vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Without my context, Best Buy credit card company pull hard inquiry on XX/XX/2021. I have been contacting to the company several times and they never resolved my issues. 
Please remove my credit hard 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 2022-01-25 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( 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 2022-01-25 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: PR

Complaint narrative:
Enclosed Identity Theft Affidavit for acounts that are a result of ID Theft. 
Please block information from 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 2022-01-25 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: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Enclosed Identity Theft Affidavit for acounts that are a result of ID Theft. 
Please block information from 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 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
FRANKLIN COLLECTION SERVICE INC has stole my identity and are reporting fraudulently on my credit report. There is no contract binding me to this alleged debt, as it was In result of identity theft. 18 USC 1028 states they are violating my consumer rights by unlawfully transferring my authentication feature ( social security number ) electronically. I have token it upon myself to even request the validity of this account yet they never provided me with proper proceeders and policies that ensures the integrity of the account 15 USC 1681c-2 states that ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an account online with chase number XXXX and this account was closed to suspicious activity the bank didnt said me what happened. I went to the branch to open an account in person they said I need a passport because I wasnt a citizen my passport was expired and I get a new one. I went to chase on XX/XX/XXXX and got open a checking and savings account made {$500.00} deposit. This morning try to use the debit card in my XXXX XXXX transaction was declined I went to app to see the balance and the system show the same message before for account previous locked account locked for suspicious activity. I need chase to be clear and tell me whats go on with my data because I gave all documentation to them including Form XXXX to release social security number verification for my document number when I opened the account in person at branch in addition : Passport, Driver License and Social Security XXXX XXXX I neve get a denial to open account anywhere so believe there an error on chases system and they are hiding something from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. XXXX and TransUnion ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with XXXX and XXXX on XX/XX/2021. XXXX XXXX TransUnion are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an XXXX or XXXX supervisor or executive detailing where I gave XXXX or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved

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 2022-01-25 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 am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 explanation
Consumer complaint received 2022-01-25 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 am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. 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 2022-01-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. Experian and XXXX ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with Experian and XXXX on XXXX. Experian & XXXX  are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an Experian or XXXX supervisor or executive detailing where I gave Experian or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved

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 2022-01-25 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 am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, my father sent me a voicemail from a creditor. A woman called him- he & I do not share a cellular phone number & we do not live together - left a voicemail advising that she was calling to speak to me about an account that was in collection efforts. 
I have advised this company, not to call anyone but myself & they have the correct contact number for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't have any inquiries on my consumer report and then suddenly today I notice I have XXXX hard inquiries appearing on my consumer report, I did not consent to, authorize or benefit from any of these inquiries. please block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Since XX/XX/2021 I have been contacting TransUnion, XXXX and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to TransUnion, XXXX and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )

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 2022-01-25 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: OH

Complaint narrative:
Since XX/XX/2021 I have been contacting XXXX, Equifax and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, Equifax and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: OH

Complaint narrative:
Since XX/XX/2021 I have been contacting XXXX, XXXX and Experian in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, XXXX and Experian. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. 

The companies are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Capital One- this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. 

I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the Capital One card canceled and all information removed about it from my credit report. 

I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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