vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CARCO Group, Inc.
State: NE

Complaint narrative:
The employer only required the MVR from previous 3 years... The consumer report company reported my driving record older than 3 years which is disqualified me for getting the job I applied for... I request to make that correction on my report ASAP. Only report my records for the past 3 years from now on. The records from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are outdated and it's older than what the employer required so please excluded those on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANAGE  is reporting a fraudulent account on my credit files. I am a victim of identity theft and I have never opened an account with CREDENCE RESOURCE XXXX, XXXX, or any of its subsidiaries. This account is continuously being sold and re-reported. This fraudulent account needs to be removed immediately. I have already contacted CREDENCE RESOURCE MANAGE  and they have not responded to my request, nor have they provided any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: Credit Karma, LLC
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing to request your assistance in addressing an issue I have encountered with Credit Karma regarding my personal data under the California Consumer Privacy Act ( CCPA ). 

Background : I initially joined Credit Karma following their acquisition of XXXX, expecting a continuation of the services XXXX provided. However, it became apparent that Credit Karma did not offer the same functionality and instead seemed focused on acquiring detailed financial information from XXXX 's user base, myself included. This experience has led me to believe that Credit Karma has engaged in a bait-and-switch tactic, leveraging Mints user data without providing equivalent service. 

My XXXX : Due to a past experience with identity theft from a significant data breach, I am vigilant about my personal information. On XX/XX/year>, I formally requested Credit Karma to delete all my personal data in accordance with my rights under the XXXX. Despite multiple follow-ups, Credit Karma has provided insufficient responses, avoiding my direct questions about what specific data they retain and the legal basis for doing so. 

Specific Requests : XXXX. Detailed Information : A precise list of all personal data that Credit Karma has retained, including categories like bank account details and net worth, and the specific legal reasons for retaining each category under the XXXX and other relevant laws. 
XXXX. Data Deletion : XXXX deletion of all personal data not required to be retained by law, with clear communication on why any retained data can not be deleted. 
XXXX. Transparency : Detailed explanation of the data anonymization process used by Credit Karma, ensuring my data will be completely unidentifiable post-process. 

Next Steps : XXXX XXXX lack of response has left me no choice but to look for external help. I request your intervention to ensure that Credit Karma complies with my data deletion request and provides the transparency required under the CCPA and the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Thank you for your time and consideration. I hope you can help me. 

Sincerely, XXXX XXXX XXXX XXXX of Marketing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Westlake Services, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate thisreporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate thisreporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I sent a letter on datedXX/XX/XXXXXX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/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 2024-05-23 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:
I sent a letter on datedXX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Balance : {$XX/XX/XXXX} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$XX/XX/XXXX0} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've been a victim of identity theft due to the Equifax data breach, and I've discovered unauthorized inquiries and misleading accounts, and addresses linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I went into a XXXX store in XXXX, AL and was sold a new XXXX in order to receive a free month of cellular service. There was no misunderstanding what the employee said, that is verbatim what I was told. On XX/XX/XXXX, I cancelled the service and returned the phone. The sales person told me that I had cancelled just in time to avoid being billed and to disregard any payment notices. I paid for what I owed ( {$93.00} ) at that point in the store and was provided a receipt and clarified again with the employee that that was all that I owed, and that I could disregard the bill I was sent on XX/XX/XXXX. I disregarded it as I was told by the sales person to do, and in XXXX of XXXX it got sent to collections. I have tried to dispute it with Experian three times believing I was charged for a month of service I had already cancelled, and got nowhere. Ive contacted XXXX twice. On XX/XX/XXXX, I contacted XXXX, and was responded to by XXXX, who tells me that I never actually had a free month of service, and that essentially the bill is for the month that I thought I had a promotion for free service. Instead of offering solutions, he continued to explain exactly how misinformed I was, and then closed the case in response to my last email response to him without ever offering a resolution. On XX/XX/XXXX, I contacted XXXX again. The second contact, XXXX, immediately replied to me with the same information and again did not offer any resolution. I responded asking for a resolution instead of being sent repeated information. XXXX still has not replied as of today, XX/XX/XXXX. Neither acknowledged that I was lied to by the employee. I would rather not have to pay for a service that I was told was free, but I have had every intention of paying for what I owe. I am just seeking a fair solution and acknowledgement that I was lied to and that this should not be damaging my creditand no one with XXXX or Experian is helping with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-23 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit files. I am a victim of identity theft and I have never opened an account with XXXX XXXX XXXX  XXXX, or any of its subsidiaries. This account is continuously being sold and re-reported. This fraudulent account needs to be removed immediately. I have already contacted XXXX XXXX XXXX and they have not responded to my request, nor have they provided any 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 2024-05-23 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account on my credit files. I am a victim of identity theft and I have never opened an account with XXXX XXXX XXXX, XXXX, or any of its subsidiaries. This account is continuously being sold and re-reported. This fraudulent account needs to be removed immediately. I have already contacted XXXX XXXX XXXX and they have not responded to my request, nor have they provided any 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 explanation
Consumer complaint received 2024-05-23 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an AMEX gift card. I activated it over the phone. I tried to use it to purchase XXXX gift card reload. It did not work. I contacted customer service for AMEX and no resolution was found. I tried purchasing {$1.00} dollar less than the full value of the card, and this did not work. I then tried other values less than the card and they did not work. A lot of people have this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 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: SC

Complaint narrative:
I have requested verification of these alleged inquiries numerous times. Publishing information on my credit consumer report without obtaining my written instructions is a violation of my rights per XXXX5 USC 1681 Section 604 A Section 2. I am FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. DELETE ALL ALLEGED AND INACCURATE INQUIRIES IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I recently obtained a copy of my ChexSystems consumer report and noticed that there is a fraudulent account being reported that was not opened by me. Please remove this account immediately : XXXX XXXX XXXX XXXX acct. # XXXX It does not belong to me, but may have been opened by someone who is in physical possession of my Driver 's LIcense, Social Security card and Birth Certificate amongst other documents stolen from my wallet several years ago. 

Also, the following inquiries are fraudulent and were not made by me nor any action initiated by me : XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXXXXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXXXXXX XXXXk, date : XX/XX/XXXX XXXX XXXXXXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, date XXXX XX/XX/XXXX Additionally, please delete these inaccurate addresses from my consumer file because they are not mine : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Additionally, please delete the following inaccurate phone numbers from my consumer file because they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My correct phone number is ( XXXX ) XXXX. 

Additionally, please delete the following inaccurate email address from my consumer file because it does not belong to me : XXXX My correct email address is : 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I leased an auto with u s auto sales. And I was not behind on payment. In XX/XX/XXXX my car was repossessed by west lake management group now they are trying to get me to give them XXXX for a car that that repossessed but us auto sales apparently went out of business and did not inform customers. And shared no payment information. I wake up and car was gone out of my driveway now they are harassing me by email and mail coming to my home demanding payment but they have the car. I just want them to do what they choose with a XXXXXXXX XXXX XXXX and we call it even. But they have added bad debit to my credit and I never even had any arrangements with them. And had no idea they are taking over in house financing that us auto sales gave their customers. It was totally unfair. And we as the customers should have been offered an apology for the harsh way they have treated us because we were unknowingly put in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I didn't authorize these inquiries, so please remove them as I'm not familiar with them.

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