vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request your prompt attention on the following and accurate information on my credit report. 

For your convenience, I have attached all disputing items listed in the enclosed pages of my credit report. 

The following items is is accurate and negatively affecting my credit. Please ring investigate this matter and delete and or correct the disputed items. 

I have contacted Experian, XXXX, XXXX XXXX and XXXX XXXX on XX/XX/2020. 

I explained to all of them that there is inaccurate information being reported on my credit report. Both, XXXX  XXXX  scores, split file and merged tradelines. 

I am writing to disputed the inaccurate information being reported on my credit report regarding " XXXX XXXX XXXX XXXX '' is reporting under " XXXX XXXX as a credit card. 

XXXX XXXX  is not a credit card account they only report to XXXX and XXXX  on weather or not I pay my rent on time. Became XXXX XXXX XXXX XXXX is being reported as spilt account on my credit file it is negatively affecting my credit utilization scores. 

I've reached out to all agencies to have them to correct the issues. However, they have failed to do so. 

I respectfully request that all agencies provide me with proof of disputed items specifically any contracts notes court documents or any instrumental bearing my signature. 

Failing that, this item must be deleted. 

You may send an updated copy of my credit report to the below address. 

I can be reached at XXXX or at XXXX or XXXX XXXX XXXX  XXXX TX 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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, CITIBANK NA/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, XXXX XXXX/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, HSBC BANK USA XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit information was released without my permission. My credit has pulled numerous times and address you have no knowledge of. I was divorced in XXXX and numerous requests have been made on. I cant even get a copy of my own 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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a copy of my credit report and found the following errors and violations : Equifax is reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 20 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. This account is paid in full. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 20 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand that my medical information be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I sent Credit Collection Services a letter to validate the debt they are reporting on my credit report from XXXX. The company sent me a health insurance claims form. Credit Collection Services did not send the original agreement between myself and the original creditor or any documents showing that Credit Collection Services is legally able to collect this debt. They did not send a contract between their company and XXXX. They also did not send documents showing that their company is registered and license in my state. These are basic documents needed to validate an account, not a health insurance claims form. Another issue is that the health insurance claims form that XXXX sent to Credit Collection Services has a diagnosis code from a medical issue that I had. This is a HIPPA violation. My medical diagnosis should not have been sent to this company so this company is also involved in a HIPPA violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness. 

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself. 

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision. 

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND XXXX would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS. 

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there. 

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the 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 explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness.

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself.

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision.

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND CNAC would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS.

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there.

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
We had reported a fraud claim on 2 purchases for my credit card ending in XXXX with chase credit card back in XXXX with picture people for XXXX and XXXX dollars but those were reverted back and rebilled to the account. We had clearly reported that our credit cards were lost stolen and were not used anywhere. We had reported 4 fraud charges they reversed out 2 of them for XXXX and XXXX from XXXX but not these 2. How is it possible we can use them at one place but not the other when we did not have possession of the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax,XX/XX/XXXX and XX/XX/XXXXCRAS. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknow items on my credit report. 60 days has passed i have not received anything from any of the credit agencies. I feel like they have ignored my disputes and I feel they have taken advantage of me by not looking into my request. section 611 ( a ) clearly states that failure to investigates theses items within 30 days they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to stress and mental harm you it cause me. My information was also impact by the equifax data breach which is a big concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I received a copy of my credit report and found the following errors and violations : Eexperian reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 10 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to XXXX XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Experian investigated and removed from my credit report in XX/XX/XXXX. However, it does not excuse Experian for violating my consumer 's rights. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 10 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand to be paid for the 10 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692 and Violations of HIPPA.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, FORD CRED and on XX/XX/2019, XXXX/XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief