vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: WY

Complaint narrative:
XXXX - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX  I am also attaching the Fraudulent XXXX  account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$XXXX} IF AND WHEN IT COMES IN TO MY PROFILE .... 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 explanation
Consumer complaint received 2023-02-01 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: WY

Complaint narrative:
XXXX - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX  I am also attaching the Fraudulent Foriva account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$2100.00} IF AND WHEN IT COMES IN TO MY PROFILE .... PLEASE REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-02-01 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-01 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 did realize that all three Credit Report Agencies have several hard inquiries in my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 did realize that all three Credit Report XXXX have several hard inquiries in my credit report that I do not recognize.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Main Resolution Group
State: CA

Complaint narrative:
I was called by a XXXX XXXX from Main resolution group saying they are to retrieve a statement about a complaint filed by their client. This was on XX/XX/2023 at XXXX XXXX and that I only have 48 hours to respond with a formal statement. He gave me a different number then the one he called me on and I was informed that he also called and bothered my parents. I have not received any written notice or anything like that about the debt they are supposedly trying to get. He called from XXXX but wanted me to call XXXX extension XXXX. I tried emailing the company and never received a response as I dont get good reception where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX Chase emailed me a promotional offer for my XXXX credit card : " you can earn 10X Bonus Points at gas stations and 5X total Bonus Points on XXXX and at grocery stores for every {$1.00} you spend up to {$1500.00} in combined purchases. * '' Pictures of the email are attached.

I clicked the offer to activate it but the confirmation showed another offer, which was not mentioned in the email. 

On XX/XX/XXXX I spent a total of {$1400.00} at XXXX gas station over two transactions. No bonus points were awarded for these purchases, just the standard 1 point per dollar. I contacted Chase through their secure message center and was told I was not eligible for the offer that was emailed to me. They asked for screenshots of the email offer, which I provided. After that, they still did not honor the offer. The last message ( received XX/XX/XXXX ) stated : " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At this point, I decided filing with the Consumer Financial Protections Bureau was my only option.

In my opinion, this is a bait and switch tactic by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1680 section 602 a state i have the right to privacy.

15 U.S.C 1681 section 602 a section 2 the off state consumer report agency can not report 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 non-monetary relief
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that a closed account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and transunion credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open for transunion : XX/XX/2022, Date open for XXXX : XX/XX/2022. Both are reporting different dates, I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2023-02-01 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-01 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for my first and only credit card with Capital One and got approved on XXXX, XXXX XXXX. After only having my card for a short period I finally got my credit report which showed that I had two open credit card accounts. I was wrongfully put on a parents credit card as an authorized user without my knowledge or consent. They did not make payments on this card which affected my credit before I ever got what I thought was my first credit card which as of XXXX, XXXX XXXX I have only had for 7 months. My authorization for the delinquent card was terminated XXXX, XXXX XXXX through Capital One. When I questioned the company about if the delinquent cards information would still affect my credit I was told they could not remove it from my credit history and that I would have to contact the credit bureau. Since having my credit card I have made 100 % of my payments on time however because the delinquent card is still in my credit history it shows my on time payments are only at 74 %. My credit is at a below average score of 523 due to no fault of my own and has impacted my life when applying for other credit cards and loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: LA

Complaint narrative:
Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 Equifax date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: LA

Complaint narrative:
Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 XXXX date open XX/XX/2019 Experian date open XX/XX/2019 Past due XXXX Disputed

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 2023-02-01 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-01 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-01 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:
IN accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Name ... XXXX XXXX XXXX Account # XXXX Name ... XXXX XXXX XXXX # XXXX Name ... XXXX XXXX XXXX XXXX. # XXXX Name ... XXXX XXXX XXXXXXXX .. Account # XXXX Name.. XXXX XXXX in # XXXX Name.. XXXX XXXX ... Account # XXXX Name.. XXXX.. Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
IN accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c. XXXX XXXX XXXX XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Name ... XXXX XXXX XXXX Account # XXXX Name ... XXXX XXXX Account # XXXX Name ..XXXX XXXX XXXX XXXX XXXX # XXXX Name ... XXXX XXXX XXXX .. Account # XXXX Name.. XXXX XXXX in # XXXX Name.. XXXX  XXXX ... Account # XXXX Name.. XXXX. Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was approved for American Express credit card that I did not open. I called to cancel but the credit card is being shipped to me still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
Upon checking my consumer report, I notice that someone fraudulently access my identifying personal information without my consent or lawful authority. I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove inquiry below. 
XXXX. XXXX XXXX XXXX DELETE NOW Failure to comply under the Fair Credit Reporting Act and my right to privacy I shall escalate this matter causing me harm and injuries to my reputation and mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Southeast Toyota Finance repo my vehicle, after getting a notice of violation of my right to recession of the contract within XXXX XXXX Notice was sent to them and it was ignored. according 15 U.S Code 1635 ( a ) I was never notified in writing about my right to rescind the contract. So the contract is void and null, they still harassed me collection of the voided contract. There was financial and emotional damaged caused by their business malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
when i visited XXXX  all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.

Company response to consumer: Closed with explanation