vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions 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 explanation
Consumer complaint received 2023-04-11 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
On XX/XX/2023 I received two letters from genesis card services regarding a credit card opened up in my name. The first letter was about a credit protection plan offered by them. The second letter stated that the address on the account had changed. The date on these letters was XX/XX/2023 On XX/XX/2023 I checked my transunion credit report and saw that on XX/XX/2023 there was a credit check against my information from genesis card services. 

On XX/XX/2023 I called the number on the letter from genesis card services and reported to them that my information had been used to take out a card in my name. They submitted a report then requested that I submit a complaint through this site. The person stated that I would have to send a letter ( that I will receive from you ) and send it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent over 10 complaints about an address that's on my credit report to Experian and they still haven't removed them, they have responded that they are going to remove the address, and still on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting XXXX, XXXX, experian and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
In reference to previous complaint number XXXX. 

After taking months and multiple erroneous charges to finally fix the issue Fifth third has started to charge me interest again. The promotional offer was supposed to be interest free till XX/XX/XXXX but on XXXX XXXX I was again charged an interest of {$170.00} This just goes to show the level of incompetence at all levels of FifthThird bank and they are not to be trusted to act in an honest and efficient manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've never opened an account with you guys. On my credit report states I have an account with 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 explanation
Consumer complaint received 2023-04-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint will serve as a reminder and also a follow-up to my previous complaint last XX/XX/XXXX. My previous complaint contains these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: SC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I pulled a copy my my credit report and i noticed a collection account that's not mine. I asked the company to verify the account according to the FDCPA and to send documentation of the account showing any contract or signed document and they sent a bill or summary inwhich that is not a Validation of Debt. 

Company Name : CCS COLLECTIONS # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
CFPB File No. XXXX dated XX/XX/XXXX, has found that Hyundai Capital America knowingly XXXXolated of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing Regulation V, 12 C.F.R.pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ). As such, a Consent Order was entered against Hyundai Capital America and laid standards by which they are to abide by in relation to redress. 

On or about XX/XX/XXXX, I received a redress check from Hyundai Capital America in the amount of {$100.00}, which specifically identified myself as a customer that was harmed by their illegal actions and referenced the CFPB case. 

After receiving the redress check, which by the very nature of my receipt of the check, clearly means that I have been wronged by Kia Motors Finance 's actions. I contacted legal counsel, which on XX/XX/XXXX, mailed a letter to Kia Motors Finance directing them to follow through with the directives from the Consent Order, by removing the derogatory information from all 3 credit bureaus, which is still negatively affecting my credit. 

Rather than Kia Motor Finance making the necessary retractions/corrections, after receiving the attorney 's XX/XX/XXXX letter, Kia Motor Finance has restarted the erroneous reporting, which is again in direct violation of the Consent Order. As of today, XX/XX/XXXX Kia Motors Finance has began to actively report erroneously, derogatory information to all 3 credit bureaus. And they sent me a letter on XX/XX/XXXX, stating that the information they are reporting is correct and completely ignored the presence of the Consent Order or the redress check that they mailed me. 

CFPB File No. XXXX continues to be violated by Hyundai Capital America, Kia Motors Finance, which is negatively effecting my 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several letters to Experian for them to remove that bankruptcy that's on my credit that's not mine and they haven't done it. Only XXXX and XXXX delete it. 


Record details Record type XXXX XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( 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 2023-04-11 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: CA

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
I recently checked my credit reports and there is a collection listed from Hunter & Warfield. I lived in that apartment for a total of 5 years and never was the carpet replaced even thought I continued to sign lease. in the lease it states that tenant is only to be charge if damages were from pet. It also states that tenant will not be charge for normal wear and tear. the complex decided to upgrade their apartments after my decision to not renew my lease. them trying to make me pay for more. than 5 year old carpet is ridiculous. Im in the process of trying to buy a house and this collection is causing great distress. I demand that it gets removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: TX

Complaint narrative:
I received a post-judgment discovery from the debt collector today XX/XX/2023, at XXXX XXXX. I was waiting for the court date for the Bench Trial Request received XX/XX/2023, to go before the judge. I am age XXXX and only living off a monthly Social Security check and I have nothing, I do not own anything thing, I do not own a vehicle, and I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was never served a citation by the process server, and a hearing was held on XX/XX/2023, with the process server to provide me with the fraudulent signature of perjury XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd complete a report for my attorney. I am calling the Judicial Branch Certification Commission for the results. Either way, the police shall be called to complete the report. Why is XXXX Johnson Mark LLC continuing to try and acquire my assets when I have none? I am barely alive and barely living? They should know by now that I was never served a citation. It is against the law to try and garnish, secure a levy, etc. with people at age XXXX living solely on Social Security and owning nothing of value for anyone to acquire from me. For the first time, in my life, I am glad to be broke, busted, and disgusted. When will they stop bothering me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
This complaint will serve as a reminder and also a follow-up to my previous complaint last XX/XX/XXXX. My previous complaint contains these erroneous items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime close account after receiving deposit and can't see my credit card account once the closed my online account but I received emailed saying my statements are available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
We applied for a HELOC through the State Employees Credit Union. During the process an appraisal had to be done on the home. The Credit Union initiated an automated valuation at no cost. The appraisal was XXXX. My wife and I opted for a full appraisal at a cost of XXXX because the automated valuation did not take into considerations the upgrades that we had done to the home. To our dismay the full appraisal came back XXXX. Our home was built in 2008. The homes the Appraiser used as comparables homes that were XXXX to XXXX XXXX XXXX with other homes similar in age and structure were available. This significantly impacted the outcome of the appraisal. When I spoke to the person handling the closing of the HELOC she was stunned as well that the full appraisal came in lower than the valuation. We disputed the appraisal and provided comparables for the appraiser for him to consider. The appraiser stuck with his initial results. As XXXX homeowners My wife and I feel the choice of choosing properties that were XXXX years when newer similar models were available was intentional and adversely impacted our property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602, states that I have the Right to privacy. 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
there are inquiries that I don't recognize on my credit report that I would like for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
there are inquiries that I don't recognize on my credit report that I would like for them to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
under the law 15usc 1681 XXXX XXXX XXXX did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything.

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