vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Dear Equifax, I am writing concerning information on my consumer report that is a direct result of identity theft. I have not provided written or expressed permission or instructions for the below identified inquiries to be reported on my consumer report. I am requesting that the information be blocked and deleted. This request to block is not being made in error, nor is my request to block being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-23 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: GA

Complaint narrative:
I had the credit bureau 's to verify public records on credit report information they come back with a response that they have verified with the federal courts. Federal courts has sent a letter they do not verify with any agency. So it is clear for that matter you told a lie. A letter from the federal court is attached.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone changed my information ( phone number, address ) on my Capital One credit card account. This has been happing several times from XXXX XXXX XXXX XXXX XX/XX/2023. I contacted Capital One but it keep repeating. I eventually closed the account on XXXX XXXX. On XX/XX/2023 I received alert the through email that someone has applied a Capital One credit card under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I have out numerous hard inquiries that I don't recognize on my account.

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 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX I took a loan from Toyota Financial Services for {$50000.00} for a used car with monthly payments of {$920.00} and a maturity date of XX/XX/XXXX. 
I paid {$920.00} per month each month since then. 
On XX/XX/XXXX I paid an additional {$5000.00} to the principal of the loan. 
After that, TFS sent me an invoice saying I didn't need to pay my loan for the following 6 months. But I called them to clarify that I wanted to continue making payments each month but that I expected that the maturity date of the loan would change to an earlier date. One customer service person told me that this was correct. But the next invoice had the same maturity date of XX/XX/XXXX. I've now spoken with 5 different people including 2 " resolutions '' people who said that the maturity date does NOT change even if I make an extra payment to the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I relocated from XXXX  to XXXX, and while moving, I was using my card ( ending in XXXX ) and making charges. The card was lost or stolen at some point because I could no longer locate it. I called Chase and explained what happened. They said they would close the card and issue me a new one. The new card ( ending in XXXX ) was finally received. 

When reconciling my bank account online, I noticed charges to the new card. These charges concerned me because I had never ( and still have not ) activated the new card. I called Chase to inform them that these charges were fraud because [ again ] the card had not been activated or used to make any purchases. Chase continued to ask me about charges to the 'previously lost or stolen card ' and I kept telling them I was calling about unauthorized charges on the new card. I received my credit card statement and saw the charges were still there, so I wrote that the charges were fraudulent and mailed the statement back to Chase ( at the address on the card statement ) disputing the charges. I am still waiting to hear from Chase regarding the dispute ( fraudulent charges ). 

XXXX, XX/XX/2022, I went to balance my account ( via mobile services ) and noticed that Chase authorized additional charges to the new card. XXXX, XX/XX/2022, I called Chase to speak to them about this, and the customer service agent ( XXXX XXXX told me that they had linked the lost or stolen card to the new card, and the charges were 'subscriptions. ' So, I understood the agent to say that Chase will close a lost or stolen card and issue a new card but link the new card to the lost or stolen card. I asked the agent if my understanding was correct, and she said yes. The agent said that because they are subscriptions, they are authorized subscriptions. I attempted to explain that I would not be held responsible for charges I did not make. The agent interrupted me and said she 'never said I was responsible ' I ended the call in anger and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main Financial located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has placed an inquiry on my XXXX credit file dated XX/XX/2023. I have never given One Main Financial permission to do so. I do not have a contract with One Main Financial. 

OTHER FACTS : I live in XXXX XXXX XXXX, I would never apply to an in-branch loan company so far away in XXXX XXXX when there are local branches here. This is affecting my credit score. 

I disputed this inquiry with XXXX on XX/XX/2023 and they returned the results the same day ( Confirmation # XXXX ). It appears no re-investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XXXX XXXX XXXX has submitted a debit in my name to a debit collector. I have two insurance providers which should have been billed but were not. This is now reflected on my credit as of XX/XX/23 when I have worked so hard to improve my credit. I have told the company to contact the hospital to send the billing to XXXX  to no avail. The company that reported to my credit and who has been harassing me is MERCHANT CREDIT GUIDE CO @ XXXX. The amount is {$570.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NH

Complaint narrative:
It is still current on my credit after they sold the debt to a 3rd party which is illegal under the fair credit act. 
They have PUNISHED MY CREDIT BY DROPPING MY SCORE BY XXXX POINTS AT A TIME EVERY TIME I CONTACT THEM TO ADDRESS THIS ISSUE. THEY NEED TO PRODUCE MY SIGNATURE ON DOCUMENTS THEY ARE ACCUSING ME OF OWNING! WHEN I HAVE CONTACTED THEM THEY HAVE BEEN VIOLENTLY RUDE TREATING ME WITH DISGUST AND CONTEMPT AND HAVE HUNG UP ON ME AND THEY STILL HAVENT COMPENSATED ME FOR THE FIRST LAWSUIT MY IDENTITY WAS INVOLVED AND I FILED THAT COMPLAINT!

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 2023-12-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as XXXX, XXXX and XXXX XXXX . Navy Federal Credit Union has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the Navy Federal Credit Union and the XXXX, XXXX and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to Navy Federal to cease their reporting of my private information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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:
XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has placed an inquiry on my Equifax credit file dated XX/XX/. I have never given XXXX XXXX XXXX permission to do so. I do not have a contract with XXXX XXXX XXXX. 

OTHER FACTS : I live in XXXX XXXX, TX, I would never apply to an in-branch loan company so far away in XXXX, CA when there are local branches here. This is affecting my credit score. 

I disputed this inquiry with Equifax on XX/XX/XXXX  and they returned the results the same day ( Confirmation # XXXX ). It appears no re-investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
I need Experian to correct my credit report by removing six incorrect addresses and adding my correct address. I have already sent a dispute letter, and one address has been deleted, but all six 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 2023-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I originally made the complaint and AMEX reached out but we were unable to connect consistently, and they 'closed " the case.. so to retell the story : I received gift cards to for the holidays, I can not use the cards anywhere, I have tried online multiple times, as well as in brick and mortar stores, they simply do not work. If you go on the AMEX gift card website, it says that there are funds in the card but they are consistently declined, everywhere. I called AMEX customer service and they can not offer me any type of resolution. They do not tell me where I can and can not use the cards ( their website falsely advertising that they can be used online and in person wherever AMEX is accepted ) They can not transfer balances for the unusable cards to a new physical card or somehow to my AMEX account, and they can not offer me a refund. It seems like they have designed their systems to skim a few dollars from the american consumer. They hold our legal tender hostage and tell us that there is nothing they can do about it. They have falsely advertised their products to be used anywhere AmericanExpress cards are used, which again, is completely false! I can not reach a resolution with AMEX customer service. I am happy to submit gift card numbers, serial numbers, original tracking numbers as well. please help! this isn't fair, and it's the holiday season, when we needed to use them. We paid a lot of money for this. Whatever you need please email me and i will submit all necessary documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested all unauthorized inquiries be removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over 90 days ago I requested Experian and XXXX to remove a late payment that they are mis reporting on my credit report. They failed to do a resonable investigation and lied that they had completed their infestation. 

I would like to be sent proof of this investigation that verifies that what they are claiming ( 30 day late payment ) in fact is the case. I am requesting they spoke to and what documents they received to ensure accuracy in what they are reporting. 

I HAVE NEVER BEEN LATE WITH A PAYMENT TO ANYONE. and would like to be shown proof that they received to be reporting a late payment. 



Their late payment shows the following XXXX XXXX. XXXX  30 days late. account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Chime Financial Inc
State: GA

Complaint narrative:
In response to Chime Disputes Team rearding Non-Receipt of Goods or Services ; Claim ID : XXXX ; Date Error Reported : XXXX ; Claim Amount : {$880.00} : Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

I own a record label and employ marketing services for XXXX promotions. The services provided by the merchant were fake artificial streams and not organic streams as advertised. Streaming fraud is against XXXX XXXX. XXXX confirmed with my distributor, and my distributor confirmed with me that the service used artificial streaming methods. Refer to submitted documents indicating that the streams from the service the merchant provided were fake bot streams to a song we paid for. A letter was sent to the merchant addressing the fraudulent services provided and requesting a full refund. The merchant did not respond or refund. Refer to submitted documents that were sent to the merchant. It is my position that a billing error did occur due to Non-Receipt of Goods or Services which is the basis of this complaint. I did not receive services as advertised. 

The services that the merchant provided were fraudulent according to XXXX leaving me at a loss of not only revenue to be gained from the service, but also a loss of money spent on fraudulent services. That says to me Non-Receipt of Goods or Services. For this reason, I am asking that you look into this matter for a favorable resolution. 

XXXX XXXX XXXXXXXX XXXX  Account Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requested all unauthorized inquiries be removed from my account

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested all unauthorized inquiries be removed from my account

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have contacted XXXX and XXXX for the deletion of the hard inquiries and also the dealership and the Bank involved. I dint authorized at all

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 2023-12-23 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: FL

Complaint narrative:
After disputing incorrect information on my credit report, for which I requested the method of verification and detailed information about the contact they had with the individuals reporting inquiries on my credit report, which, under the FCRA law, do not serve any permissible purpose such as a firm offer of personal credit, employment, insurance, or a court order, and are not within my knowledge, I am requesting their immediate removal from my credit report as they are causing damage to my personal credit history. Despite several dispute attempts, I have not found a solution to my problem. I am once again asking you to reconsider my dispute and provide detailed information on the investigation ; otherwise, I request the immediate removal of these inquiries 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