vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-17 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-17 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request a proof that you went through all the proper and legal steps that would have been necessary to verify. 

Kindly eliminate/block the accompanying records as they are false and were opened without my assent or 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 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
In XX/XX/XXXX I found out that I had a medical debt collection of {$1000.00} on my credit report. The debt collection agency was Plus Four INCXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX but the number ( XXXX ) XXXX was disconnected. I then contacted the original billing company XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX. Apparently, I was seen at XXXX XXXX XXXX XXXX around XX/XX/XXXX and they failed to bill the correct insurance company. Since then I have moved twice and they failed to notify me properly before sending this to collections. What I find unusual is that XXXX XXXX XXXX was able to billing my XXXX XXXX  correctly but XXXX billed my XXXX XXXX incorrectly. They were supposed to bill XXXX as the primary and XXXX XXXX secondary. Apparently, they just billed XXXX XXXX and they told XXXX to bill my primary but XXXX didn't bill XXXX for some reason. 
I then gave XXXX my old XXXX account information so they could go ahead and properly bill the insurance company to collect their money. Since XX/XX/XXXX, I've been calling XXXX billing office regularly and they have yet to send a bill to XXXX to collect nor have they removed the amount from collections. I feel I have done nothing wrong yet I have a debt under collections and XXXX is failing to act on collecting from my health insurance company.

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 2023-10-17 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: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: AZ

Complaint narrative:
On XXXX I received a notification that my TransUnion credit report had received a hard inquiry from XXXX XXXX in Delaware. 
I immediately contacted TransUnion and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and XXXX wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from XXXX wanting me to provide my driver 's license which of course I did not. As far as I know XXXX did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the TransUnion again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. 
Thank you very much 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-10-17 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: DISCOVER BANK
State: CT

Complaint narrative:
I asked this credit card company to erase this fraudulent account from my credit history because I did not authorize to open this account. I also did not make any charges with this credit card. My mother impersonated me and opened this account without my knowledge. They sent all bills to her. She knew all my information because she is my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX  XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 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: PNC Bank N.A.
State: IL

Complaint narrative:
I am writing to complain to PNC BANK about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: AR

Complaint narrative:
My husband is the sole borrower for the loan with XXXX  XXXX  used to purchase our home ( I did not have a credit score at the time of purchase so was unable to be on the loan ). He was looking to refinance the loan to include the windows we purchased. 

The mortgage specialist at XXXX XXXX told my husband that he would need to do a " soft inquiry '' on my husband 's credit report to look at the potential to refinance. He also asked about possibly including me on the loan. I was unaware that this was all in progress when I received a call to " verify my information '' by stating my birthdate and social. I verified my information and was told that I was free to exit the call. 

At no point was I made aware of the need for me to be on the loan and I definitely did not agree to any application, or credit searches. I just thought I was verifying my info as a member of the household ( as I was included in the mortgage with the previous loan without actually borrowing or needing to have credit ). 

The next day I got a notification from XXXX XXXX that my score had dropped by XXXX XXXX. So the " soft inquiry '' that my husband had consented to had become a hard inquiry on MY account that I was not aware was happening. 

We reached out to the company and have been repeatedly told that while they " understand where we are coming from '' that they had not done anything wrong by not disclosing the reason for the " verification of information '' and not getting my consent to add me to a loan application. 

I was told my husband could consent for me, which is not the case given the XXXX XXXX XXXX. I feel that the way they obtained my social for the search without disclosing the intended purpose was an Unfair and Deceptive Act or Practice that took advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: Rocket Mortgage, LLC
State: AR

Complaint narrative:
My husband is the sole borrower for the loan with rocket mortgage used to purchase our home ( I did not have a credit score at the time of purchase so was unable to be on the loan ). He was looking to refinance the loan to include the windows we purchased.

The mortgage specialist at rocket mortgage told my husband that he would need to do a " soft inquiry '' on my husband 's credit report to look at the potential to refinance. He also asked about possibly including me on the loan. I was unaware that this was all in progress when I received a call to " verify my information '' by stating my birthdate and social. I verified my information and was told that I was free to exit the call. 

At no point was I made aware of the need for me to be on the loan and I definitely did not agree to any application, or credit searches. I just thought I was verifying my info as a member of the household ( as I was included in the mortgage with the previous loan without actually borrowing or needing to have credit ). 

The next day I got a notification from XXXX XXXX that my score had dropped by XXXX XXXX. So the " soft inquiry '' that my husband had consented to had become a hard inquiry on MY account that I was not aware was happening. 

We reached out to the company and have been repeatedly told that while they " understand where we are coming from '' that they had not done anything wrong by not disclosing the reason for the " verification of information '' and not getting my consent to add me to a loan application. 

I was told my husband could consent for me, which is not the case given the National Credit Act. I feel that the way they obtained my social for the search without disclosing the intended purpose was an Unfair and Deceptive Act or Practice that took advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I use BJs gas a lot so I got a credit card at the suggestion so a BJs associate. The dont let you use a XXXX XXXX so I had to use my physical address. I live in a rule area and we only get our Mail through a XXXX XXXX XXXX 
When I did use the card which was once to get gas it was XXXX. Because the Mail went to my street address it was lost for a week or so till the person that got it in the wrong box gave it back. 
Immediately when I got the bill I called told them to let them know and they waved the XXXX late charge. I also asked the representative what I owed and was that everything she said yes and told me it was all taken care of and wiped out. 
I never even looked at the bill in XXXX because I knew I paid it off and there should be nothing on it. XXXX came and I got another bill I opened it and it stated I owed them XXXX. I called them on XXXX XXXX and for 2 hours I went around in circles. The amount was not XXXX its now XXXX. 
The rational is that after I paid the XXXX there is an Interest of XXXX fee. A fee I knew nothing about. The representative I talked to said I owed nothing else. After talking to both the representative of capital one and the supervisor XXXX ID NUMBER XXXX. They told me they would wave the 1.50 interest charge but I will still have to pay the XXXX. I said if your waving the 1.50 interest charge thats what you assessed the late fees on then those should also be taken away. He informed me that if I dont pay these charges by XXXX XXXX I will keep accumulating XXXX charges all going on my credit report. For a card that was suppose to save me money on gas I now am paying XXXX for a tank of gas. 
I told them to turn off the card that none of this made any since. 
All of these call are taped Im sure and I dont know where to go with it. What a rip off. Then I found out that capital one has done the same thing to other people I know. Which is why Im coming to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 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: IL

Complaint narrative:
I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXXXXXX XXXX, I received notice that XXXX has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with Best BuyXXXX XXXX and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy/ XXXX that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: LA

Complaint narrative:
XXXX keeps contacting me regarding a debt thats not mine, or that I have no acknowledgment of the creation of the account.

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