vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX calls in the last 60 days from a variety of numbers. From this number - ( XXXX ) XXXX XXXX ( last 60 days ) - from this one ( XXXX ) XXXX XXXX from this ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX in last 60 days - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My personal information was stolen from my car in 2020. I filed a police report. This is how they were able to steal my identity. They opened an credit account with Chase bank. ( I have never been affiliated with any bank other than XXXX  XXXX XXXX ) They took out almost XXXX dollars under my name. The reason it took my until now to file the report is because the perpetrator used another phone number and address for this account. So, Chase bank was never able to contact me. I have all the police reports and transactions made for that account in a PDF. I am unable to attach the transaction in this claim because the file is to large. But I do have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
In accordance with the fait credit reporting act XXXX  account number 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 XXXXal

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 2022-05-02 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: SC

Complaint narrative:
In accordance with the fait credit reporting act XXXX  account number 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

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 2022-05-02 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: SC

Complaint narrative:
In accordance with the fait credit reporting act XXXX  account number 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 2022-05-02 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: OH

Complaint narrative:
15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent

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 2022-05-02 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: OH

Complaint narrative:
15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter. 

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.

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 2022-05-02 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: NJ

Complaint narrative:
A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter.

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
XXXX, XXXX, Equifax XX/XX/XXXX, I sent my 4th and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- 15USC1681B. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
XXXX, Transunion, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!

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 2022-05-02 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: GA

Complaint narrative:
Experian, XXXX, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!

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 2022-05-02 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-05-02 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: NY

Complaint narrative:
I have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2022-05-02 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: LA

Complaint narrative:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$7500.00} Date Opened : 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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XX/XX/2022 XXXX XXXX, I received a message from Goldman Sachs for the Apple card stating I was denied due to them being unable to verify my identity. After talking to a customer service representative they still couldn't help me with verifying My identity. After trying countless of times. This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # XXXXhas 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 non-monetary relief
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # XXXXhas 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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: MN

Complaint narrative:
Hi, I did pay my phone in full to unlocked it in XX/XX/XXXX and finish my membership the amount was XXXX $ under the phone number XXXX, then I switched over XXXX career on XX/XX/XXXX, since that time XXXX  keep charging me around XXXX $ a month for a phone number that I've never had which is XXXX and if you call this phone number is out of service, I did talked to an agent he said he gon na fix it and will never charge me again, although the month after, they charge me again I did call my bank to stop letting them take the money, in the XX/XX/XXXX wich is 2 days ago I did talked to them again but not solve the issue they were just confused because they were mistaken and said your case is now at the collection, and now they keep bothering me with a bills that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express Hilton Honors New Card : Applied to a solicited offer made by American Express Company on their website that would give XXXX miles if the cardholder spend {$1000.00} within the first 90 days. 

We made promotional spending amount but did not see the XXXX miles credited to our Hilton Honors account. We called American Express to enquire and were told by the American Express employees ( XXXX and XXXX XXXX that I did not qualify for : 1. First rationale : Bad credit history. When I shared that my XXXX score is XXXX out of XXXX they changed storyline. Changed storyline to second rationale after I shared my XXXX scores looking at the XXXX XXXX for the last 6 months. 
2. Second rationale : American Express communicated that they will not offer the promotion to me based on my credit history and I still accepted the credit card. I did not receive communication of this when our cards were sent in the email. I would love to see the letter sent via regular mail. 

It is truly Unimaginable that American Express is now engaged in scamming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: FL

Complaint narrative:
XX/XX/2022 CREDCO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. We have already disputed these accounts.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XX/XX/2022 at XXXX XXXX I've received a email from Goldman Sachs stating I was denied for the XXXX card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " we're unable to verify your identity '' .This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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