vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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:
I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a hard inquiry on my credit score for a Capital One credit card that I never applied for it shows that they removed it off of my credit score but it got put on immediately after they removed it I called Capital One they agreed and said this should not be on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX [ ] [ XX/XX/year> ] Wells Fargo XXXX XXXX XXXX ] [ XXXX XXXX, SD XXXX ] Subject : Request for Removal of Account Due to Identity Theft and FCRA Violation ( Account No. Ending in XXXX ) To Whom It May Concern, I am writing regarding the account referenced above, which Wells Fargo claims is in my name, XXXX XXXX. This account is the result of identity theft, and I have already provided documentation supporting my claim, including police and FTC reports. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested proper validation of the debt ; however, instead of providing appropriate documentation, you sent a bank statement. 
A bank statement does not satisfy the validation requirements under FCRA. I have not received any documentation showing that : This debt was incurred by me personally ( e.g., a signed contract or agreement ). 
The details of how the amount was calculated. 
Evidence that this account was lawfully opened and maintained by me. 
Because Wells Fargo has failed to provide proper validation and because this debt is the result of identity theft, I am formally requesting the removal of this account from my credit reports with all credit bureaus immediately. I am also requesting that any and all collection efforts related to this account cease. 
Failure to address this matter and remove the account is a violation of my rights under the FCRA, and I reserve the right to pursue further legal action if necessary. 
Please confirm in writing that the account has been removed within 30 days of receiving this letter. 
Sincerely, XXXX XXXX [ Account No. Ending in 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-24 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: OH

Complaint narrative:
RE : NOTICE OF VIOLATION UNDER 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FOR UNAUTHORIZED REPORTING To Whom It May Concern, Upon reviewing my recent credit report, I have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Specifically, these violations pertain to the unauthorized furnishing of reports in connection with credit or insurance transactions that were not initiated by me, as outlined under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). This section of the FCRA mandates that a consumer reporting agency may only furnish a report in connection with credit or insurance transactions that were not initiated by the consumer if the consumer has authorized the agency to do so or if the transaction involves a firm offer of credit or insurance. Moreover, the FCRA stipulates that inquiries regarding credit or insurance transactions that are not initiated by the consumer must not be disclosed to any party, except under specific conditions outlined in Section 1681g ( a ) ( 5 ). I am demanding the immediate removal of the disputed items from my credit report as required under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). The items in question are listed below : XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXXXXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX  XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
According to the IRS Canceled debt ( CHARGE OFF ) Is gross or ordinary Income. According to the BUREAUS INCOME DOES NOT GET REPORTED. So this CHARGE OFF 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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a TJMAXX card that I can use everywhere and recently noticed they are charging me a fee {$1.00} for a paper statement. They want me to go online to see my monthly statement. I don't want to use online because of the risk of hacking, most companies just don't have the security they need to fully protect their clients. 

This card is serviced by SYNCB. 

This action forces a person to have access to internet/online capabilities, many people do not. I realize I can close account and move on, but SYNCB serves many companies, i.e. XXXX for one, I am sure there are many more. When you add up the {$1.00} monthly charge for paper statement, this is millions of dollars that the consumer is expected to pay. 

Sending a paper statement via XXXX XXXX, is their cost of doing business and should not be past on to the consumer.

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 2024-09-24 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Wellness LLC
State: TX

Complaint narrative:
When contact was first made with Credit Wellness LLC I was on XXXX searching specifically for a phone number to contact XXXX XXXX XXXX when a link clearly with the name of XXXX XXXX XXXX brought up a phone number that I called from XXXX. A representative picked up and I did not know until much much later into the call that I was not speaking to someone regarding resolution of the account from XXXX XXXX XXXX. I paid a lage upfront fee and was made to subscribe to another service XXXX  as well. While the had 1 item removed from credit report in the XXXX month there has been nothing sense then and I am out of the money originally meant to pay my debt to XXXX XXXX XXXX and will have to work atleast 2-3 months just to pay it off unfortunately. I find this way of misleading customers into believing they are contacting XXXX XXXX XXXX to be intentionally misleading and predatory with many customers such as myself only continuing with the service in dear hope that Credit Wellness LLC can do what it promises for its customers now that we are out of the money meant to pay the original debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I visited XXXX XXXX on XX/XX/year>, and the front desk never informed me that I was being double charged by both the hospital and the doctor. I paid my doctor 's visit fee of {$120.00}, as the staff member only mentioned that amount. Now, the hospital is trying to charge me an additional {$870.00}, and I have no idea where that charge comes from. The only official charge I received was for the XXXX XXXX, which was {$440.00}. Its concerning that the hospital uses such unclear shady practices, leaving patients unaware of any hidden charges. Additionally, I am now being harassed by a company called Franklin Collection Services, which is contacting me with calls and letters demanding payment for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 2024-09-24 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: TN

Complaint narrative:
I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant distress. Please correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
after I cancelled my membership connecting my bank account Experian lowered my XXXX XXXX XXXX points

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 2024-09-24 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: NY

Complaint narrative:
XXXX student loans appear twice on 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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