vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: Carvana Group, LLC
State: PA

Complaint narrative:
I was trying to purchase a vehicle from Carvana and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to Carvana and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with Carvana to have inquiry off my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
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 2022-02-08 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD

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 2022-02-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS 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
Consumer complaint received 2022-02-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank authorized charges to my debit card that was stolen, amount was around ) XXXX dollars total on about 8 transactions plus overdraft fees I disputed charges and the bank decided claim was denied so I want to file a Appeal and that was also denied and was told they are not appealing charges and that is a final decision but could not provide me with a specific reason as to why this claim was denied other than my spending habits and resent transactions that how they made there descision

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc.
State: MD

Complaint narrative:
This company continues to harass me by repeatedly calling and sending letters about a debt that is not mine. I have not accepted liability for this debt nor was I notified prior about this. I have asked them to stop but they refuse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-08 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:
After going over monthly credit report review and maintenance I noticed a couple accounts that were opened without my knowledge or consent which may have been a result of an information data breach, I have tried reaching out to Experian to solve this issue but they were not able to assist me properly through the web. The Accounts that were opened without my consent were two " XXXX '' loan account with the account numbers ( 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 2022-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an account with Bank of America checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud. 

I received detailed consumer report from XXXX XXXX XXXX today XX/XX/XXXX wherein I came to know the reason for my previous account closure with Bank of America, as of this negative reporting XXXX XXXX  put a temporary hold on my account and initiated account closure. 

I called Risk department of Bank of America at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the XXXX XXXX report states all the ACH transactions since my account opening with Bank of America. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.

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 2022-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have new and updated information regarding my Transunion consumer report. 

I have previously disputed alleged accounts for XXXX and Department of Education however, Transunion never completed the investigations. In Transunion previous responses to the CFPB, it said that XXXX needed more information from me which is false. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, XXXX nor the Department of Education can not verify that any information on my consumer report is factual information. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2.Department of Education 3.XXXX XXXX 4.Foursight XXXX 5. 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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
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 2022-02-08 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: TX

Complaint narrative:
I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I've made several attempts to resolve inaccurate information on my credit report with Experian. I've disputed the information with hopes Experian would follow the law and perform an investigation. This has not happened. I've sent in the document after document showing and outlining the " exact '' error. Which is not my job to do. I shouldn't be providing them with the issue and the answer. I'm told by law, the Fair Act of Reporting 15 U.S.C. 1681, items listed on my file must be accurate. The definition of accurate, ( of information, measurements, statistics, etc. ) correct in all details ; exact. This information is not accurate based on definition alone. Furthermore, I did not give said company or Experian written authority to list any inaccurate items on my consumer credit file, as stated in the following, 15 U.S.C. 1681b ( permissible purposes of consumer reports ). Each time Ive disputed any item, Experian returns with a blanket statement ( You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute ) and fails to do what is deemed an accurate re-investigation. If the reinvestigation was performed, they would spot the obvious inaccuracies listed on my report and correct, and/or delete. Since this dispute has been beyond the timeline outlined for reasonable disputes, ( XX/XX/XXXX ). The only resolution at this point would be to delete the items Ive disputed due to lack of verifying the information, along with the accuracy of the items. Prior to XXXX, Ive have time to work endlessly on my credit file. However, with the prolonged progress of the last items listed, Experian gives me no option to look at acquiring a mortgage, as lending and underwriting clearly see the inaccuracies which leads to automatic declines. This mistake and blatant disregard to my consumer rights has led to years of stagnation of me gaining any credit approvals.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was trying to purchase a vehicle from XXXX and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to XXXX and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with XXXX  to have inquiry off my statement.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} XXXX XXXX / XXXX / {$12000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX please remove any other information

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - 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 2022-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Upon checking my credit report, I noticed that I was considered " late '' with the markings from this student loan company. The late markings started XX/XX/2021. I was under the impression that the Student Finance Commission was a federal loan that extended all payments for the COVID Relief Act. I contacted them and they informed me to submit and forbearance form and they will remove the markings. Although, my account has been put in forbearance status, the late markings on my credit still exists. This has caused further hardship in which will prevent me from overcoming the financial hardship I'm currently in due to COVID.

Company response to consumer: Untimely response