vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I submitted a police report also a ftc report and to all 3 credit bureaus they told me they will submit it to the debt collectors I also submit my self to the debt collectors they completed the dispute and said it will remain on my credit report even after I explained I spoke to XXXX XXXX XXXX but I cant get in contact with westlake which is the other debt collector they refuse to remove it but I cant get anyone on the phone they also sold my debt twice! And gave me other numbers to call because they told me they dont own it anymore! XXXX XXXX XXXX still say they will remain on my credit as well

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 2024-11-22 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: DE

Complaint narrative:
In XXXX I noticed an inaccurate bankruptcy record listed on my Experian credit report. This is completely false, as I have never filed for bankruptcy. I promptly filed a formal dispute with Experian to correct this error. In their response, Experian claimed they verified the information through a public records vendor, yet they failed to provide any documentation or proof supporting this claim. Additionally, despite stating that they contacted me as part of their investigation, I was never notified or given the opportunity to provide further clarification or evidence. 

This mishandling of my dispute is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. Experians failure to properly investigate this issue has left this false and damaging information on my credit report, severely impacting my life. 

This inaccurate bankruptcy record has created significant barriers to my financial growth and stability : Credit Denials and Increased Costs : The false bankruptcy has severely lowered my credit score, resulting in higher interest rates and outright denials for credit products such as loans, credit cards, and housing applications. I have been unable to secure affordable financing for personal or professional needs.

Professional and Personal Limitations : As someone actively working to grow my personal and professional life, this false information has hindered my ability to invest in opportunities, expand my business ventures, and pursue life goals that rely on accessible credit. This is particularly disheartening, as I have worked diligently to maintain financial responsibility. 
Emotional and Psychological Stress : The presence of this false record has caused ongoing XXXX and stress. It has made it difficult to plan for the future, undermined my confidence in financial matters, and created a constant fear of being unfairly judged by creditors or other institutions.

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 2024-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Edfinancial promises a .25 % interest rate reduction when enrolled in XXXX. I have been enrolled in XXXX for a year, since XX/XX/year>, and I have yet to see this reduction despite calling and emailing them several times. When calling or emailing, I get the response that they are aware of the issue and that I need to wait for it to be fixed, but there is no timeframe associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-22 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: DE

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given 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 non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15 U.S.C. 1681c-2 ( a ). I am a victim of the XXXX data breach, I am exercising my rights 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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail.

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 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: SC

Complaint narrative:
Its two different accounts open in my name for a rental property they sold my in for to another company they are trying get double the amount from 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 2024-11-22 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: GA

Complaint narrative:
I never received the credit card. This account should be closed and removed from my credit report. I do not owe any balance since the company never issued any cards nor had access to this account, which led me to cancel the account entirely. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never received the credit card. This account should be closed and removed from my credit report. I do not owe any balance since the company never issued any cards nor had access to this account, which led me to cancel the account entirely. 

XXXX XXXX XXXX XXXXXXXX

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 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have tried many times to get a copy of this debt. I asked for a copy of the signed contract and or agreement. I asked for anything and got no response. The only thing this company does it keeps moving the date of when this was last paid or opened.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a wrong and unauthorized inquiry showing on my credit report with Experian.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
This Total Visa card has a {$300.00} limit and I barely use it. 
Here are the fraudulent charges : XX/XX/XXXX posted XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$58.00} XX/XX/XXXX posted XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX posted same day XXXX XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX posted same day XXXX XXXX XXXX XXXX CA {$58.00} * I have NEVER bought anything from XXXX ( verifiable by my purchase records ) * I have never received such items ( Pls check delivery records ) * The statement suggests I bought these items TWICE in the same month!! 
* It is utterly absurd and I am enraged. 

Please help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance 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 non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-11-22 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.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-11-22 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, XXXX XXXX XXXX and I am the holder of a Chase Business credit card. 

. I am disputing the following charges : XX/XX/XXXX, {$250.00}, XXXX, XXXX XX/XX/XXXX, {$9900.00}, XXXX, XXXX XX/XX/XXXX, {$7700.00}, XXXX, XXXX XX/XX/XXXX, {$9600.00}, XXXX, XXXX On XX/XX/XXXX & XX/XX/XXXX, I was in transit between XXXX, XXXX and the XXXX. 

When the fraudulent charges happened, chase was contacted immediately, a new card was issued, and the charges were reversed. 

In XXXX, XXXX, these charges were back in my account. 

I believe our card was cloned and used in XXXX where the fraudulent charges were made. 

I have not been to XXXX for over XXXX decades. I have not purchased any goods or services from XXXX. 

The company XXXX provides XXXX XXXX XXXX in XXXX. They are XXXX XXXX  My assumption is, someone used our card to pay XXXX XXXX XXXX XXXX  payments require a contract or a receipt. 

I have sent an email to XXXX, XXXX requesting the charges to be refund imediately and proof of a sign receipt so we can give to the authorities for further investigation. We have not received a reply yet. See email attached. 

Chase stated the transaction is valid because they emailed me on XXXX, 5 days after transaction occurred, requesting confirmation the charges were legit and we replied yes. 

I have confirmed with our XXXX XXXX email host that there was no such email. 

We sent an email to XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a copy of the email with the confirmation. Exhibit 1 attached. 

Chase has yet to respond. 

On XX/XX/XXXX, I sent an email to XXXX sumarizing the problem with the unauthorized charges. See email attached. 

These were large charges within a few hours from a company we never done business with before, in a foreign country. Chase should have flagged that. 

Our business and me personally only own Chase United Cards. We are loyal customers, we spend well and pay for our statements in full, never missing a payment for over XXXX decades. 

We value our partnership with Chase. We are sad to have this issue and potentially have to close ou

r 20+ year old account if Chase can not protect us. Communication has be
en an issue,. The fraud department does not answer emails or return calls. We are suspicious of the calls from the fraud department because with every call they request all our information including the full number on the credit card and then let us know someone will contact us shortly. We can never actually get the person we are supposed to talk to when we call. And of course several call disconnects during the process. 

We hope to be able to solve this soon as $ XXXX is a bit of a burden for our XXXX XXXX

Company response to consumer: Closed with explanation