vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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:
Subject : Formal Complaint Regarding Fraudulent Inquiries on My Credit Report To Whom This May Concern I am writing to express my deep concern regarding two unauthorized inquiries that appear on my credit report from XXXX XXXX, specifically : XXXX. XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX To provide context, I had a prior account with XXXX that was closed in XXXX. However, I have not attempted to open any new accounts with XXXX XXXX since then. Despite my numerous attempts to address this issue, including sending dispute letters to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I have not received a satisfactory resolution. 

It is distressing to note that despite your assertions of no record of me having any accounts with your institution, these unauthorized inquiries persist on my credit report. This situation not only undermines the accuracy of my credit history but also poses significant challenges in managing and improving my credit standing. 

To rectify this matter, I have taken proactive steps, including filing a police report, and have provided both an FTC report and my Police Report as evidence of the fraudulent nature of these inquiries. I implore XXXX XXXX to take immediate action by contacting Equifax and ensuring the removal of these unauthorized inquiries from my credit report. 

Given the adverse impact these inquiries have had on my creditworthiness and financial well-being, I request your prompt attention to this matter. Furthermore, I seek assurance that appropriate measures will be taken to prevent similar occurrences in the future. 

I appreciate your prompt attention to this urgent matter and request confirmation of the actions taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
Subject : Formal Complaint Regarding Fraudulent Inquiries on My Credit Report To Whom This May Concern I am writing to express my deep concern regarding two unauthorized inquiries that appear on my credit report from XXXX XXXX, specifically : XXXX. XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX To provide context, I had a prior account with XXXX that was closed in XXXX. However, I have not attempted to open any new accounts with XXXX XXXX since then. Despite my numerous attempts to address this issue, including sending dispute letters to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I have not received a satisfactory resolution. 

It is distressing to note that despite your assertions of no record of me having any accounts with your institution, these unauthorized inquiries persist on my credit report. This situation not only undermines the accuracy of my credit history but also poses significant challenges in managing and improving my credit standing. 

To rectify this matter, I have taken proactive steps, including filing a police report, and have provided both an FTC report and my Police Report as evidence of the fraudulent nature of these inquiries. I implore XXXX XXXX to take immediate action by contacting Equifax and ensuring the removal of these unauthorized inquiries from my credit report. 

Given the adverse impact these inquiries have had on my creditworthiness and financial well-being, I request your prompt attention to this matter. Furthermore, I seek assurance that appropriate measures will be taken to prevent similar occurrences in the future. 

I appreciate your prompt attention to this urgent matter and request confirmation of the actions taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Inquiries on My Credit Report To Whom This May Concern I am writing to express my deep concern regarding two unauthorized inquiries that appear on my credit report from Comenity Capital, specifically : XXXX. XX/XX/XXXX : COMENITYCAPITAL/ALPHAEONXXXX XXXX XXXX XX/XX/XXXX : COMENITYCAPITAL/XXXX To provide context, I had a prior account with Alphaeon that was closed in XXXX. However, I have not attempted to open any new accounts with Comenity Capital since then. Despite my numerous attempts to address this issue, including sending dispute letters to both COMENITY CAPITAL XXXX and COMENITY CAPITAL ALPHAEON XXXX, I have not received a satisfactory resolution. 

It is distressing to note that despite your assertions of no record of me having any accounts with your institution, these unauthorized inquiries persist on my credit report. This situation not only undermines the accuracy of my credit history but also poses significant challenges in managing and improving my credit standing. 

To rectify this matter, I have taken proactive steps, including filing a police report, and have provided both an FTC report and my Police Report as evidence of the fraudulent nature of these inquiries. I implore Comenity Capital to take immediate action by contacting XXXX and ensuring the removal of these unauthorized inquiries from my credit report. 

Given the adverse impact these inquiries have had on my creditworthiness and financial well-being, I request your prompt attention to this matter. Furthermore, I seek assurance that appropriate measures will be taken to prevent similar occurrences in the future. 

I appreciate your prompt attention to this urgent matter and request confirmation of the actions taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score (, XXXX XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-02 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Accounts : XXXX XXXX XXXX, Opened XX/XX/2023 {$150.00} XXXX XXXX XXXX {$300000.00} Opened XX/XX/2023These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-05-02 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: AL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-02 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: AL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-02 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.

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

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 2024-05-02 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
i checked my credit score and it decreased. i noticed an auto loan and tried to dispute it because it is not mine. the report came back that the account was mine. i do not own this vehicle. the company says the vehicle was purchased in new jersey. i live in florida. i never signed anything or was in person to set up this account. i would like this account removed immediately. i also did a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank and I came to an agreement to settle my credit card account that was charged off on XX/XX/year> they stated they would report this account as settled for less than the full amount once I made 3 consecutive payments of {$260.00} on XX/XX/year>, XX/XX/year> and XX/XX/year> I paid all 3 on time, and the on time payments reflect on my credit report. Yet Barclays continues to report it as a charge off with a balance 3 years later which affects my utilization and efforts to rebuild my credit. I have tried disputing this account numerous times but Barclays continues to state that the balance is correct to the credit bureaus. Additionally Barclays did not send me a 1099 C form so I was unable to file my taxes correctly for that year.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2024, I sent a dispute letter to Experian, requesting specific information regarding the accuracy of my credit report, particularly regarding the Public Record Court Name : XXXX XXXX XXXX XXXX XXXX with Reference Number XXXX. The information I requested included the Date of Contact with the Furnisher, the Furnisher 's Contact Information, the Name of the Person Who Verified the Items, the Method of Communication Used for Verification, and whether the Furnisher provided My SSN, Date of Birth, and Address. Despite my clear and reasonable request, Experian responded on XX/XX/2024, without providing the specific details I requested. Additionally, upon reaching out to XXXX for my consumer report on XX/XX/2024, with Consumer Number XXXX and Case Number XXXX, it was found that no bankruptcy is being reported as it is unverifiable. Experian 's response did not include the specific details requested regarding the accuracy of my credit report, which is essential for ensuring fair and accurate reporting. Experian 's failure to disclose the requested information undermines transparency and accountability in their credit reporting practices. The discrepancy between the information provided by Experian and the consumer report obtained from XXXX raises concerns about the accuracy and reliability of Experian 's reporting.

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 2024-05-02 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FinFit Holding Co, LLC
State: FL

Complaint narrative:
Loan ID # XXXX The Loan Origination date was XX/XX/XXXX, in the amount of {$5000.00} with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via a service offered through my employer XXXX XXXX as an employee benefit option. 

XX/XX/XXXX, I received an e-mail correspondence from XXXX XXXX advising the company has been rebranded and now Fin Fit brand will be servicing my loan- my account has been moved to the Fin Fit platform. 

Upon reviewing my loan balance history on the Fin fit website on XX/XX/XXXX, a payment adjustment of {$26.00} was added to my account ( no explanation provided as to why ). 

My Balance increased from {$3900.00} to {$4400.00} on XX/XX/XXXX ( no explanation provided to the increased and no payments have been missed- as the payments are deducted from bi-weekly payroll advice ). 

I contacted FinFit customer service on XX/XX/XXXX to inquire on the balance increased and no resolution has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has closed XXXX of my credit card accounts with them for " security reasons. '' While I don't believe this is fair without knowing the exact details, a bank does have the right to close accounts of their clients for their own risk-purposes. However, Citi has closed my account and I have a credit balance that needs to be refunded. Despite multiple attempts via phone and chat to get this negative balance refunded back me, there was no success. This is applicable for XXXX of my credit cards with them. 

In addition, this has happened to me last year when Citi all of a sudden closed my bank account ending in XXXX and NEVER refunded me the almost {$1500.00} in that account. I have been trying for a full year and every time I talk on the phone, they state the account is closed and can't help me. It has reached a point where they won't allow for a dialogue to receive what is already my money. Just because the bank closed the account doesn't mean they take ownership of the money in it. They are acting like dictators and this needs to be stopped by rule of law.

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 2024-05-02 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: NY

Complaint narrative:
I recently reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-02 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS STATING THAT I AGREED TO THE HAVING ACCOUNTS OPENED. THE ACCOUNTS ARE FRAUDULENT. and further litigation will follow if accounts are not deleted.

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