vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: EQUIFAX, INC.
State: FL

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 non-monetary relief
Consumer complaint received 2024-07-14 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: MI

Complaint narrative:
Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 2024-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have student loans and car XXXX that I never paid back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2024, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/2024, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/2024, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/2024, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2024, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/2024, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/2024, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/2024, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/year>, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/year>, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/year>, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.

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 2024-07-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I noticed a hard inquiry from AMEX on my credit report, even though I did not apply for any new credit card. This wasn't authorized by me, and I would like it to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing in reference to my recent dispute regarding the inaccuracies in my credit report. Despite my previous request, I have not been provided with the specific name, address, and contact information of the data furnisher involved in the disputed item.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to this information to ensure that I can address and resolve the inaccuracies in my credit report effectively. It is insufficient and non-compliant to merely direct me to contact the lender without providing the exact details of the data furnisher you consulted during your investigation.

Please provide the following information promptly : 1. The name, address, and phone number of the data furnisher ( s ) you contacted to verify the disputed information.

2. Detailed documentation and evidence of the investigation process, including the specific steps taken to verify the accuracy of the disputed item. 

It is imperative that XXXX complies with this request to facilitate a transparent and fair resolution of the dispute. Failure to provide this information may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice under the provisions of the FCRA.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing in reference to my recent dispute regarding the inaccuracies in my credit report. Despite my previous request, I have not been provided with the specific name, address, and contact information of the data furnisher involved in the disputed item.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to this information to ensure that I can address and resolve the inaccuracies in my credit report effectively. It is insufficient and non-compliant to merely direct me to contact the lender without providing the exact details of the data furnisher you consulted during your investigation.

Please provide the following information promptly : 1. The name, address, and phone number of the data furnisher ( s ) you contacted to verify the disputed information.

2. Detailed documentation and evidence of the investigation process, including the specific steps taken to verify the accuracy of the disputed item.

It is imperative that Experian complies with this request to facilitate a transparent and fair resolution of the dispute. Failure to provide this information may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice under the provisions of the FCRA.

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 2024-07-14 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: NY

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately.

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 2024-07-14 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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately.

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 2024-07-14 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: EQUIFAX, INC.
State: TX

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. 

Account name : XXXX XXXX XXXX ( XXXX ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 1681i 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 individual about whom the report relates according to 15 USC 1681 ( e ) ( b ), And according to 15 USC 1681i 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 ( i ) 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 2024-07-14 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: LA

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my 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 2024-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchase a tv in XXXX. The night before going to the store, I activated a XXXX  % rewards back that was sent to me as a credit card holder ( photo attached ). I wanted to be sure that was on there for future purchases ( aka a laptop and tv I had been eyeing ). The next day I go to the store, a rep helps me with getting my tv and is talking to me trying to upsell me on other things even as we get to the cash register its so distracting that I accidentally select the wrong radio button and choose XXXX  month financing instead I tell him we need to cancel and do over and he says dont worry I can call Best Buy card services on the back of the card to have them switch it to the XXXX % rewards. He loads my tv and I leave. This was on a Sunday. Credit card services office was closed so I called Monday and they told me they could not do what the rep said and I will have to go back to the XXXX XXXX in XXXX. So I go back to the store and talk the the manager XXXX, who is now the general manager and tell him what happen on the previous Sunday with the rep, show my receipt, the screenshot of me activating the XXXX  % rewards offer, and he says he cant switch it, he did not offer a gift card for the XXXX  % on the previous purchase. He simple stated he didnt know why credit card services sent there but he stated he would give me 10 % off my next purchase. I was like how do I know youll be hear and how do I know you wont follow through on your promise. He told he wasnt that type of guy- he was not like that. I told him great because I had been eyeing an XXXX laptop and needed a new refrigerator. I showed him the laptop. He started talking to me about the membership plan and no point did he say when I came back he would not be able to discount my purchase if XXXX was included. Fast forward, I show up today XXXX and one he is not at the store and when I asked can he contact me because he made the promise to me and Best Buy has promotions that are ending today- he refused to call saying he is spending time with his family. Like I understand but this is a one case and the other manager on duty didnt know what was going on and was unhelpful and borderline argumentative. It was such a bad customer experience and managers should be held to a higher standard and just know better and follow through when they say they will do something.

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 2024-07-14 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report below information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$580.00} Account Name : XXXXXXXX XXXX Account number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1800.00} Hard Inquiries Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXXXXXX  Inquiry Date : XX/XX/XXXX My current home address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-14 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report below information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible. 
I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$580.00} Account Name : XXXXXXXX XXXX Account number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1800.00} Hard Inquiries Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX My current home address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief