vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2023-11-22 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:
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
Consumer complaint received 2023-11-22 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: AZ

Complaint narrative:
under the FCRA and EFT Act I do not have an " account '' with these people. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

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 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Purchased car through US Auto in XXXX South Carolina. Old car was wrecked not my fault. Took 5 months to get old car totaled out. Never recieved rental reimbursement. Got new vehicle finally. Then the vehicle I got needed repairs. Sent to get fixed 5 different times. Issue never fixed. Old parts on vehicle when new ones were recorded being put on. Complaints filed. Also have had to pay additional taxes on my loan to get tag when dealer said was included in downplayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CA

Complaint narrative:
My information was sold and bought illegally I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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:
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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: KS

Complaint narrative:
I was a pervious rental with progress residential. Me and my family moved out XX/XX/2023. A case was filed on XX/XX/2023. I talked to XXXX XXXX around XX/XX/2023. Informed her that me nor my family lived in the property. Per my lease ledger my move out date was XX/XX/2023. The case was never to be filed unfortunately the company did not communicate with the attorney. The default judgment was placed XX/XX/2023. The company filed a motion to set aside the judgment on XX/XX/2023. The order was granted XX/XX/2023 which eventually led to the case being dismissed.

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 2023-11-22 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.

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 2023-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
On XXXX, I received an email from XXXX XXXX informing me of a significant hit to my credit score. I called my new lender to inquire as to the payments due. Upon investigation, I discovered that a loan I had applied for on XX/XX/XXXXXXXX  had not been finalized due to misunderstandings - we had thought it was completed and were waiting for our first loan payment through our new lender. 

I reached out to Chase JP Morgan to inquire and was informed that I was 3 months behind on payments. 

The overdue amount, including late fees, were paid promptly ( Tuesday, XX/XX/XXXXXXXX  ). However, our credit scores decreased by over XXXX points, each ( my spouse and I ). 

As both borrower and co-borrower ( spouse ), neither of us received any mail, e-mails, or phone calls informing us of late, or missed, payments until receiving a letter today ( XX/XX/XXXXXXXX  ), dated Monday XX/XX/XXXX. 

Had we been informed, by Chase, that we had missed the first payment, we would have immediately paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX Inquiry Date : XX/XX/XXXX  Location : XXXX XXXX  XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/XXXX  Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.

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 2023-11-22 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: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-22 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:
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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
My student loan has been paid in full, but the Texas Higher Education Coordinating board failed to report the debt as paid in full with a {$0.00} balance in violation of the FCRA. This has negatively impacted my credit score, access to credit, and rate provided on new credit accounts. They need to correct my credit report AND provide monetary remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I opened a business checking ( acct # XXXX ) and savings ( acct # : XXXX ) account AND a personal checking ( acct # XXXX ) and savings ( acct # XXXX ) account at XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX. On or about XX/XX/XXXX, I received multiple letters stating that my accounts were closed due to " suspected fraud. '' When I called the customer service number, I was told XXXX XXXX put an alert on the account, so they closed the accounts. I was then told to reach out to XXXX XXXX to resolve whatever issue appeared. I have received no written correspondence from XXXX XXXX. 

Sometime the same week, I returned to the branch where I opened the account and spoke to the banker with whom I opened the account. She looked up the history and confirmed that the account was restricted. She called into customer service and sent an email to her Regional Manager. 

When I followed up with her after the new year, around XX/XX/XXXX, there had been no movement on the account, and it was still closed. At that point, I asked for my deposits back ( {$750.00} in cash made via XXXX confirmation # XXXX and a check for {$520.00} ) ; since I no longer had access to the account, I couldn't make the transfer myself. I was told to return later in the week since the funds would be distributed via a check. Once I returned, there was no check, and my funds weren't returned. 

I returned to the exact branch location and had customer service at XXXX multiple times until I moved from the area in XXXX. I have since called customer service several more times, only for my phone call to be disconnected. Despite the supposed account closure, I have received a monthly statement every month thereafter ( up to and including XX/XX/XXXX ). 

I do not wish to re-open the account with Truist and want my money returned. Thank 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 monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I would get calls from Midland Credit Management around XXXX. The representative on the phone never told me they were debt collectors. The representative mislead me to believe I opened an account with Midland Credit Management. I did not jnow they were debt collectors until I receive a summons to court. I contacted Midland Credit Management attorney XXXX XXXX to provide me the original documents with my signature in order to provr this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today, I received a card to recommend for the permanent removal from pre-approved credit offer mailing lists from Experian addressed XXXX. XXXX, XXXX, TX XXXX. Since I consider email communication is included for removal, I have assumed not to receive it from anybody. However, at XXXX of today, I received an email from Experian ( XXXX ) an offer of credit card, Experian XXXX XXXX Digital Checking, which looked like to be done by cellphone ; even though I believe it must have been impossible with my old cellphone.

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 2023-11-22 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: Experian Information Solutions Inc.
State: TX

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

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 2023-11-22 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 have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2023-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: AL

Complaint narrative:
World finance company has been calling my phone Constantly over and over again and harassing me at work. I asked them not to call my job and they continue to call my job and harassed me there and continued to call my phone numerous times throughout the day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: CA

Complaint narrative:
PLEASE SEE ATTACHED FILE

Company response to consumer: Closed with non-monetary relief