vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
Someone used my social security number to purchase a phone and a plan at a XXXX store. I noticed when I received a letter from XXXX that I was being placed in collection. I immediately reported this to the police department as Identity Theft. XXXX investigated it, and confirmed that I was not responsible for this because of fraud.

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 2024-04-19 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: FL

Complaint narrative:
According to the Privacy Act Notice provided from grantor it states that my information would only be used for identification purposes, I have requested several times for credit companies to remove said item.

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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX of XXXX, I decided to buy out my car lease. Chase was the bank the lease was through, and ALSO the bank taking over the purchase loan. I had called in repeatedly to get the paperwork so I could file the title/lien with XXXX. Each time, I was told that they were backed up and to expect it in 30 days, I'd give them an extra two weeks and call back for a status update until I eventually gave up. I decided, " well if I want to end up trading the car in, maybe a dealer will have better luck with Chase ''. It is now XX/XX/XXXX and I received a call from Chase asking me to take my paperwork to the DMV to get things filed. They sent me the paperwork in XXXX of XXXX ( several weeks ago )!!! Nearly two YEARS after I bought out the vehicle and have been making monthly, on-time payments that are MORE than what my lease payment was. Not only that, but it was in a standard XXXX  envelope that I didn't have to sign for, and I wasn't even staying at my home because I just had XXXX and was staying with family. This is so unprofessional, and if I am penalized by the state for untimely filing, I am going to lose my mind! In addition, it only contained the title and NOT the check that's needed for the sales tax! I called yesterday from a Chase branch in hopes that someone at the branch could just issue the check to XXXX, but no luck. I was connected to someone I could hardly understand and was told that she entered a ticket to have a check sent to me, but it will take some time... ARE YOU KIDDING?! It's been nearly TWO YEARS and I still have to wait?! This is completely mind-boggling. Chase 's website says it should take roughly 10 business days. This is laughable. I will NEVER work with Chase again. 

I've attached images of all of the paperwork showing dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-19 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:
There are inaccurate inquiries on my Equifax credit report that do not belong there. Please remove them from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I ended my lease and paid all my outstanding balance on XXXX then closed my account ( in XX/XX/XXXX ). 

In XX/XX/XXXX I noticed that my XXXX score was severely damages due to a {$110.00} debt to XXXX, I went straight to their portal and I didn't have an account ( because I had already paid my balance and closed the account, it is impossible to close an account with outstanding balance ) Even though I do not have an invoice that proves that that balance was mine ( and not the person living at the property after me ) because they didn't provide a bill or gave me access to the portal, I ended up paying it with the collection agency My XXXX report still shows that debt and the score is still very low - XXXX added debt to my account several weeks after I paid all my balance, and they allowed me to close my account- XXXX didn't let me pay online nor provided details on the bill - The collection agency never emailed me or a letter, they said that they tried calling me but didn't communicate this - Out of the blue, my XXXX score got ruined - Only out of desperation I paid online, and they have not fixed the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received documents regarding a lawsuit filed through XXXX XXXX XXXX for unpaid debt to Check 'n Go Online. Was left on doorstep, not physically handed to me. Verified lawsuit and docket via XXXX XXXXXXXX website. 
XX/XX/2024 received call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that if not paid wages would be garnished. I was bullied into signing a pdf via XXXX ( attached ) to begin repayment with monthly charges of XXXX XX/XX/2024 received text message threatening wage garnishment for declined charge to first payment. Called ( XXXX ) XXXX and spoke with XXXX XXXX again to correct issue and restart payment starting XX/XX/2024 via XXXX XXXX XXXX. Morning of XX/XX/2024 attempt to call same number and the three contact numbers I saw on website at XXXX that morning on Law Firm website : XXXX XXXX None of the numbers were connected to any business, also first number redirects to automated system for claiming cash rewards. At XXXX same morning I check XXXX  contact page and the phone number had changed to a new single number rather than the original three : XXXX The number rings then disconnects. 
Worried, I contacted my bank and cancelled the debit card and have been constantly trying to reach out to XXXX XXXX but email ( XXXX ) and phone number give no response. XXXX is still pending but I fear I may have been scammed and no my financial information has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check 'N Go ( Original Debtor )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2024 I filed a complaint against Transunion disputing there practices with my credit report. Complaint number XXXX. It was in regards to a public record that was unlawfully showing up onmy crfedit report. Transunions response was that the information is not on my credit file. But i recieved a email that the information was verified. Then transunion is stopping me from viewing my credit report to see if the information appears or not. I have provided the screenshot of them saying thge information is not on there then saying the information was verified. The information should have been removed. I can not tell if it has or not. If it has not been removed we will move forward with litigation.

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 2024-04-19 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I ordered XXXX internet. On XX/XX/year> I started the service after receiving the equipment. On XX/XX/year> I canceled on the phone the service after getting XXXX because XXXX service was unreliable at best.. I received a notice from XXXX my bill was ready on XX/XX/XXXX and I called and canceled again and had them remove my payment information that same day. I returned the equipment, paid for a month when I used for 2 weeks. Now, every couple months another collection agency puts this on my credit report. I have the paid bill, the emails confirming the second cancellation, less than a month from the start of service, the XXXX delivery of the equipment and this keeps happening. XXXX will not speak to me and this new collection agency, showing no proof I owe anything, will not remove this {$240.00} from my credit report which has dropped my credit score a great deal in addition to having the " collection notice '' on there. They are uncooperative, unprofessional and just plain wrong. 
I am attaching the proof of payment and proof of delivery of the equipment XXXX will not remove it, XXXX won't even talk to me, this Ashmer collection agency will not send any proof I owe this or discuss. I do not owe anything. If anything XXXX owes me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: OH

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX XXXX XXXX And Equifax 'S failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, XXXX has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: OH

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX Experian 's, And XXXX 'S failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, XXXX has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.

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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE MADE ATTEMPTS TO DELETE ALL INQUIRIES WHICH ARE REPORTING NEGATIVELY ON MY CREDIT REPORT As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. I HAVE MAILED ALL DOCUMENTS IN WHICH WHERE RECIEVED THROUGH CERTIFIED MAILING

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 2024-04-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-19 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: FL

Complaint narrative:
According to the Privacy Act Notice provided from grantor it states that my information would only be used for identification purposes, I have requested several times for credit companies to remove said item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
According to the Privacy Act Notice provided from grantor it states that my information would only be used for identification purposes, I have requested several times for credit companies to remove said item.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent off letters certified mail regarding compliance XX/XX/XXXX. I have yet to receive any notice.

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