vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I brought a pre-approval letter to a car dealership to finance a used car so during the process, they had me sign on forms stating its for registration etc and they ran my credit report without my consent despite my approval from a lender. I got the car and seen hard inquiries hit my credit report. Heres the worst part : the car had oil leaking into the engine and I found out weeks later about it when the check engine light came so I took it back and they gave me a trade car that valued XXXX more than the loan I already got and RAN MY CREDIT AGAIN for more lenders. If you check my credit profile, you will notice I been with the same lender I was approved with originally for both vehicles and now I have XXXX unauthorized hard inquires on my credit report. What a nightmare! 

Here are the XXXX XXXX Inquiries : XXXX. XXXX XXXX  XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXXXXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this complaint for the following information that appears on my Expuifax consumer report. These inquiries were not authorized and are inaccurate as they tarnish my reputation an which I was unaware of identity theft. I am taking further action to secure my personal information. With 15 U.S.C. 1681 Fair Credit Reporting Act in law I am excessing my right to dispute misleading and unfair information on my consumer report. These laws makes sure consumers are protected and I dont feel protected at all. These inquiries had caused doubt and defamation to my character. 

Inquiry # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX, Tx XXXX Inquiry # 2XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX, XXXX, Tx XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX Tx XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Inquiry # XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry # XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Inquiry # XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Inquiry # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Inquiry # XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Inquiry # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX, XXXX, GA XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX, ND XXXX Inquiry # XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry # XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX, XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, MI XXXX Inquiry # XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XXXX, Tx XXXX Thank you for your Assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
I requested my personal information to be updated and nothing has changed and I want this off of my report. 

I want the employer to be removed- XXXX of the month I want that removed off my report. 

I want XX/XX/XXXX put on my report and remove XXXX XXXX XXXX XXXX id not my name never used that name. I want that removed XX/XX/XXXX I want that removed XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove XXXX XXXX XXXX XXXX XXXX TX XXXX non mailable address pls 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 non-monetary relief
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
The company sent me a letter stating that the attached account would be removed from my credit report and its still not removed. I want XXXX act # XXXX removed from my report within 72 hours of receiving this complaint. All documents attached.

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 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Received an email on XX/XX/XXXX saying that my credit score has changed. a new collection was placed by Jefferson Capital saying that I opened an account with XXXX  in XXXX of 2023 I havent been with XXXX in XXXX years. Showing as a new collection and drop my score XXXX points. I was never notified by mail, email, or phone call from this company. This company has been in multiple lawsuits for illegal legal business practices. Ive tried contacting them, and each time Im put on a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CA

Complaint narrative:
XXXX XXXX XXXX is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer. 

XXXX XXXX XXXX failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
XXXX reported transactions and experiences to Experian without permissible purpose and or authorization from principal.

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 2024-02-25 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: LA

Complaint narrative:
Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the CFRA. 





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 explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I write to you for having been deceived and scammed by the company Freedom Debt Relief when I talk with them, I let them know that my interests were to improve my credit with the objective of buying another property and they recommended debt consolidation making payments every month to eliminate the existing debt that was generated by economic problems that were happening at that time. What they didn't tell me was that it would take more than 6 months, that by not paying my credit cards on time they would seriously damage my credit score and that in the end they would not help me resolve the damage to my credit and meet my goal of buying another property. I am still interested in my goal and in being able to invest, although with this credit that I have now it is more complicated to request loans from institutions. I turn to you to look for a solution to my problem and to address my case, understanding how there are companies that do not provide you with real information and that later are not responsible for fixing the damage caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have unauthorized inquiries on my credit report and I been a victim of identity theft. I sent several dispute letters by certified mail and they have failed to delete this. 
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 2024-02-25 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
All the sites after I reported being a victim of identity theft in which I am. They picked me completely out and I can't get my credit score. I feel punished for being a victim by the credit bureaus and chase bank site makes it look like I'm erased from the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom Card Services is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer.

Nordstrom Card Services failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
Nordstrom reported transactions and experiences to XXXX without permissible purpose and or authorization from principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX  XXXX # XXXX Account name : Department of Education/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX # XXXX Employer ( XXXX ) : XXXX Name ( XXXX ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Phone number ( s ) : XXXX XXXX XXXX, XXXX has/have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
I requested that XXXX Acct # XXXX be removed from my report as it was identity theft and its still on my Experian report. This account was removed from mt XXXX XXXX, and XXXX report. I want this removed within 72 hours off my Experian 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 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase, this company has locked my account for over six months ... .I have called at least ten times only to hear that we will sent my request to another department. My account is labeled Under Review... .no explanation why or when it will be resolved... .Only that it seems nobody know nothing, ... .Please assist me in trying to gain ACCESS to my account... .Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX of XXXX I went into the office and discussed my reasonable accommodation for ending my 13-month lease by XXXX of XXXX. I resided at this residence for a total on 12 months but I was charged for 15 months my first copy of my lease had an error it stated XXXX for XXXX  XXXX that I didnt move into the 2nd lease they gave me stated it was only 13-month for XXXX  XXXX which I did reside in. I turned in my notice to vacant twice in person and by email. The property agreed to honor my notice and told me I wouldn't be penalized or charged the breaking lease amount. My amount due was only {$1800.00} I kept all my emails and Forms of communication. Once I moved out of the unit I took photos of every thing and sent a final email to management to confirm the details. A few months later I received multiple letters and phone calls from a debt collector trying to make me pay {$4700.00} for that unit. I asked for the itemized bill and tried to negotiate with this debt collector by presenting all my proof representing the agreement.The persons response to me was that unfortunately I would have to call management there because they are only debt collectors and don't handle disputes. I called and spoke to a new manager at the property she couldn't verify the Additional two months of charges for rent plus utilities that were added to the bill. I showed her the old property manager as well as my photos of moved out day and the confirmation that was sent back to me agreeing that I didn't owe anything. Her response was because it's been a year she couldn't account for anything the old property manager agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The incorrect Balance is showing on my XXXX XXXX XXXX Line of Credit. 

The account number is XXXX This needs to be corrected immediately.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
I recently pulled my credit report from XXXX on XX/XX/2024 and I also got a notification a new collection is reporting on my credit report. My credit needs to represent the truth according to FCRA the credit report agencies are responsible for making sure its 100 % ACCURATE, VERIFIABLE AND COMPLETE. Jefferson Capital System LLC flagged my profile deemed a negative item reporting as being late or past due. I see its a FDCPA violation to report a collection with a past due balance and I also seen on the Illinois Secretary of State theyre not licensed and bonded to collect on a debt in Illinois . They also so re-ages the debt as a new account with its inaccurate which violates FCRA regulations that this account is in fact inaccurate. The original creditor charge this account off and wrote it off as a bad debt I check with the IRS and will be sending in proof of this for this complaint. I need to see where I have proof you send me a contract barring my write signature that I owe this alleged debt to you. I need all the business transactions leading up to me owning this debt to Jefferson capital system LLC. I feel like they trying to coerce a payment out of me I need to see how all documents validating this debt not verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: PA

Complaint narrative:
In XX/XX/XXXX, I called Koalafi to see how much I owed them and to resolve this account since it was severely damaging my credit report. 
In XX/XX/XXXX, I paid the account in full. I requested a letter that the account is paid in full for my records and for the account to be removed from my credit report. I was informed that I will receive the letter in the mail and my account will be updated. 
I called again in XX/XX/XXXX to make sure these things were done and to inform them that I have not received the letter that the account is paid. Again, I was informed that I will receive a letter and my credit will be updated. 
In XX/XX/XXXX, I applied for a mortgage loan and was informed that Koalafi is showing late payments and past due amounts for several months which is damaging my credit. 
On XX/XX/XXXX at XXXX pm, I called Koalafi, again requesting a letter and for this account to be removed from my credit report. I was informed that they will close the account today. I received a letter via email within 5 minutes. I informed them they that they have been reporting misinformation on my account from XX/XX/XXXX until XX/XX/XXXX and immediately remove this account off my credit report. To date I do not know if this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
The company sent me a letter stating that the attached account would be removed from my credit report and its still not removed. I want XXXX  act # XXXX removed from my report within 72 hours of receiving this complaint. All documents attached.

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