vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Again, I do this. I wish you have a way for us to draft any case we start. I have to start this all over! 

XXXX had not removed or updated my information. Again, I said I never order anything from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recent new one in XX/XX/year> from XXXX XXXX XXXX What the heck?! I had no desire to buy anything onnXXXX XXXXXXXX! I am puzzled! XXXX needs to stop assume thinking I asked for somethign. I did not! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX was paid on time. No information in my credit report. Another, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX was not mentioned neither. Paid onntime for the space on time! XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was also not mentioned. I paid for the room on time! 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX was not apt I lived at! It was only mails to arrive n for me to pick up. 

Lastly, XXXX and 2 other bureaus assumed so poorly. That is why I suggest you to shut down all 3 bureaus! XXXX said since I lowered the loan, it affected my credit record. What?!?!?!? It is XXXX XXXX who ripped me off by selling me a lemon truck! I asked them to refund and they did not, but for some unknown reason, the loan reduced. They never communicated with me. Though here is the proof of cancelation request form that I asked them for since they sold me a lemon truck and death of my service dog. 

XXXX needs to stop assume and allowd all other affect my credit record. To my knowledge, I dont know why XXXX reduced. They were aupposed to give me a check of over {$5000.00}. XXXX did not add more positive points. It slowly raised and is unacceptable. XXXX and other bureaus are biased and always had been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Went to the XXXX XXXX on XX/XX/year> to look at cars and potentially do a trade in. They ran my credit and all that good stuff. I ended up not getting anything. The salesman was extremely nice up until the point we said no. He kept showing us these binders that said freeway XXXX has the best customer service and sales and etc. I think he was stalling trying to make us wait longer. He passed off to another salesman or manager. 
They were extremely pushy bc I'm guessing it was the end of the monthso they kept repeating. 

On XX/XX/year> l got a letter in the mail from comenity bank saying congratulations you've been approved for the XXXX credit card. I called the customer service number and found out I had a credit card in my name with a limit of {$1500.00}. I immediately closed it and told the service rep I did not open this account. 
The letter was dated XX/XX/year> the day after I went to the dealership. 
I called XXXX and talked to finance department on XX/XX/year> at the time of XXXX. He said oh sometimes you get auto approved. You shouldn't have a balance. I said I'm aware l 've ready called and closed the card out. He was like what you closed it? You know you get 0 % interest and all kinds of other perks. I cut him off & told him I don't need a XXXX credit card. I said thanks and ended the conversation. Sounds like he was trying to cover up something they shouldnt have done.. which is submit an application for a credit card for someone who didnt authorize it. It appears that because I didnt purchased a car from them, the salesmen or whoever decided to submit me for a credit card. Extremely unethical for any business to do. Credit cards were both opened in my name and husbands name. Although, my last name is not even spelled right. 

I also talked to the consumer customer manager I believe it was. Who basically said the same thing as the finance manager and that he was sorry about my experience. He said that is what they do to get you the car they want. I said the salesman did not say anything about signing us up for a credit card I never authorized that. He said this is a learning experience for the salesman and that he shouldve communicated that to me. When you give your information to run your credit on the phone they give you that is when they sign you up. I could not believe they continued to lie to me and say it was normal. 

Ive been to several dealerships just to look and have never been signed up for a credit card even when they have ran my credit. Ive read several other reviews on XXXX saying the same thing happened to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX Please Update all payments, all pay was made on time.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX Please Update all payments, all pay was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
Demand Letter to Porsche Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PMB XXXX XXXX GA XXXX XXXX XXXX Porsche Financial Services RE : Demand for Resolution of Uncompensated Securities Trading and Excessive Repair Delays Dear Porsche Financial Services, I am writing to express my extreme dissatisfaction with several issues related to my account and recent experiences with Porsche. This letter serves as a formal demand for immediate resolution to these concerns.

Unauthorized Securities Trading : I am aware that Porsche Financial Services engages in trading securities based on customer auto purchases. While I understand this practice exists, I have never received any form of compensation for such activities, which I believe is legally required. I demand a full disclosure of any and all trading activities conducted on my behalf, along with any associated compensation I am entitled to. 
Excessive Repair Delays : I have recently encountered severe delays in repairs for multiple Porsche vehicles I own. These delays, exceeding XXXX years for parts manufacturing and delivery, are unacceptable and have caused significant inconvenience and disruption to my life. 
Furthermore, my XXXX XXXX remains unrepaired due to this ongoing parts issue. I find it particularly concerning that Porsche has illegally NOT ALLOWED THE release OF the car from the car from the repair shop as well! LEAVING ME WITHOUT transportation. 
Demand for Immediate Resolution : I demand immediate action to address these issues : Full disclosure and compensation for any unauthorized securities trading. 
Expedited acquisition and installation of necessary parts to complete repairs on all affected vehicles, including my XXXX. 
MATTER FACT REPLACE MY XXXX I WANT A XXXX ASAP I have been a loyal XXXX customer for many years, owning multiple vehicles and engaging in financial services with your company. However, the current situation is utterly unacceptable and has severely damaged my trust in XXXX. 
I expect a prompt and comprehensive response outlining a clear plan to address my demands. I am available to discuss this matter further at your earliest convenience. Failure to provide a satisfactory resolution within a reasonable timeframe will force me to pursue legal action to protect my rights and interests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to file a formal complaint regarding the several fraudulent attempts. Despite repeated efforts to mitigate these fraudulent activities, they persist, causing significant distress and financial loss. 

Upon reviewing my credit report, I noticed several unauthorized transactions, which I believe to be the result of fraudulent activity. These include any relevant accounts numbers or transaction references. I can assure you that I did not initiate or authorize any of these transactions, and they are, therefore, fraudulent in nature. 

I have taken the necessary steps to protect my accounts. Furthermore, I have attached supporting documentation, including any supporting documents to assist in your investigation and expedite the removal process. 

I request that you promptly investigate these fraudulent items and take appropriate action to remove them from my credit report. Additionally, I urge you to implement additional security measures to prevent similar incidents from occurring in the future and to ensure the integrity of your systems and services. 

I have attached relevant documentation to substantiate these claims. Additionally, I urge you to conduct a thorough investigation into these incidents and take immediate action to prevent further occurrences. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
On XXXX XX/XX/2024, accepted a " settle for less '' offer from Chase for a charged off credit card. Requested amount for the settle for less offer was paid as requested. My credit report is still showing the balance of the account as {$3000.00} past due after completing the settle for less agreement as of XXXX XX/XX/2024, and XX/XX/2024 was reported as a charge off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting 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:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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