vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXccount Number : XXXX Amount : {$260.00} Date of 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 2025-01-14 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-14 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: GA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 



I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory 4-day period. 



Thank you for your attention to this urgent matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXXata Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-01-14 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission. Please remove this item from my credit profile. According to the FCRA section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
I am writing to formally submit a complaint against TransUnion regarding their refusal to remove unauthorized inquiries from my credit report. Ive submitted several disputes along with an ftc report proving this was the result of identity theft. 

Inquiries : 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 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  These unauthorized inquiries are damaging my credit score and affecting my ability to obtain credit. I believe that TransUnion is not complying with the Fair Credit Reporting Act ( FCRA ) by failing to correct this inaccurate information.

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 2025-01-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2025, I received a letter from Lowe 's credit card, claiming they delicately applied a credit of {$84.00} to my account and now add that back to my statement. 

I checked my bills every month and there was never a duplicate credit that was applied to my account. 

Yet, when I logged into my account, I found another {$70.00} refund reversed to my account. 
If I didn't remember it wrong, that was a hardware purchase for my washer and dryer. However, I returned the washer and dryer later. When Lowes delivery worker came, I told them that it was a separate purchase and if it should go with the machines. They told me that they would refund me so I let the delivery workers take everything with them back. 

However, Lowe 's wasn't as efficient as they said. There was no refund shown on my account. So I made the call to the credit card customer service center and explained the situation and got the refund. They should have the conversation record. 

As to the {$8400.00}, it must be some purchase returned because I purchased a house last year and then made quite some purchases on Lowes and also made some returns.

There wasn't a duplicate credit that was ever applied to my account. Therefore, I ask for a reversal for those two charges that Lowes can not explain. 

Thank you.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC Last reported XX/XX/XXXX {$380.00} Open balance LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility XX/XX/XXXX ( 5 yrs, 11 mos ) Open Remarks Original creditor name Individual Placed for collection Placed for collection LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, this agencies and companies have violated my rights. 
15 U.S. C 1681 section 602A. States I have the right so privacy 15 US C 1611 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-14 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: RI

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith 1 ) XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX ) XXXX, XX/XX/XXXX, XXXX, EQUIFAX XXXX ) XXXX XXXX XX/XX/XXXX EQUIFAX XXXX ) XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX  EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Trying to determine if my deceased husbands student loan which is in his name only can be discharged. His loan servicer was XXXX until two months ago transitioned to Mohela. Called Mohela and spent two hours waiting to talk to representative. Someone finally answered and I gave social security number and they have no record of it despite paying them for two months. Representative stated she would escalate the issue and placed me on hold again which no one ever answered after waiting another hour on hold. I still do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
My ex-fianc added me as an authorized user on her XXXX XXXX XXXXXXXX credit card without my permission. I never used the card ( or even received XXXX ) and now it is in collections hurting my credit. It is also important to note that I have no way of contacting her.

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 2025-01-14 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: GA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 



I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory XXXX period. 



Thank you for your attention to this urgent matter. 



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 2025-01-14 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: GA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 



I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory XXXX period. 



Thank you for your attention to this urgent matter. 



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 2025-01-14 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: GA

Complaint narrative:
The credit bureaus continue to report information that is incorrect on my credit report. I contacted each bureau to make them aware of the incorrect information and none of them have made any moves to correct the information. This is the ONLY derogatory account on my credit report, and it appears as if they would like to keep it on my account to keep my credit score from improving. 

I have detailed the incorrect information on the letter that I will be including in this report. I am aware that XXXX has been in litigation with you for this specific reason. I believe that their reporting of this account falls into the parameters of that suit. 

The phone number listed as the contact number for the account is the Credit Bureau Reporting Department not the lender who purchased it nor the actual company. I only included snippets from XXXX, but all three have incorrect information.

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 2025-01-14 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: GA

Complaint narrative:
The credit bureaus continue to report information that is incorrect on my credit report. I contacted each bureau to make them aware of the incorrect information and none of them have made any moves to correct the information. This is the ONLY derogatory account on my credit report, and it appears as if they would like to keep it on my account to keep my credit score from improving. 

I have detailed the incorrect information on the letter that I will be including in this report. I am aware that XXXX has been in litigation with you for this specific reason. I believe that their reporting of this account falls into the parameters of that suit. 

The phone number listed as the contact number for the account is the Credit Bureau Reporting Department not the lender who purchased it nor the actual company. I only included snippets from XXXX, but all three have incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
The credit bureaus continue to report information that is incorrect on my credit report. I contacted each bureau to make them aware of the incorrect information and none of them have made any moves to correct the information. This is the ONLY derogatory account on my credit report, and it appears as if they would like to keep it on my account to keep my credit score from improving. 

I have detailed the incorrect information on the letter that I will be including in this report. I am aware that Experian has been in litigation with you for this specific reason. I believe that their reporting of this account falls into the parameters of that suit. 

The phone number listed as the contact number for the account is the Credit Bureau Reporting Department not the lender who purchased it nor the actual company. I only included snippets from Experian, but all three have incorrect information.

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 2025-01-14 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: NY

Complaint narrative:
On XX/XX/XXXX I spoke with a representative at XXXX to remove negative items on the report due to inaccurate and unauthorized inquires that continually show in the report. 
Also requesting rep to correct misspelling of my name and unknown addresses on the report to report 100 % accurate and truth. 
The representative ensured that the information would be removed and I would be given an update. 
# XXXX XXXX  call on XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
On XX/XX/XXXX I spoke with a representative at XXXX to remove negative items on the report due to inaccurate and unauthorized inquires that continually show in the report. 
Also requesting rep to correct misspelling of my name and unknown addresses on the report to report 100 % accurate and truth. 
The representative ensured that the information would be removed and I would be given an update. 
# XXXX XXXX  call on XX/XX/year> 2024

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