vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: NJ

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company 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 2023-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto Sales Recently just went out of business and then I start receiving calls from this company who co yours to charge me NSF Fees, talking about late payments, the interest was literally done however I see interest still being chargers with new Conpany so it seems I am being charged interest all over again. And its being charged Daily when I send that this supposed to be company had called me regarding the loan I looked up the info and right away felt they were a a scam because of them saying I owed money for late payment etc. 2nd the interest that showed on the loan when the site popped up said I owed maybe XXXX or so dollars in interest. Now it seems to be more interest being paid on a loan and maybe 20-30 % Going towards my loan I need to know about my Gap Coverage does it still exist? The car cost was XXXX and my loan anount was almost double that amount so since 2019 my account shows the price of like XXXX ish where has my money gone and were they just XXXX This is faulty and I did it trust this company. 

Everytime I call I cant ever understand the person on the other line and they dont understand me either so what do it do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following listed creditors listed below 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/2023 Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent in multiple dispute letters to the credit bueros, for inaccuricies that they were reporting explaining to them to correct it and that it was identity theft they still continued to report the information after I told them it was not mine XXXX XXXX XXXX XXXX XXXX XXXX A few other disputes I have That I do not have infornt me right but i sent last year as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: GA

Complaint narrative:
I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a letter of debt collection for services in a hospital that was not mine. I tried disputing with the credit bureau reporting the collection but to no avail. I attempted to dispute the debt again with substantiating documents proving that the debt was not mine. Still, I was unable to dispute the data because of the reporting agency 's website error. On XX/XX/2023, I sent both debt collectors validation inquiries and have not received a follow-up. The original letter I received had a name that was not mine and was for a hospital visit I never made. I contacted XXXX to verify that they were not billed or have a claim for a visit, and they concurred that there is no record of a visit utilizing my benefits number. This is greatly and negatively affecting my credit and my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: OneMain Finance Corporation
State: MI

Complaint narrative:
OneMain Financial clearly states Ithat I could check to see if I was approved for a perso AL loan without hurting my credit score. Unfortunately there are two accounts on my credit report where OneMain Financial has blind side consumers with false advertising. This is an act of fraud and I like to has them investigated for deceiving me as a consumer. I never submitted an application for a personal loan. It states check to see if you are pre-approved without hurting your credit. Also I would like an attorney to file a law sue for false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: SC

Complaint narrative:
I tried to communicate this matter with to get this account remove from my report in XXXX XXXXI 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX XXXX, self esteem, performance on my job and my duties as a mother. I also have done an ETF report which will be updated along with this complaint. I have been delt with 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 2023-09-04 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:
XXXX XXXX {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.

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 2023-09-04 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:
XXXX XXXX {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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:
XXXX XXXX {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern.

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at XXXX, Transunion, and XXXX. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me.

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at XXXX, Transunion and XXXX. 

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from Experian, Transunion and Equifax.

3. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at Experian that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by XXXX, Transunion and XXXX. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward XXXX, Transunion, and XXXX. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern. 

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at XXXX, XXXX, and Equifax. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me.

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at XXXX XXXX and Equifax.

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from XXXX, XXXX and Equifax. 

3. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at XXXX that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by XXXX, XXXX and Equifax. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward XXXX, XXXX, and Equifax. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I first notified you of the fraudulent activity months ago by a letter sent through the regular mail which you received. I know you received it because you responded telling me you needed me to call. Unfortunately, I travel a lot and calling is not so simple all the time specially, when you give me an XXXX number that doesnt work outside the United States XXXX somebody should educate your staff so theyre aware of that. Eventually, I have time and I call just a few days ago. First time transferred three times. I finally get a woman on the phone is actually able to help. I explain the situation and she wasnt really sure why the fraud claim wasnt processed. But she told me dont worry she understood the situation and that she would make sure that she had all the information she needed and start the investigation. Apparently all of a sudden I got your attention since you havent been able to help for months prior to this. Now, all the sudden after multiple letters telling me to call, you send me a letter bear weigh two days after Ive called and tell me that youve completed a reevaluation of the claim. When did you evaluate the claim to begin with because you never communicated that with me, there was never a credit issued to the account. I want to know what date it is, that you evaluated the claim initially, and how you communicated that with me? And you were able to reevaluate the claim in such a short amount of time that seems virtually impossible. If you have signed contracts I want to see a copy of every single one of them. I want to see my signature on there. Because just because the thief that stole my credit card signed a contract doesnt mean that I signed it. You know this I shouldnt have to tell you this I dont know why youre being so difficult. I am uncertain if you have not just broken the law. Because I did my part and theres supposed to be a XXXX liability for fraud. I didnt have the card in my possession. I didnt give permission to anybody else to use my card I didnt benefiting anyway from the card being used I never signed any contracts nor did my authorized user, we didnt even have the card and from the representative I spoke to just a couple days ago they were transactions in Indiana and Illinois and Tennessee XXXX I mean I dont even know how thats possible to be an all of those places. I guarantee you after this we wont necessarily be closing the account, but we will make no effort to use these cards. You clearly can not be trusted to protect protect your customers when something goes wrong.

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 2023-09-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following listed creditors listed below 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/2023 Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Has something on credit that I'm not able to get insurance in my state can't get vehicle insurance so I can't get my license plate sticker renewed and I've been put in jail over bad checks from XXXX bank but XXXX sent me two checks that I can't cash anywhere bank account has me XXXX XXXX XXXX XXXX in the bad and I don't know how or who to get it fixed XXXX won't cash them either and wouldn't even take my XXXX XXXX card when I had money on card to pay for stuff I had to leave without I don't think this is right to be treated like this I don't think this country is what it was when I was younger people just don't get it it's a free country but always about that money free isn't there anymore being treated like a dog pound for checking written because of needs to live is wrong in my book we have needs to live I hate to see where we're doing in a few years if this isn't stopped online banking was my fault but I didn't know it was going to change my life to this I don't even feel alive anymore and just don't care for it is what it is please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: GA

Complaint narrative:
I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed a XXXX XXXX  bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.

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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a XXXX XXXX bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
Opps loans has reported a charge off of my credit report. That means they have reported that as a lost written off with a 1099c. If it is written off than that charge off becomes personal income for for and should not be reported on my credit report and also I need a copy of the 1099c. If they reported it to the IRS as written off than they should not try to have me pay also. They are committing fraud.

Company response to consumer: Closed with explanation