vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX  XXXX, has 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. 
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. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account. 
Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties. 
Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion =================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX a unknown credit hard inquiry appeared on my report from JPMCB? I did not not apply for any line or credit! I have credit lock on account already how did someone access my information without permission to make a hard inquiry? Any further help or assistance regarding this matter would be greatly appreciated. Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MA

Complaint narrative:
There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I received a loan through XXXX and thus through Bridgecrest for financing of a XX/XX/2021 XXXX XXXX. I did not receive a statement in the mail for this and when i went online I was unable to find a statement. I contacted Bridgecrest customer support and was first told they do not provide statements and they do not mail as they are all online. I said this would most likely be a violation of 12 CFR 1026 and was directed to another agent who first told me that they did not do statements, then told me they emailed me one on XXXX XXXX. I pulled up the email and it was a reminder my first payment was coming up but there was no statement attached. I was put on hold and then the agent came back and said i would receive statements in the mail and that i would be emailed the current statement for my payment due and I was never emailed that statement.

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 2023-09-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consume rights to privacy and confidentially under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make a 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 my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-23 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:
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 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing Time-Barred Debt Reporting Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations.

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness.

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated.

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above.

Thank you for your dedication to consumer protection, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing Time-Barred Debt Reporting Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations.

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness.

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated.

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above.

Thank you for your dedication to consumer protection, and I look forward to your response. 

Sincerely, 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 2023-09-23 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: PA

Complaint narrative:
After being attacked with fraud towards many of my accounts I decided to pull my credit report after filing multiple fraud reports. I have been a XXXX patient during the times of these inaccurate and impermissible inquiries. The dates of address, phone numbers, bank cards, employment history, educational loan status is not right. I believe as it was explained to me by my advisors that my right has been violated under the, - FCRA Violations, Section 609 Stipulations, 15 USC 1692, 15 USC 1602, 15 USC 1601, and 15 USC 1666 are all in the investigation report received from TransUnion and its third-party consumer investigation. I took the necessary steps with locking my accounts and reporting these fraud attempts. My TransUnion file number is in my report. 

Thank you for your help.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian, XXXX, and XXXX credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the Experian website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-09-23 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:
On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to Experian, XXXX XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.

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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On or about XX/XX/23 I noticed a charge on my Paypal ( PP ) in the amount of {$350.00} rounded up. I called to have it removed from my PP account. PP through its alleged manager. XXXX XXXX ( or XXXX ) ( XXXX ) sent me a database in which to enter my claim for the {$350.00}. Credit. The PP database did not allow me to see my keystrokes, was very inforgiving and did not allow for correction of errors. Inadvertently I added a XXXX to my claim which made it {$3500.00} instead of {$350.00}. XXXX went ballistic and claimed he would be fired from PP for MY error. PP then proceeded, without court order, to invade my computer, lock it so I didnt have access to it and freeze my bank account, Then, instead of allowing me to send PP a personal or cashiers check which would have quickly cleared the matter, PP demanded through XXXX that I pay in gift cards issued by various stores ( XXXX , XXXX, XXXX , XXXX ). 

Im a partially XXXX XXXX years old war veteran and its difficult for me to walk, Because of PP, I had to go from store to store to store to purchase the gift cards ( because of daily XXXX XXXX limits on their amounts ). Its taken days to get the amount needed to repay PP. In the meantime, Ive not had access to my own computer or my own bank account. 

To say that PPs business practices are heavyhanded and XXXX like is an under statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
I have had a number of recent unauthorized credit inquiries added to my credit report and needed a correction or removal of all inquiries from XX/XX/XXXX  to recent to be deleted from my credit reports immediately due to unauthorized hard credit inquiries. Companies told me that this would be a, " soft credit check. '' I did not authorize any hard credit checks and ask for their immediate and permanent removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates , LLC kept calling me under fake numbers. I would ask who they are and why they were calling, but they wouldnt disclose any information about their company. They wanted me to confirm personal information before telling me who they were. They were rude and disrespectful when I asked why they used fake numbers. I had to confirm with the credit card company this was a legitimate debt that I owed. I have never had such an issue with a credit management company.

Company response to consumer: Closed with explanation