vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: OH

Complaint narrative:
I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by Equifax. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. 

Despite contacting Equifax and disputing these inquiries in writing, I have not received appropriate action or resolution. These inquiries have caused harm to my credit score, which has impacted my financial opportunities. 

Details of the Unauthorized Hard Inquiries : XXXX  Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, which violates the FCRA. 
Equifax is required to investigate and correct inaccurate or unverifiable information under FCRA 611 ( a ) but has not taken adequate action.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA requires that entities accessing my financial data must obtain my clear consent. These inquiries infringe upon my financial privacy rights.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Equifax is obligated to prevent and address deceptive, unfair, or abusive practices. The presence of unauthorized inquiries is a breach of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured personal loan account opened at XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). I have identified several fraudulent hard inquiries and collections on my consumer XXXX credit report. Attached, you will find a detailed list of the hard inquiries in question, as well as a copy of my XXXX credit report that highlights these fraudulent entries. I do not recognize the accounts, collections, or hard inquiries mentioned, as they were neither opened nor authorized by me. These entries are the result of identity theft and fraud. For verification, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), issued by the U.S. Federal Trade Commission, which confirms that these accounts, collections, and inquiries were caused by identity theft and fraud.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Fraud credit card opened in my name with CBNA. Account was opened XX/XX/XXXX and was closed XX/XX/XXXX with a overdue balance of {$2800.00}. XXXX, XXXX, XXXX, XXXX of XXXX where paid and then never paid again. I have called XXXX and they advised i call the CBNA overstock phone number and i filled a fraud dispute with them and they told me XXXX days for a investigation.

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 2024-12-16 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: SC

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am writing to inform you that my bankruptcy case has been discharged, and I am no longer liable for debts included in the filing. I informed the company this but they keep contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Company messed up my escrow amount and is showing a missed payment even though I have it set up on auto pay. Freedom Mortgage states I am not behind on any payments and states it was an error on their end. I'm currently in pre-approval for a XXXX  mortgage and my credit score report was dropped by XXXX points. I will take significant financial damage due to their error.

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 2024-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Disputed charge from XXXX  XXXX, Date XX/XX/year> in the amount of {$89.00}. Merchant has a 100 % satisfaction guarantee. I contacted them in a timely manner to request returning the item and getting a full refund as I was not satisfied with the quality of the item. They gave the run around and kept saying it is what I ordered. That is not in dispute. I am not satisfied with the qualify of the item so wish to return it. Multiple emails back and forth between myself and merchant were supplied twice to Capital One dispute center along with a long explanation that I am not 100 % satisfied and want a refund. The merchant attempted to get me to place a false review online in order for them to refund me. I refused. I disputed the charge with Capital One as the merchant is clearly violating their return and refund policy. Capital One closed the dispute stating the merchant said the item was delivered and in good condition. This is not in dispute. I am not satisfied with the quality of the item, I am not disputing that it was delivered. I appealed Capital One 's decision, they denied it saying I had not provided them with documents they asked for. I resubmitted the appeal with a copy of the documents - emails with the merchant and a copy of the return policy. Capital One denied it again saying I had not provided them with documents they asked for. This is not correct. I have submitted the documents twice, they have not bothered to read them as they continue to say the item was delivered which is not what I am disputing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have no knowledge to how these cards were open. I just recently filed XXXX XXXX Bankruptcy and now I have credit cards OVERDUE on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I received a call from a phone number with an Arizona zip code. The person claimed to be from American Express and told me that he was calling as I applied for an AmEx card and knew my name already. I had not applied for a card, so I told him this and he told me to freeze my accounts on credit bureaus. I am filing this to see if I am a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Request to Update XXXX XXXX Dear SageStream , LLC Consumer Center Support Team, I am reaching out to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated to ensure my profile remains accurate and up to date. 

Details to Update : Phone Number : XXXX For your reference, I have included proof of identity along with documentation confirming my current phone number. If you require any additional information or further documentation to process this request, please do not hesitate to let me know. 

I would appreciate it if this update could be completed at your earliest convenience. Once the update has been made, I kindly request confirmation that my records have been updated. 

Thank you for your time and assistance. If you have any questions or need further clarification, you can contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage became my provider in XX/XX/year>, and I called in to pay my mortgage on XX/XX/year>. They gave me confirmation that it was processed, however, the following month XXXX, I was sent a message saying it never went through. I called and spoke to management the day the message was sent, and they admitted to inputting the incorrect account number for my payment, and they said they would correct it, and it would not impact my credit. This has occurred XXXX out of the XXXX  months and yesterday XX/XX/year>, i received a hit on my credit even though the payment was made. 
I called to speak to management, spoke to Art # XXXX, and XXXX XXXX finally called me back XX/XX/year>. I asked her to please remove the post on my credit report ( especially since Freedom has admitted on the phone call that this was their fault in XXXX, XXXX, and XXXX. I received confirmation of my XXXX payment ( # XXXX ) ) and she responded that she would not remove it from my credit report. Too bad. That's not their fault. Find another way to pay bc it wasn't their fault. As someone in senior leadership, She was extremely rude, unprofessional, and incapable of making the wrong that Freedom Mortgage has done, right. Freedom Mortgage has mismanaged my payments XXXX out of the last XXXX  months, and engaged in fraudulent and unfair practices with their credit reporting, based on their own repeated mistakes. I've made payments each month, however Freedom has still applied the incorrect account number and now this has negatively impacted my credit.

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 2024-12-16 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file as outlined in 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX {$11000.00} XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} Fraudulent Inquiries to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file as outlined in 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX {$11000.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX  XXXX XX/XX/XXXX {$0.00} Fraudulent Inquiries to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
Name : Address : Date of Birth : SS # : Date : To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law. 
There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered XXXX  days of the due date. 
Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

Please update the following account below : XXXX. Account Name : XXXX XXXX. Account NumberXXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 
Sincerely yours,

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-16 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: OH

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries that appear on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX  and other applicable laws. Despite disputing these inquiries directly with Experian, I have not received a satisfactory resolution.

These inquiries have negatively affected my credit score and, as a result, my ability to secure financial opportunities on fair terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, violating the FCRA. 
Experian is required under FCRA 611 ( a ) to investigate and correct inaccurate or unverifiable information within 30 days of receiving notice.

XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 6801-6809 : The GLBA mandates that financial information can not be accessed or shared without the consumers consent. These inquiries infringe upon my financial privacy. 
XXXX XXXX XXXX XXXX ( CFPA ) 12 U.S.C. 5531 : Experian is obligated to prevent deceptive, unfair, or abusive practices. These unauthorized inquiries represent a failure to comply with this responsibility.

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