vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: PA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX XXXX XXXX XXXX All hard inquiries has violated my rights. 

I looked at my XXXX, Equifax, report on XX/XX/XXXX through XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: Westlake Services, LLC
State: GA

Complaint narrative:
After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are XXXX XXXX XXXX XXXX XXXX Westlake services XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on 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 explanation
Consumer complaint received 2024-09-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX  - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name XXXX XXXX EXPERIAN Issue Action XXXX XXXX - XXXX XXXX XXXX XXXX  Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). 
In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

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 2024-09-01 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:
There are several unauthorized hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is an old cellphone bill from t mobile. They sent it to a collection agency before I could pay it. Instead of contact time they sent the information to my mother in regards to the debt by email and she forwarded the email to me. This company then goes on to create duplicate entries on my credit report for the same debt to make it look like I owe multiple 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 2024-09-01 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: FL

Complaint narrative:
To my knowledge, I have not signed any documents authorizing XXXX XXXX XXXX to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2024-09-01 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: FL

Complaint narrative:
To my knowledge, I have not signed any documents authorizing XXXX XXXX organization to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2024-09-01 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: FL

Complaint narrative:
To my knowledge, I have not signed any documents authorizing XXXX XXXX organization to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I disputed a charge for XXXX XXXX XXXX XXXX XXXX which XXXX XXXX XXXX charged after I cancelled service and for a month in which I did not have service. Citi summarily denied my dispute request without contacting me for additional information and without providing me XXXX XXXX XXXX response, despite the letter posted to my account stating otherwise. Citi also did not notify me of this denial any way other than merely posting a notice in my online 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 monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion website has been down for days. They do not have a way to reach anyone to freeze your account. There is no email and when you use their customer service phone number they drop the call after stating they are transferring you to an agent. If you select a call back instead fo a transfer you provide your phone number and receive no callback. There is a national data breach that I was notified of by my US Government monitoring service my social security number is now on the dark web. I have frozen my credit reports with their other services easily on their website or over the phone.

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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I want to file a scam report. I was scammed out of {$470.00} for concert tickets. I contacted my bank ( BoA ) and filed a claim but I fear that they wont accept it. Im saving for college and this money is a lot to me.

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 2024-09-01 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: VA

Complaint narrative:
THIS IS NOT DUPLICATE REPORT. 
Experian is inaccurately violating the FTC Section 605a,4, ( c ) .Reporting multiple charge off start dates ( XX/XX/XXXX, XX/XX/XXXX ) and recording a payment being falsely made in XX/XX/XXXX deceitfully extending the FTC XXXX XXXX to XXXX causing Experian to violate FTC XXXX. I informed Experian of these violations of the illegal reporting and all they did was update balances date which illegally extends the Virginia 8.3A-118. Statute of limitations.This account has been updated XXXX times over the past XXXX  years which has illegally kept my account forever in statue of limitation range by not starting statue of limitations timer which is a violation of my consumer rights.This is standard illegal practice among unsuspecting consumers and needs to be corrected immediately. Exeprian actively knew the information was false and tried to update this information inaccurately.

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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I recently got robbed by XXXX XXXX XXXX, a blatant auto dealer that deceives consumers. On XX/XX/year>, after hours, I dropped off my XXXX XXXX due to a leak in the cooling system. The following day, XX/XX/year>, I received a phone call from XXXX XXXX, who identified himself as the service advisor. XXXX XXXX informed me of a radiator leak, even though I had replaced the radiator two years ago following my XX/XX/XXXX. 

I had previously inspected the vehicle and found no visible external leaks. In other words, there was no external evidence of a leak. Who else can you trust if not a reputable XXXX dealer? They charged {$1700.00} to my XXXX XXXX credit card. Fortunately, XXXX XXXX promptly reversed the charges due to numerous complaints they have received. 

After picking up the vehicle, I noticed the cooling system warning reappeared after driving only a few miles. On XX/XX/year>, I returned the vehicle to the shop, where they claimed to have found a leaking upper radiator hose and charged {$440.00} to my Ally credit card. 

However, the problem persisted. On XX/XX/year>, after further inspection, they claimed the thermostat housing was leaking and charged an additional {$590.00}. 

This dealerships actions constitute a legal entity engaged in a despicable scam. 

Finally, enough is enough. Despite my eagerness to uncover the mystery leaks location, I took the vehicle to XXXX XXXX, where they confirmed the leak is internal in the cylinders. The work performed by XXXX XXXX was fraudulent and illegal, and all charges on my Ally credit card must be promptly reversed without further delay or inconvenience.

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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX I went to chase to deposit cash. It looked busy inside, so I decide to deposit the cash {$2600.00} via the atm. I have done this before and never had an issue. The entire {$2600.00} were {$20.00} bills. I put the first chunk in and heard it counting and then I chose the deposit more option and put the second handful of XXXX XXXX in. It was counting and then a message popped up saying too many items to read. None of the extra bills dispensed out and a receipt spit out saying to call them if my deposit didnt go through. On the screen it showed a message of this atm can not accept or dispense cash payments. Ive never had this happen before. I go into the branch very upset and then in tears explaining what happened. The woman I was directly talking to told me to call the number in the receipt and told me to try to stay calm. I went over to a seated area in the branch and reported the claim and she told me to rest assured the money would show in my account in 1-2 hours. I still felt very uneasy about even leaving as that money was to pay our mortgage and car payment. Not to mention its a long holiday weekend and my husband is out of of town and I had less than {$20.00} to my name. This was all around XXXX est. I logged into chase I can not even count how many times. The money still wasnt in there. Friday night, I called again and got a XXXX from chase. She assured me they were actively working on it and best case scenario it would in my account Saturday, XX/XX/XXXX and worst case scenario Sunday, XXXX. I said what happens when I wake up Sunday and its not there. She said that wont happen but if it wasnt to call them. I even said even though its a weekend and holiday on Monday. She said they work 24/7 and dont get holidays. She told me to rest assured it was going to be in there. Saturday came and it wasnt there. Yesterday I called chase yet again to get an update. I got a gentleman who told me I was given incorrect information. That the back office is closed on the weekends and the system was waiting for the back office to do a system override. He said this could take 1-2 business days up to 10. I have mortgage and car payment due on XXXX - my husband is out of town and Ive been left with no help - no resolution - no money. I havent slept since this has happened and have had XXXX XXXX XXXX XXXX because of this. If there are cameras all over the atm I would hope it saw everything that happened not to mention me going into the brand crying and upset. Can someone please help me get my {$2600.00} back?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: NM

Complaint narrative:
All of a sudden I had a collections show up on my credit report from XXXX XXXX When it first showed up it said Original Creditor was XXXX store XXXX for a returned check. For one, XXXX doesnt accept checks as a form of payment. I have never shopped at this store as it is over XXXX miles from my home. I tried calling the number listed for the collections a my credit report and none of the numbers are even working numbers. I disputed with XXXX who took this off my credit. XXXX and XXXX has not taken it off even after multiple disputes. The XXXX  has reviews of these companies showing scams regarding returned checks and fraudulent debt collections. This needs to be removed from my credit reports as it is not mine! Ive never received correspondence in the mail for this fraud collection it just showed up on my credit report one day. This needs to come off my credit as it is hurting my credit and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX XXXX which falls under XXXX XXXX  according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are XXXX XXXX American Credit Acce XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: GA

Complaint narrative:
After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2024 Consumer Financial Protection Bureau XXXX XX/XX/4503 Dear CFPB, Re : Complaint against TransUnion - Failure to Respond and Request for Deletion of Negative Items I am writing to file a complaint against TransUnion for failing to respond to my dispute letter and request that they delete all negative items on my credit report due to lack of proof. 

On XX/XX/2024 I submitted a dispute letter to TransUnion regarding inaccurate information on my credit report. They acknowledged my dispute on XX/XX/2024 and promised a response via mail within 7 business days. However, they have not responded. Since you can not provide evidence to support the reported information, I believe it is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to removed/delete these items I am requesting that the CFPB assist me in : 1. Obtaining a response from TransUnion regarding my dispute 2. Deleting all negative items on my credit report due to TransUnion 's inability to provide proof 3. Ensuring TransUnion complies with the Fair Credit Reporting Act ( FCRA ) Please investigate this matter and take appropriate action against TransUnion for their failure to respond and comply with the FCRA. 

Sincerely, 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