vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: CT

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : XXXX 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 an 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 or 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 explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
I XXXX XXXX, am filing this report due to being a victim of identity theft. the accounts listed were opened fraudulently using my social and other nonpublic information of mine. there are also several social security numbers on my account that are there fraudulent, that I have never been associated with. I did not benefit or give consent to anyone or persons to use my information to obtain these goods or accounts. In 2016, my information was compromised after someone stole my purse. my purse contained my license and bank card information inside. ever since, I have been dealing with identity theft. I am excursing my rights under the FCRA 15 USC 1681 to have all fraudulent accounts and social security numbers not mine blocked and deleted 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 2023-03-02 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: FL

Complaint narrative:
I XXXX XXXX, am filing this report due to being a victim of identity theft. the accounts listed were opened fraudulently using my social and other nonpublic information of mine. there are also several social security numbers on my account that are there fraudulent, that I have never been associated with. I did not benefit or give consent to anyone or persons to use my information to obtain these goods or accounts. In 2016, my information was compromised after someone stole my purse. my purse contained my license and bank card information inside. ever since, I have been dealing with identity theft. I am excursing my rights under the FCRA 15 USC 1681 to have all fraudulent accounts and social security numbers not mine blocked and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I submitted applications for a business line of credit on XX/XX/2023, and XX/XX/2023. The applications were denied on XX/XX/2023, and XX/XX/2023. The reason given was serious delinquencies in my credit report. These reason are absolutely false as I have had no delinquencies and wells fargo approved my for a business credit card about 6 months ago. My credit score is good and my business score is good. I have seen in the media that wells fargo was sued for discriminating against XXXX and XXXX XXXX for mortgage and lending practices. I feel discriminated against because there is no other reason for denial of my business line of credit application.

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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: DE

Complaint narrative:
I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted 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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: IN

Complaint narrative:
The address on the consumer report is not my address. It says that my DOB and SS number were not verified. There is a long list of criminal history that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, 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:
On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, Transunion and XXXX both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from XXXX 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this.

Transunion shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX  ( Finance ) XXXX shows 5 hard inquiries on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
My credit issue is with the World Finance. Contact information is as follows : Local office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XXXX XXXX XXXX  The creditor is engaging in intrusive harassment tactics. 
My bill is 7 days overdue. I have no history of missing payments. They never made an attempt to reach out to me directly ( supported by my phone and email records ). On this day, XX/XX/2023, they contacted a relative and my employer about my bill being 7 days overdue. 
I called the branch immediately and the manager of the branch confirmed that she contacted my employer and another third person to discuss this matter in violation of federal laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are generally prohibited from communicating with third parties, including your employer, about your debt. 

Upon request, my unedited phone logs can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CA

Complaint narrative:
An account from a company named XXXX was opened on 2018 for {$1000.00} and I didnt do this. I recently found out it was on my Experian while applying for my first credit cards, and due to the fair credit report act received back denial reasons. I was a victim of the XXXX data breach. Maybe this was the cause. On my credit report I barely have a credit history, and there are no signs of other derogatory ( late payments, charge off etc ) to point this to me. This is clearly out of place. This disputing started back last year however because credit repair companies arent the account holders they didnt have to entertain it. I put in a dispute XX/XX/XXXX, and repeatedly sent in documents since then but they claim they havent received all documentations. I know bureaus are currently being sued for making excuses not to solve people disputes and thats not right.

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 2023-03-02 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXXXXXX XXXX account ( XXXX ) and the inquiries made by XXXX on XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

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
Consumer complaint received 2023-03-02 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXX XXXX account ( XXXX ) and the inquiries made by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid 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: GA

Complaint narrative:
1. Issue number one is that XXXX billed my credit card without my authorization. The Department of Veterans Affairs ( VA ) has been paying for my XXXX subscription for the past two years. I tried to renew through the VA for 2023 but XXXX told me that I could not renew my premium account while it was still active. I was not planning to renew out-of-pocket because I could not afford it. However, I had forgotten that XXXX had my credit card number from a prior subscription. XXXX billed that credit card and has refused to reimburse me. This is a joint credit card with my wife being the primary user. My wife, XXXX, filed a dispute with Ollo Card Services but the dispute was denied.

2. Issue number two is that Ollo Card Services submitted this information to the Credit Bureaus which caused our credit scores to drop.

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 2023-03-02 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: TN

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a Southwest Visa Credit Card that was issued by Chase. On XX/XX/2023, I paid off my balance of approximately {$5300.00}. At this time, I also paid off several other credit cards and loans through a consolidation loan. On XXXX I got an electronic letter from Chase stating that my credit limit was reduced from {$5400.00} to {$500.00} stating that my limit was reduced due to high balances on my revolving accounts. I check my credit report several times a week and as of XXXX my credit report shows that paid off two loans and three credit cards. I believe that Chase opened the account when I was rebuilding my credit with a 28 % interest rate in an act of predatory lending and when I paid it off they punished me by reducing my credit limit. I have never missed a payment or violated our agreement which would justify this decrease. When I addressed it with them, they stated that I could file a disagreement and resubmit all of my information to see if i could get it increased. As I have done nothing to violate the previous agreement and I believe that this was originally approved as a predatory practice, I closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There's information like wrong address and name that appear on my credit report. I sent all three credit bureaus a letter with my id and ss card of proof of in XXXX and XXXX letting them know this information on my credit report is wrong 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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with XXXX  over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with XXXX  over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX XXXX from XXXX XXXX XXXX XXXX. 
Opened a citibank checking account on XX/XX/2022 in response to a bonus offer for new accounts. The offer was {$50000.00} for a {$1000.00} cash bonus. Ive met all terms and conditions and never received the bonus. Multiple inquiries have been ignored. The branch manager, XXXX XXXX at citibank XXXX XXXX XXXX XXXX NY XXXX claims she cant help. 
I see online MANY people are having the same issue as me. 
The offer seems to be fraudelant and it seems Ive been scammed

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 2023-03-02 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: TN

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

Company response to consumer: Closed with explanation