vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: VA

Complaint narrative:
I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts were opened XXXX XXXX XXXX XXXX XXXX, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence showing XXXX XXXX XXXX XXXX when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.

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 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
The company MIDLAND CREDIT MANAGEMENT did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Noticed there were several hard inquiries I did not authorize.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Noticed there were several hard inquiries I did not authorize.

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 2024-04-06 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: PA

Complaint narrative:
there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 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 result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer. 
reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXX rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-04-06 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: PA

Complaint narrative:
there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 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 result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report XXXX XXXX circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer. 
reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXX rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: MS

Complaint narrative:
XXXX XX/XX/2023 checked my credit report with out authorization XXXX checked my credit report on XX/XX/2023 with out my authorization Please delete these inquiries

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 2024-04-06 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: Bernhardt and Strawser, P.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX, Regulatory Complaint Specialist responded ), Bernhardt and Strawser , P.A . ( XXXX XXXX XXXX responded ) to have a XXXX XXXX. account ending in XXXX removed from my credit file. Bernhardt and Strawser and XXXX XXXX Strawser filed a Motion for Summary Judgment against me on XX/XX/XXXX see Exhibit A. I went to a hearing on XX/XX/XXXX and the Arbitrator XXXX XXXX XXXX XXXX ruled that the Plaintiff ( XXXX XXXX XXXX XXXX ) was awarded nothing from the Defendant ( XXXX XXXX ) see Exhibit D. They could not validate that the account belonged to me. On XX/XX/XXXX Bernhardt and Strawser and XXXX stated that they was filing a motion with the Court that was never filed according to court documents. The Judge disposed-Final judgment No Trial..see Exhibit D. XXXX XXXX. refuses to remove this account from my credit file and it has caused me a XXXX Injury.

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 2024-04-06 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: EQUIFAX, INC.
State: PR

Complaint narrative:
Ive been waiting for days for Equifax to provide me the free credit report and they havent. I spoke to XXXX who gave me the case # XXXX, telling me itll take hours for the issue to be fixed and its been days. 

Same thing with XXXX, cant see the report or the score, even that I paid for it. Theyve been having technical difficulties for ever. I had to submit a complaint in my card. XXXX has always had a mess with my information and I have provided several times my IDs and still having issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: KY

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

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 2024-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I filed XXXX complaints with CFPB ( XXXX / XXXX XXXX ) because XXXX / Bridgecrest is not responding to our email or registered mail attempts to address our billing issues. Instead they took adverse action by sending in XXXX XXXX XXXX as their agent, to trespass onto my property and attempt to repossess the vehicle. Sheriffs were contacted and report filed ( Case # XXXX ) as the tow truck company, their agent, was caught having crossed INTO my backyard with their truck closed behind my locked gate. The XXXX made it clear to the agent, that the only property they could remove was their tow truck. 
They will likely tell you that they have resolved this matter by having someone reach out to us regarding the dispute. XXXX called and introduced herself as the agent with XXXX XXXX Bridgecrest. She said that she was to help resolve / address our CFPB complaints and the notice of Claim that we had sent in to legal. In my recorded conversation with XXXX, while voicing our concerns over misapplied finance charges, and asserting our rights as the consumer to mandatory arbitration before any adverse action could be taken, she advised that she was NOT with legal and could NOT advise on any of the concerns I had. She told me since their record, that I am contesting, shows that they have received " No payments '', that I should go ahead and relinquish the vehicle to the tow truck company that was illegally trespassing on my property.

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 2024-04-06 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: MA

Complaint narrative:
I attempted to apply for a XXXX card online, only to discover that XXXX was unable to process my application through their online system. Despite this, XXXX proceeded to conduct a credit inquiry. Upon realizing the online application could not be processed, I requested that both my online application and the associated credit inquiry be deleted. However, my request was denied. 

I expressed my concern to XXXX, asserting that their actions constituted fraud, as they accessed and retained my personal data without completing the application process. In response, they said if I filed a formal complaint, they planned to just deny my request again. They said that their credit pull was considered authorized as long as I clicked a button, regardless of the fact that they misled me about their ability to process my application. 

In an attempt to address the matter further, I contacted Experian for external resolution. Regrettably, they informed me that credit inquiries, even those made in error by entities like XXXX, are not typically removed from credit reports. Despite my insistence that XXXX 's actions amounted to fraud due to their unauthorized access to my data, Experian maintained that such actions are only considered fraudulent if the information is used by XXXX to apply for credit elsewhere. They asserted that simply obtaining personal data for other purposes does not constitute fraud. 

This experience has left me deeply concerned about the handling of my personal information and the lack of accountability in the credit reporting process. 

My application ID at XXXX XXXX. My ZIP - XXXX My Dispute Report Number at Experian : XXXX. My XXXX ID is : XXXX Last XXXX digits of my XXXX - XXXX. 

Feel free to use my personal data for investigation purposes but please, don't publish my personally identifiable information on your website.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was sent a form back in XX/XX/year> from Transunion to fill out for correcting my information. I found out from the banks that the credit bureaus had my social security wrong as well other information. I had to work with all three credit bureaus. My credit was mixed with someone else with the similar name. I thought since I sent in all my informaiton with a copy of my correct SSI # that everything would be corrected. XXXX and a half months ago I was advised by my bank that Transunion had my SSI # wrong that is why the bank can't identify me. I have spoken to several agents with Transunion and each and every time they tell me that its being worked on and should be fixed within XXXX days. This has been going on for XXXX and a half months when it should have been fixed back in XXXX when I sent in all paperwork and a copy of my SSI card. Now this is messing with me working with the bank in matters. As well as insurance companies go through Transunion for Credit Reports. I need this fixed and they are not doing anything to fix this matter that I have constantly been calling about for months now. They tell us to watch our credit reports for identity theft and fraud but fail to fix disputes and trying to get this resolved has become a huge nightmare. I feel at this point my true information and identity is held hostage because they credit bureau fails to want to resolve and actually fix this problem.

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 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am still being charged high late fees and 5 days prior, the website told me I did not have a payment due. I check today, and I am charged a {$29.00} late fee. According to news media, legislation was passed that late fees will be no more than {$8.00} per month. AND the fact that when I checked in late XXXX it told me I did not have a payment due. Very frustrating. I try so hard to keep all my bills current. 

Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: PR

Complaint narrative:
Ive been waiting for days for XXXX to provide me the free credit report and they havent. I spoke to XXXX who gave me the case # XXXX, telling me itll take hours for the issue to be fixed and its been days. 

Same thing with Transunion, cant see the report or the score, even that I paid for it. Theyve been having technical difficulties for ever. I had to submit a complaint in my card. Transunion has always had a mess with my information and I have provided several times my IDs and still having issues.

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 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
XXXX XXXX asked me to move out after a neighbor insisted my dogs were bothering her. I had to move against my will due the unfortunate circumstances. After agreeing that I would NOT be responsible for any fees or charges related to lease termination, they sent the account to collections. Address is incorrect, my apartment was not XXXX XXXX. This discrepency relieves me from any responsibility connected to XXXX XXXX, since lease is not valid if address is INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I found an account on my report that did not belong to me, which seems to have appeared XX/XX/XXXX. Ive contacted Chase multiple times and have not gotten a solution. Ive disputed this with all XXXX bureaus. This false report has caused my apartment applications to get denied. XXXX now have to offer double the funds for security deposit in order to move. Ive been trying to resolve this since XX/XX/XXXX, it is now XX/XX/XXXX. I have to move by XX/XX/XXXX. This has been a huge inconvenience as I had managed to keep a XXXX XXXX XXXX in preparation for moving to a new location.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
To whom this may concern my name is Lenora Cartagena, and I I'm the one generating this report. The accounts listed in this report should not be
reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S2. I have identified the inaccuracies in which need immediate correction and attention per FCRA guidelines. I request a thorough investigation into
these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history.

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 2024-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I filed XXXX complaints with CFPB ( XXXX / XXXX Carvana ) because Carvana / XXXX XXXX not responding to our email or registered mail attempts to address our billing issues. Instead they took adverse action by sending in XXXX XXXX XXXX as their agent, to trespass onto my property and attempt to repossess the vehicle. Sheriffs were contacted and report filed ( Case # XXXX ) as the tow truck company, their agent, was caught having crossed INTO my backyard with their truck closed behind my locked gate. The XXXX made it clear to the agent, that the only property they could remove was their tow truck. 
They will likely tell you that they have resolved this matter by having someone reach out to us regarding the dispute. XXXX called and introduced herself as the agent with Carvana / XXXX. She said that she was to help resolve / address our CFPB complaints and the notice of Claim that we had sent in to legal. In my recorded conversation with XXXX, while voicing our concerns over misapplied finance charges, and asserting our rights as the consumer to mandatory arbitration before any adverse action could be taken, she advised that she was NOT with legal and could NOT advise on any of the concerns I had. She told me since their record, that I am contesting, shows that they have received " No payments '', that I should go ahead and relinquish the vehicle to the tow truck company that was illegally trespassing on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have XXXX  XXXX card services and chase thats theres XXXX XXXX of dollars of transactions I would never be able to put in this space all the charges that took place that I didnt have the cards in my possession to make in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Theres alot of hard inquiry in my credit report that I did not authorized. Heres a list if you can please remove them. 

XXXX XXXX XXXX XXXX XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2023 2023

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