vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: MA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I tried to resolve this matter with three credit bureaus and this company but they are not willing to work out this unauthorized inquiry situation. I asked them for months to provide me with a voiceover, a copy of my Driver License or any signed statement authorizing them to pull my credit report. Its been a couple of months and I still havent receive any response or documents showing otherwise. This is a major violation of the Fair Credit Reporting Act, so this mean they are breaking the Law.

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 2018-11-16 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: TX

Complaint narrative:
Transunion lowering my score unnecessarily, bogusly unfairly.

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 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
Creditor : XXXX Account : XXXX Reason : FRAUD {$1700.00} But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by over 30 points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 

Please delete this previously deleted account within 10 days of this letter or I will file complaints with the FTC, XXXX, and attorneys general in my state and your state. I will be also talking with a consumer rights attorney regarding this matter. 

Not only that you have XXXX is steady reporting inaccurate information into my credit file. I have never done business with XXXX or any company they represent. I am a victim of identity theft and the accounts XXXX hold are a direct result of this. XXXX has refused to verify these accounts with me so how are they verifying them with 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 explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account 7month ago with BestBuy. I never had an credit card before this, I have owned cars and paid off my cars but not credit cards.

Right after I opened this card I paid off half then went out of town, I lost my wallet and forgot about this card. Now my credit score is low 500 's and I have paid the rest in full 2 days ago.

I have never had credit cards before why is missing a couple payments while I was out of town bring my credit score down to 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 2018-11-16 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: CA

Complaint narrative:
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm still having problems with incorrect or missing information in my Experian Credit report. On XX/XX/2018 a seven year fraud alert was placed on in my credit report, and I have never requested a seven year alert to be placed on my credit report. I have a lock already on my credit report. 
Also my home address was deleted, and I did not make a request to delete my current home address My name is a XXXX XXXX   and that was removed without my consent as well. My identity has already been compromised due to lack of verification by the crediting reporting agency 's. Also fraudulently bank mortgage are still in my credit report as well. With no information by the bank confirming that it is really my account being that my name is so common and my information is either inaccurate or missing altogether still.

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 2018-11-16 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX XXXX  and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE old deleted XXXX XXXX  re-inserted -illegally NEEDS TO BE DELETED refer to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) TRANSUNION DELETED AN ACCOUNT AND REINSERTED WITHOUT EVER NOTIFYING ME.

Statement of Facts there is a law that does state that if AN ITEM IS DELETED from a credit file and is RE-Instated for ANY reason.. the Credit bureau must notify ME within 5 business days after the date of re-insertion. This is a law or code of the FCRA the exact law pertaining to this issue is 15 U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) AND I quote ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well past 5 days and I received no notification of a re-insertion. Is this law not 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 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-11-16 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: CA

Complaint narrative:
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged 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 2018-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
Abusive language saying i have to hurry and pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Commercial Services, Inc
State: IL

Complaint narrative:
XX/XX/17 balance claim of XXXX or my driver license will be suspended

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have multiple hard inquiries on my credit report starting in the year XX/XX/2017 that I have no knowledge of. I see that these hard inquiries are affecting my credit score i would someone to help me investigate and remove these inquiries off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Yesterday ( XX/XX/2018 ), I received a 1 page,  mailing from Chase bank titled : " Action Needed : Make a deposit to keep your overdrawn account open ''. I am continuing to DISPUTE, Chase Banks ' mismanagement of my account. As of today, Chase have repeatedly refused to set my personally set PIN number back to my choosing. As of today, Chase Bank have refused to properly manage my checking account. I do NOT owe Chase Bank a dime. The overdrawn amount ( {$34.00} ) was caused by Chase Banks ' mismanagement of my account. As of today, Chase Bank have REFUSED to adhere to the rules, policies and procedures that govern their business.. As of today, Chase Bank have fraudulently add my daughters name to my account ( via this mailing dated, XX/XX/2018 ). My daughter, left Chase bank month 's ago ( which had absolutely NOTHING to do with my personal checking account or relationship with the bank ) .. And, Chase Bank closed her account month 's ago ( which had NOTHING, to do with my personal checking account ). However, Chase Bank and their representatives have continued to practiced unlawful DISCRIMINATION towards me and my personal checking account. Her name, have NEVER been included on any mailings associated with my personal checking account mailings. I will continue to FIGHT legally, for my rights. i DO NOT OWE CHASE BANK A DIME! IN FACT, CHASE BANK OWES ME FOR THE ONGOING UNLAWFULLY PRACTICED, DISCRIMINATION! ALL SUPPORTING DOCUMENTATION WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU. ALL INFORMATION SUBMITTED TO THE CFPB IS TO BE USED " ONLY '' BY CFPB ( NOT, CHASE BANK OR ANY CHASE BANK SUBSIDIARIES )! XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: IL

Complaint narrative:
What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Westlake Services, LLC
State: NC

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
XXXX has been non-compliant with removing the unverified account KLS FINANCIAL SERVICES XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KLS FINANCIAL SERVICES as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
Order of garnishment prepared by Kahrs law offices, P A Plantiff - XXXX XXXX XXXX XX/XX/2018 Garnishing wages They did not call/write/email me. 
Began garnishment out of my paychecks without giving notice. Currently taking around {$75.00} each week. A total balance of {$650.00} that I was not made aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was notified by the police that I am a victim of identity theft, so I requested a credit report. I see several items on my report that do not match my personal information. One of which is a card that was opened in XX/XX/2017, Nordstrom/XXXX XXXX XXXX. The Credit limit is {$300.00}. It has never been paid late or missed payment, but I do not have this card and never have. Address ID # XXXX There is no phone number available, so I am unable to contact Nordstrom.

Company response to consumer: Closed with non-monetary relief