vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: MI

Complaint narrative:
Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit, also has caused me great financial harm because, I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. Remove Now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: WA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was first scammed on XX/XX/XXXX into purchasing multiple Amex gift cards. Over the next XXXX days I was instructed to purchase XXXX Amex gift cards with XXXX on each of them. I found out this was a scam on XX/XX/XXXX and immediately contacted Amex and locked all the cards but there was only money on the last XXXX cards. There was {$500.00} on each of the cards. They told me I could now use the cards and they would not be able to help me concerning the rest of the cards. 
I then tried to use the cards at XXXX and other main chain stores, and I could not get the cards to work. I then tried to use the cards to pay rent or other bills and it wouldnt work. 
I contacted the company twice on XXXX, twice on XX/XX/XXXX, and then twice on XXXX, and a few other times I believe, to try and work this out and then deciding a check would be best. The check they sent is dated XX/XX/XXXX for the XXXX left over on the cards. But after trying to get the check cashed multiple times and each time being rejected by multiple banks, a bank finally told me they believed the check to be fake. They had checked through XXXX ( I believe is what its called ) and thought the check to be fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: WA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please Delete this inquiry XXXX XX/XX/year> done fraudulently and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in Advance for your Cooperation.

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 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: IL

Complaint narrative:
This company is involved in deceptive business practices, Identity theft, Defamation of character, by performing and engaging in illegal activities that violates consumer law, federal law and state laws. Based on an investigation and all proof of supporting documents as well as numerous violations of CFPB, FTC, UCC, CFR, FCRA, FCDPA, TILA, and much more. Attached are communication and supportive documents between Westlake Financial Services and the consumer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention in rectifying significant inaccuracies and unauthorized disclosures on my credit reports held by XXXX and Equifax. These inaccuracies not only unfairly affect my financial standing but also represent clear violations of federal laws designed to protect consumers. 

Specific Concerns : Unauthorized Hard Inquiries : My reports include hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not excluding The credit accounts ; that are being ILLEGALLY REPOTED made without my consent. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a ( i ).

Erroneous Accounts and Late Payments : Entries related to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX including late payments, need immediate correction. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ), protects against unfair billing practices by ensuring accurate reporting. 

Banking Transactions and Unauthorized Disclosures : The inclusion of banking transactions and the reporting of negative information by the aforementioned entities breaches the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, aimed at protecting consumer privacy.

Immediate Actions Required : Removal of All Negative and Inaccurate Information : I demand the immediate removal of all negative and inaccurate information from my credit reports, including unauthorized hard inquiries, erroneous accounts and late payments, and any unjust banking transactions. 

Prompt Update of My Credit Report : Following the removal of inaccuracies, my credit reports held by XXXX and Equifax must be updated promptly to reflect the corrected information within five business days from the receipt of this notice. 

Compliance Deadline : I hereby provide XXXX and Equifax, along with the implicated entities, a strict deadline of XXXX business days from the receipt of this notice to implement these significant corrections and updates. Failure to address these concerns within the specified timeframe will compel me to pursue further legal action to enforce my rights and seek remedies for the resultant damages. 

This situation demands your prompt and serious attention. The actions I am requesting are not only within my rights under federal law but are also critical for rectifying the harm done to my financial reputation. 

I trust that the Consumer Financial Protection Bureau will act swiftly to ensure compliance and uphold the protections afforded to me under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I simply want to freeze my credit report at Experian. I need to do it by phone, because Experian 's online account system is known to use predatory tactics to force / trick consumers into paying for their services. 

Evidences : 1 ) Experian Consumer Services Agrees to Injunction and {$650000.00} Civil Penalty for Allegedly Sending Emails to Consumers Without Giving Future Opt-Out Option XXXX XXXX XXXXXXXX XXXX ) You can be tricked into 'accidentally ' signing up an online banking account while trying to freeze your Experian credit report online. 

XXXX XXXX XXXXXXXX However, I was NOT able to freeze my credit by phone. There is no way to get out of their notorious automated system and reach a real person. The automated call system would only 'guide ' you to their online service or alternatively, ask you to send a snail mail (! ). 

In contrast, I have frozen my credit reports at both of the other major credit reporting agencies- XXXX and XXXX ( by phone ) very easily. I question Experian 's good will in forcing the online account upon consumers. 

Now, I'm only freezing my credit reports as a preventative measure against ID theft. So I have the leisure to file this complaint - Imagine someone who already had fraudulent account opened in their name and desperate to freeze their credit reports. They would have NO choices but to do whatever Experian demands.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I looked at my report recently and notice an account wasnt reporting accurately. I had two late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached screenshots of the report to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.

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 2024-03-30 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: GA

Complaint narrative:
On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all XXXX credit bureaus but haven't heard back from 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 2024-03-30 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: GA

Complaint narrative:
On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all XXXX credit bureaus but haven't heard back from 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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-03-30 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: OH

Complaint narrative:
Please see attached documents do not close this complaint stating this is not me. I am a natural person and a consumer

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 2024-03-30 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: WA

Complaint narrative:
I looked at my report recently and notice an account wasnt reporting accurately. I already asked to investigate and received a letter sent back addressing someone else, the letter i received back had someone else 's name on there. That is not me, I was told that they were unable to locate a credit file in they database with the identification information i provided. I sent My Drivers License, along with my SSN, and Proof of address. Everything matched. I will attach picture of the letter i received from them, along with a screenshot of the account on my credit profile.They addressed the wrong person, or got someone else 's account on my credit profile. Please investigate.

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 2024-03-30 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: TX

Complaint narrative:
Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration

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 2024-03-30 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: TX

Complaint narrative:
Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: GA

Complaint narrative:
On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all 3 credit bureaus but haven't heard back from them...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have made a purchase online at XX/XX/2023 for two units of items that total value is {$1200.00}. However, I only received one item in the package so start a dispute with Chase, but they end up refused my dispute. 

There several issues Im facing with in this case : 1. Chase didnt provide a portal for amount mismatch in their dispute page, the only option is to call them. 
2. After I call Chase, state my issue, I asked if they need evidence from my side as I record a video before I open the package. They said its not required. 
3. When I got the result, my dispute was put as merchandise not received, which apparently is not what I told them. And they never collect the information from my side even though I told them I have the evidence I didnt got correct number of items in the package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
An unauthorized transaction charge of {$500.00} was made on my card on XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A.States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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