vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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 express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 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

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I applied to my bank, XXXX, for small personal loan of {$3000.00}. Equifax repeatedly blocked queries from XXXX for proper information to approve my loan application. I called Equifax and was told I needed to send them multiple documents before they could correct my DOB, ( date of birthXXXX ), information. First I was told I could correct it myself on line but there is NO such link to do so. I called that misinformation to their attention and was told the only recourse I had at that point was to send multiple forms of identification and wait for a response. All for a date of birth update. Meanwhile my bank will not approve a small personal loan. There are NO freeze or alert on my credit report at Equifax despite them blocking any credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
After numerous attempts to get this fraudulent account removed from all my credit reports Celtic Bank has refuse to remove.

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 2024-03-08 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: MI

Complaint narrative:
This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$1100.00}

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 2024-03-08 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: PA

Complaint narrative:
Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.

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 2024-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
Ive been getting relentless and harassing phone calls from this debt collector. I would like them to stop as I have no idea why they are calling me 5 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated. 

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error.

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB.

The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes.

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974.

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated.

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error.

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB.

The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes.

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974.

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Mastercard via Frontier Airlines in or on approximately XXXX of XXXX. I did not activate the card nor have I ever used it. The card was listed as dormant on my credit report and no benefits have ever accrued to me ( including e.g. an increase in credit card utilization, etc. ). I have never flown on Frontier Airlines. 

The name on the card and other card information is : XXXX XXXX XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX security code available on request On or about XXXX of XXXX the card was marked as active on my credit report, but not at my request nor by my use of the card. I had applied for the card a year earlier to get a cheap flight from XXXX XXXX to XXXX or vice versa I can not remember the exacts, but I ended up flying on XXXX XXXX Frontier Airlines repeatedly delayed the flight into the next day and I was simply to tired -- both physically and emotionally -- to wait any longer. On XX/XX/XXXX I received an email stating my credit card bill was due in the amount of {$89.00} on or before XX/XX/XXXX ( email available on reqiest ). 

I called the credit card company at XXXX on XX/XX/XXXX as displayed on the card 's backsider to dispute this charge explaining that I have never authorized the activation of the card, use of the card or any other tangible benefit from the card. I requested that the charge be deleted from the card and the card deactivated and cancelled. The woman representing the company apologized to me several times telling me should could not remove the charge of {$89.00} and acknowledged that I had never activated the card. She also could not escalate the call at the time and refused to escalate the call to her supervisor and/or manager. I insisted that she escalate the complaint, but received no satisfaction on this account either.

I am prepared to complain on social media about " The Frontier Airlines Credit Card '' if this matter is not resolved satisfactorily. I am also happy to see them in small claims court if needed. I think this is reckless of them and will stand up to it. I will neither stand for derogatory information to be posted to my credit report. I am happy to have them spend several XXXX dollars if not thousands on representation in small claims and/or elsewhere as the case is escalated. I am sure Frontier Airlines will enjoy the publicity. 

My personal information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Thank you for looking into this, deleting the charges accrued as a result of that company activating the unused credit card, and canceling the card. I will not be flying Frontier. 

Best regards, 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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX  at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NY the loan company they used is credit acceptance. The start date was XX/XX/XXXX I paid and paid and paid and that is considering I only had the vehicle for half of XXXX before the piston went through the motor block and the car was not drivable. I contacted autos by XXXX as well as credit acceptance and was told there was nothing that could be done I had to pay the loan. It is now XX/XX/XXXX and theyre saying I owe {$2000.00} still which doesnt seem accurate at all. The monthly payment amount is {$270.00} and once I asked for my payment history a couple days went by and now I cant see my payment history at all, cant see contract details either. I log into credit acceptance website and it says please contact us at XXXX to discuss possible payment arrangements. I would really like this looked into please. 

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 2024-03-08 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: CA

Complaint narrative:
I'm a victim of identity theft and there are inaccuracies on my credit report. I have filed an FTC identity theft report because accounts were opened in my name. Equifax is violating my rights by not correcting my consumer report. In accordance with the FCRA, 12 CFR 1022.3 Definitions -Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
- Anything added to your report without your written consent could be considered Identity theft Also in accordance with FCRA is 15 U.S. Code 1681B- Permissible purposes of consumer report - I didn't give Equifax written consent to report the inaccuracies. I have not received any written disclosure to authorize the reporting of these inaccuracies. 
15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: MI

Complaint narrative:
This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$1100.00}

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 2024-03-08 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: MI

Complaint narrative:
This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation