXX 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 2024-11-19 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: OH

Complaint narrative:
Experian are deliberately exhibiting my credit report score as N/A unscorable. I am currently in chapter XXXX for over XXXX years now and I only got XXXX year left. All of my accounts have been closed under the XXXX  XXXX. All my unsecured creditors have been closed. That is true. 
But I still make payments on my XXXX XXXX auto finance XXXX  XXXX fusion vehicle every month at {$340.00} a month even though thats under my bankruptcy. It is still an open account in a sense because I still make payments every month so I can keep the car for being available to me while in bankruptcy. I do not intend on turning in my car while Im in bankruptcy I intend on keeping it and continuing to make payments on it that is not reflected on my Experian credit report they have my credit report showing as unscorable. Just because Im in bankruptcy and my accounts have been closed. I think that is disgraceful and it is being done deliberately to hurt me and to keep my credit score looking horrible in case I have a need to apply for a credit card when my bankruptcy is over. In my opinion, this is what the credit reporting agencies do they purposely try to make your credit score look horrible so it will hurt you in the future and cause you to be stuck with higher interest rates, especially to poor people. 
Experian is a sham and a scam in my opinion and Im asking that my credit score stop showing unscorable. And that it reflects that I am making payments on my XXXX XXXX XXXX vehicle every month at {$340.00} a month and I have XXXX XXXX years left of payments on it even though it is in my bankruptcy and I can turn it in anytime I want I intend on keeping the car and I am making my payments on every month of {$340.00} a month. So please stop showing my credit score as unscorable because thats gon na look horrible if I ever go for a loan in the future. Im asking experience to stop deliberately and purposely hurting my life by keeping my credit score showing as unscorable in my humble opinion. This is my own opinion and my own views personally.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase sent me an email stating that if I spent {$150.00} or more on my Chase Freedom credit card between XXXX and XXXX in XXXX of the following XXXX categories : Fitness clubs & Gym memberships, Utilities, Local Transit & commuting, Insurance, Phone cable & internet service I would receive a {$15.00} statement credit. I Activated the offer and spent the {$150.00} on XXXX. The offer further states to allow up to XXXX weeks for the credit to post to my account. On XXXX I still had not received the offer, so I called Chase. XX/XX/XXXX, I spoke with XXXX, who told me I needed to call XXXX. When I called that number, it was the Chase travel service. I then called and spoke with XXXX. She shows the offer, but I am not getting the {$15.00} statement credit. 

How can a credit card company make an offer, you spend the amount needed to get the offer, and then the credit company simply refuses to honor the offer? 

Next I turned Chase into the Better Business Bureau. Chase confirmed the offer, but is making the ludicrous claim that I decided to spend the required {$150.00} to earn the {$15.00} statement credit, but decided not to sign up for the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
The issue spans possibly multiple cases, but surely connects to XXXX XXXX and XXXX XXXX. 

I had my car messed with multiple times, stripped while it was classified as a fixable vehicle, was sold to an impound lot, repossessed from impound lot and told we could fix it. 

Caliber mechanical in XXXX OK said the car was stripped. 

The car was again classified as again totaled and this time the coverage of my insurance was to pay off the lease. 

Well, suddenly the institution is acting as if the lease does not have XXXX insurance. 

Every time weve reported this to the police, or start calling them someone drives off then they call from the below number and hang up even when answered. 

This number has only ever called me in the past if a payment was missed or was due. 

XXXX Now theyre calling after we feel sick, feel like were being followed and reporting it to the police, or we see someone posted outside of our house. 

Right after its reported again this agency calls me. 

Please help to correct as its harming my family altogether and my wife keeps feeling like shes being XXXX  like, maybe with something thats considered unnecessary suffering under international humanitarian law. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-19 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-11-19 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.

Complaint narrative:
I am a XXXX  XXXX XXXX. My complaint is for my XXXX who want to purchase a home and want to get prequalified by me pulling their credit reports with all 3 bureaus. 
I warn them about the oncoming calls after I pull their credit. I also advise them to go to the XXXX website. 

After I pull their credit reports, they are immediately bombarded with mortgage companies calls due to the bureaus selling their information. My client yesterday, texted me " how do I make it stop!!!! '' I gave her the optoutprescreen website info, though it will not stop the calls until 5 days then it is for 5 years. 

I am not an attorney, but this does not seem fair to the customers. It does not seem lawful for the bureaus to take this information and to be able to sell, share or whatever. 

In my customer 's words, " Make It Stop!!! '' she wails!

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 2024-11-19 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: EQUIFAX, INC.

Complaint narrative:
I am a XXXX XXXX XXXX. My complaint is for my XXXX  who want to purchase a home and want to get prequalified by me pulling their credit reports with all 3 bureaus. 
I warn them about the oncoming calls after I pull their credit. I also advise them to go to the XXXX website. 

After I pull their credit reports, they are immediately bombarded with mortgage companies calls due to the bureaus selling their information. My client yesterday, texted me " how do I make it stop!!!! '' I gave her the optoutprescreen website info, though it will not stop the calls until 5 days then it is for 5 years. 

I am not an attorney, but this does not seem fair to the customers. It does not seem lawful for the bureaus to take this information and to be able to sell, share or whatever. 

In my customer 's words, " Make It Stop!!! '' she wails!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief