vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA. My desire is to have these inquires removed from my credit report : 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

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 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These companies ran my credit multiple times without my permission.

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 2022-08-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
These companies ran my credit multiple times without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: FL

Complaint narrative:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I received a delivery via XXXX XXXX on XX/XX/XXXX from XXXX of items that were fraudulently ordered in my name. I discovered through XXXX fraud department that a credit card account with Genesis FS Card Services was set up fraudulently in my name. I have contacted XXXX to dispute the Genesis FS Card Services account and I have also written a multiple letters to Genesis FS Card Services disputing this fraudulent account. XXXX alerted their Fraud Team of this issue. XXXX was able to reroute additional items that were part of the fraudulent order. XXXX employee XXXX XXXX stated in an email to hold onto the items delivered until XX/XX/XXXX. XXXX XXXX stated that if I did not from XXXX 's credit recovery team I was to go ahead and dispose/donate the items received fraudulently. I did not receive any further communication regarding this matter from XXXX. I have requested that XXXX retrieve their items to no avail. Genesis FS Card Services insists that I owe {$820.00} for the items fraudulently ordered in my name. I have disputed these charges by writing multiple letters to Genesis FS Card Services. I want the fraudulent charges credited to the fraudulent Genesis FS Card Services account and the account closed. Any adverse information on my credit report needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX is violating the law in plain sight all while thumbing their nose at the CFPB rendering them powerless. They continue to say they've done an investigation of this Bankruptcy knowing full well the statutes which govern these investigations 15 U.S.C section 1681 was never followed. They're simply using e-OSCAR and their own internal data to keep this on my credit bureau report. The CFPB KNOWS THEY'RE not following the law in investigating this " have you spoken with neighbors, friends or coworkers, etc. ) as the statute dictates, rather allowing them to get away with these egregious acts. I went to the US Bankruptcy Court, XXXX XXXX of Texas, Clerk of the Court, XXXX XXXX 's office, they stated they neither report nor verify bankruptcies to credit bureaus. So, if Equifax says they've followed the law in investigating my complaint they're lying and the CFPB knows it, this is where the 2 % of responses to CFPB complaints comes from, then it begs is the CFPB reading consumer complaints or complicit in the lawlessness of the three major credit bureaus. How can they continue to be in violation of the Fair Credit Reporting Act without impunity? This account is unverified, and they know it. If the CFPB continues to allow consumer with no redress, where do we go to hold them accountable. It's in Equifax 's best interest to break the law and flaunt it, while I suffer, they make money off keeping this and selling it to 3rd parties, e-OSCAR is not proper validation, these companies need to be reined in or it will continue to look as if the CFPB is complicit. Make them follow the law and take this bk off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have an XXXX XXXX account that returned a deposit back to CHIME. Hence it was a deposit or a credit to my Chime checking account. Two small verifying deposits from XXXX XXXX into CHIME had been made a few days previous. When the amount of {$700.00} was returned back into the CHIME account, CHIME locked my account. I was unable to pay rent or buy gas to get to my job, I'm not able to buy food and my Social Security has since been deposited into this CHIME account which I now also don't have access to. I have access to NONE of my money. I'm a XXXX  citizen and this is outrageous and affecting my health. I have made 6 phone calls to CHIME and have sent them the documentation they demanded in order to unlock my account. It is still locked, and I have no food, my dogs have no food, and am going to lose my apartment, and I'm this has changed my entire life. I am distraught and have no recourse against this company. Oh my goodness this is killing me. Please help me. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
NO customer protection from scams. Misleads customer that it is safe platform. No accountability. 

Both Chase bank and XXXX refuse to reverse transactions to scammers ( with evidence ) when the transaction is still marked as PENDING. Chase and XXXX pass the responsibility to the other one. 

Non-existent customer service can not get ahold of any human at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Received credit alert about a capital One credit card opened in my name. Called Capitol One and notified them of potential fraud, it was for a Walmart card???. Then called ID protection XXXX. 
Daughter received same notification same day. 
Was this due to my XXXX  router and WIFI being changed out??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received a bill from Midland Credit management that i did not recognize so on XX/XX/XXXX I sent them a letter requesting validation pursuant to FDCPA 15 USC 1692g. I requested a Creditor/Debt Declaration ( a form was attached to letter ) documents and information and requested that they respond within 30 days or request the account be deleted and removed from my credit file and a copy of deletion request be sent to me. On XX/XX/XXXX I received another statement without validation or documents. Then on XX/XX/XXXX I received a XXXX envelope that contained another statement and pamphlet on debunking collection myths. I didn't know why they would spend money on XXXX without sending any documents. At this point i called them, and the 1st person i talked to claimed they had sent me the documents and information but it was sent to the wrong address even though they had my address, he said he will connect me to " regional support staff '' who said they sent me the information in XXXX  and said since i didn't get it he would send it to me again now, I told him no that at this stage I wanted him to remove the information from my credit file, and to cease and desist all communication with me. ( I still have the recording of the conversation ). On XX/XX/XXXX i again received correspondence from them dated after i asked them to cease and desist. So I sent another letter also requesting that they cease and desist, this time with a return receipt which they stamped XX/XX/XXXX ( although it was delivered on XX/XX/XXXX at XXXX XXXX ) And again, today XX/XX/XXXX I received some more correspondence dated XXXX XXXX. It looks as though they closed the account on XX/XX/XXXX and the information is still apart of my credit history as a closed account or collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is reporting an account that was opened under identity theft. I do not have a XXXX phone plan period.

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 2022-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA When these account are on my credit report and they aren't my accounts XXXX XXXX Date opened XX/XX/XXXX date closed XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX date closed XX/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 2022-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is reporting an account that was opened under identity theft. I do not have a XXXX phone plan period.

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 2022-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I did not get papers served to me in person. The process server lied and said I was avoiding service. The server taped the papers on my front door and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA With a a company XXXX which was opened on XX/XX/XXXX and closed in XX/XX/XXXX with negative information on my credit report surrounding this account.

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