vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: GA

Complaint narrative:
2nd Request On XX/XX/22 I informed XXXX that it was XXXX fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. XXXX and XXXX XXXX failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of XXXX per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and 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 2022-05-05 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: OH

Complaint narrative:
On XX/XX/2022, I filed an online application. For a HELOC with my bank, XXXX. Starting Monday late morning until today, I have received numerous calls from creditors noting that they received information from Experian that I was looking for a mortgage product. 

To be clear, I did not go to an website looking for the best offer. I started a business transaction with XXXX directly. After receiving a request from XXXX to check my credit, Experian shared that request with everyone in that industry. As a result, my phone is now being spammed with 15 - 20 calls a day. This incident is impacting my business.

Are credit reporting agencies permitted to share your request with anyone at any time without permission or regard for the individuals privacy? It is my strong opinion that I have been victimized by Experian. XXXX is also a victim in this case as experian shared their request and now everyone in the industry is attempting steal their business.

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 2022-05-05 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Somewhere in the last days of XXXX of last year I lost my wallet and my phone at the casino. Which included all my cards and personal information. About a week after that incident the casino got a hold of me and said my belongings had been found and turned in. Now I have this consumer report of some fraudulent activity which I have no idea of and honestly this has been really overwhelming time for me I cant bank with anyone, anything I apply for gets denied automatically its been ruining my life I have disputed multiple times and no body has seem to care or want to help me With my situation am begging for some help I believe I am a victim of identity theft.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to Self Inc business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-05-05 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: The CBE Group, Inc.
State: FL

Complaint narrative:
This collection agency is using an intimidation tactic by placing this information on my credit report to try to collect a debt that does NOT belong to me, I HAVE NO signed contracts with them, OR THEIR CLIENT. I am considering filing a lawsuit for violating the FAIR DEBT COLLECTION PRACTICES ACT For each violation uncovered and for each credit report this account is listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC section 602 states i have the right to privacy.

15 USC1681 section 604 A section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I recently sold some stock from my investment account with XXXX and was looking to access the cash quickly for bills I had due. As such, I have a newer ( less than six months ) Chase bank account opened, that I wanted to the funds to go to. As a result, I opened my chase app, found my account number, and wire routing number. I specifically, found the wire routing number because I know its different from the regular routing number as I have sent wires in the past. I complete the outgoing wire process with XXXX, and wait. They say it can take up to 24 hours, but usually it only take 2-4 hours if that. This was on XX/XX/2022, at XXXX XXXX XXXX  time. By XXXX, Im in the phone with Chase and they notify me that my type of account ( whatever that means ) can send or receive wire transfers. At this point my XXXX is on the floor, and I am completely confused, concerned, and just worried. 

The first agent I speak with at chase tells me not to worry we can convert your current account into an account that can receive wires. He walks me through all the information you must share with a customer opening a new account essentially. Then at the end, he tells me Im having a system issue and I cant do it. Please go to a local branch, they will be able to do it. Confused, I say ok, but request to speak to someone who knows more about and or deals with wire transfers. Once transferred I share my situation with her, she tells me shes never heard of any chase account that cant accept wires, and advises that the previous teammate has no idea of what they are talking about. She places me on hold, comes back to the line to tell me she was wrong, and there are accounts like mines that cant accept wires. She advises that the wire will come in that day sometime, be rejected, and sent back to where it came from. Its been over 24 hours and chase has yet to receive my wire. Im not upset with XXXX  because I have previously did this with my XXXX XXXX XXXX  account and had no issues whatsoever, so this isnt an XXXX thing, its a chase thing. XXXX provides me with this reference number XXXX ; however, chase swears they cant do anything with it. This is unacceptable for many reasons. First if my account cant accept wires, dont provide me with the wire routing number in the app. It shouldnt be available to me, because that insinuates that I can send or receive wires. Next, your customer service against telling me completely different things, because I later called chase that same day on XX/XX/XXXX, and they advise me that accounts cant be converted at all. Id have to open a brand new account, I can not simply upgrade my account. I have XXXX plus dollar sitting in transit somewhere and chase wont do anything to help me! They later sent me a letter saying the issue has been resolved, when nothing has been resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
XXXX XXXX account XXXX is a fraudulent account on my credit fe that has been disputed and added to my identity theft report. Please remove.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My payment due date on this vehicle purchased through Ally Auto XXXX  was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.

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 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Tried to file dispute with Experian, XXXX and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.

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 2022-05-05 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed my credit reports on Experian, XXXX and XXXX. I noticed all three bureaus had hard inquiries which I did not give my authorization. I put my dispute in the form of a letter, to all three bureaus, detailing my concern. I included a copy of my Drivers License and Social Security card as instructed. 

I made a follow up call and was told by all XXXX to contact the companies who made the inquiries. I was unable to get phone numbers to most and not able to get in touch with the rest. 

I insist Experian, XXXX and XXXX are forced to remove the inquiries immediately. I did not authorize any of the inquiries. All three bureaus are Illegally posting these inquiries, harming my credit score, as well as my reputation and must 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 explanation
Consumer complaint received 2022-05-05 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX  XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: VA

Complaint narrative:
Company is changing past due balance and date of last payment on credit report in an attempt to re-age an account that was about to fall off due to the age of the account, now it will not be removed when it was supposed to. I attempted to dispute the erroneous charges and dates with no success. Account is supposed to be deleted from credit report once caught re-aging accounts according the fair credit reporting act.

Company response to consumer: Closed with explanation