vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section XXXX, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : XXXX XXXX XXXX, inquiries that can not be verified must be deleted. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires reported data to be accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries that XXXX be related to identity theft. 


Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's XXXX purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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 2024-12-03 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: IL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if 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 2024-12-03 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: Sunbit, Inc.
State: CA

Complaint narrative:
To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at XXXX XXXX and Sunbit due to the recent XXXX data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

Name of Account Account Number XXXX  XXXX XXXX SUNBIT, XXXX XXXX Mistaken Identity Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I recently obtained a copy of my credit report and noticed unauthorized inquiries listed. These inquiries have negatively impacted my ability to apply for new credit. I request the immediate removal of the following inquiries from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2024, I applied for a business banking account with XXXX XXXX. I was denied based on information provided by Early Warning Services. I requested a report from Early Warning Services and proof of information reported. 

I received a report online and disputed the information on the report as it was found to be incorrect. 

No proof was ever sent to justify reporting incorrect banking information. 

I am requesting all information to be removed as the information proof has not been provided to me per request. 

This is preventing me from opening accounts and also can result in closing accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/year>, I applied for a business banking account with XXXX XXXX. I was denied based on information provided by XXXX XXXX XXXX. I requested a report from XXXX XXXX XXXX and proof of information reported. 

I received a report online and disputed the information on the report as it was found to be incorrect. 

No proof was ever sent to justify reporting incorrect banking information. 

I am requesting all information to be removed as the information proof has not been provided to me per request. 

This is preventing me from opening accounts and also can result in closing accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I applied for a business banking account with XXXX XXXX. I was denied based on information provided by XXXX XXXX XXXX. I requested a report from XXXX XXXX XXXX and proof of information reported. 

I received a report online and disputed the information on the report as it was found to be incorrect. 

No proof was ever sent to justify reporting incorrect banking information. 

I am requesting all information to be removed as the information proof has not been provided to me per request. 

This is preventing me from opening accounts and also can result in closing accounts

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 monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Applied for a Citi credit card, was notified I was denied a day later, but they did not inform me why. Had to wait for them to mail me a letter telling me why, yet the letter did not confirm what the denial reasoning was. I have other reputable credit cards and a mortgage, I know the issue was not my credit, so I was perplexed.

Its incredibly hard to find Citis customer support number, yet after sleuthing the internet, I was able to find one. Finally got through the terrible automated system to a live person to ask why I was denied. They asked if I got the mailed letter and I said yes, but theres no reasoning. They transferred me to a XXXX specialist, the woman claimed I passed the credit check, however, they could not verify my personal information. She told me to log into XXXX & update my personal information, then call the company back and ask them to re-run my information. 

I did not have an XXXX account set up, so I created XXXX. Let it update for XXXX business days, then called the company back and explained what the first XXXX specialist had informed me to do. I sat on hold for XXXX hours to be transferred to a XXXX specialist yet again. When he finally got on the phone he informed me they would have to run my credit again as they cant confirm what my phone number is. I explained I just needed them to run the XXXX report again, and he said no, they have to run the entire credit check again. I already passed the credit check, I do not need another hit on my credit, they just need to verify my phone number. Then I asked if they can verify another way, perhaps mailing me a letter again, he stated no. He then claimed its because I had a freeze on my account, I double checked XXXX and theres no freeze set up. 

So, I now have a hit on my credit report for a bank who I passed the credit check for, but was denied because their system is so outdated they cant verify my personal information any other way. Citi will claim something is wrong on the customers end or with XXXX, but cant prove it, just so they dont have to do their job. This is a different level of scammers and I can not understand how this bank is still in business.

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 2024-12-03 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act which is a Federal Law that governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Accuracy and fairness of credit reporting. ( 15 USC 1681 ( a ) 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Permissible purposes of consumer reports. 15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

This Credit Reporting Agency is under Federal Violation for using my Copyrighted information, therefore this credit reporting agency should remove all unwarranted information off my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing regarding the denial of my car loan application referenced above. I The denial letter stated that " additional or different terms are necessary for us to extend credit, '' without providing specific reasons for the denial. Furthermore, your decision relied on a third-party credit report, which raises concerns about the accuracy and legality of your evaluation process.

I believe this credit denial may violate several consumer protection laws for the following reasons : Lack of Specific Reasons : The Equal Credit Opportunity Act ( ECOA ) under 15 U.S. Code 1691 ( d ) ( 2 ) requires creditors to provide specific reasons for adverse actions. The vague statement in your letter does not satisfy this requirement and denies me the ability to address 
or correct any potential issues.

Inappropriate Use of Credit Factors : Your denial appears to rely on non-decisive factors unrelated to my ability to repay the debt, contrary to the requirements under the Truth in Lending Act ( TILA ) and related statutes. Denying credit based on such factors may constitute a violation of 15 U.S. Code 1611.

Adverse Action Based on Third-Party Reports : If your decision was influenced by information in my credit report, the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 requires that I am provided with specific details about the report and an opportunity to dispute any inaccuracies. Your failure to provide these details hinders my ability to ensure the accuracy of the information used against me. 

I respectfully request the following actions be taken within 5 days of receiving this letter : Option 1 : A written explanation of the specific reasons for my credit denial, in compliance with 15 U.S. Code 1691 ( d ), or Option 2 : -A reconsideration of my {$60000.00} car loan application, excluding any factors that are not directly related to my ability to repay the debt, and -Provide me with a manual review and approval of my car loan application.

Should you fail to address these concerns or comply with applicable laws, I may pursue remedies available under 15 U.S. Code 1691e for violations of the ECOA and other applicable statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
Upon reviewing my credit file after being denied credit, I discovered that incorrect information is being reported, including fraudulent accounts such as an apartment lease, a mobile phone, and a credit card. I am filing this complaint against XXXX, XXXX, and TransUnion for failing to thoroughly investigate and verify the accuracy of this information before reporting it. 

I have formally disputed these accounts with each credit reporting agency, notifying them that I do not recognize or authorize these accounts. Additionally, I suspect I am a victim of the XXXX XXXX breach, as I have received notifications indicating my information was compromised. I believe these fraudulent accounts were opened as a result of this breach. 
Based on my understanding of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, any account identified as fraudulent by the consumer must be thoroughly investigated and blocked from the credit file. Furthermore, under Section 611 ( a ) of the FCRA, credit reporting agencies are required to report accurate information and must promptly investigate and remove all disputed inaccuracies.

These fraudulent accounts are causing significant hardship, and I request an immediate investigation into 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 2024-12-03 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: CA

Complaint narrative:
Upon reviewing my credit file after being denied credit, I discovered that incorrect information is being reported, including fraudulent accounts such as an apartment lease, a mobile phone, and a credit card. I am filing this complaint against XXXX, Equifax, and XXXX for failing to thoroughly investigate and verify the accuracy of this information before reporting it. 

I have formally disputed these accounts with each credit reporting agency, notifying them that I do not recognize or authorize these accounts. Additionally, I suspect I am a victim of the Equifax data breach, as I have received notifications indicating my information was compromised. I believe these fraudulent accounts were opened as a result of this breach.

Based on my understanding of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, any account identified as fraudulent by the consumer must be thoroughly investigated and blocked from the credit file. Furthermore, under Section 611 ( a ) of the FCRA, credit reporting agencies are required to report accurate information and must promptly investigate and remove all disputed inaccuracies. 

These fraudulent accounts are causing significant hardship, and I request an immediate investigation into this matter.

Company response to consumer: Closed with non-monetary relief