vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I am writing to dispute certain inquiries listed on my credit reports. My name is XXXX XXXX XXXX, and my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX AZ XXXX As a consumer, I am requesting the removal of these unauthorized and erroneous inquiries from my credit files, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable Federal Trade Commission ( FTC ) laws. 

Upon reviewing my credit reports obtained from XXXX, XXXX, and Experian, I have discovered multiple inquiries that are negatively affecting my creditworthiness. It is essential that these inquiries are thoroughly investigated and removed, ensuring compliance with the Metro 2 guidelines for accurate credit reporting. 

The following unauthorized inquiries are to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I kindly request a thorough investigation into the legitimacy and accuracy of these inquiries. If they are found to be unauthorized or inaccurate, I request their immediate removal from my credit reports, as mandated by the FCRA. 

Furthermore, I kindly ask for written confirmation of the removal of the disputed inquiries from my credit reports. It is crucial to update my credit reports accordingly and ensure future compliance with the Metro 2 guidelines to prevent any future inaccuracies. 

As per the FCRA, I request copies of the updated credit reports reflecting the removal of the disputed inquiries to be sent to the address provided above. 

Please consider this inquiry dispute letter as an official and time-sensitive request for investigation and resolution. Failure to comply with the FCRA and the FTC guidelines may result in further actions to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the improvement of my credit reports. 

Sincerely, 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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

NR/SMS/XXXX Account XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily 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 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX higher education 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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CapitalOne SavorOne card is supposed to come with an early spend reward : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening. XXXX XXXX XXXX  I applied for this credit card when this was offered and used it according to the terms. I did not get the reward amount that was promised. 

Upon further investigation, it seems that the {$200.00} offer did not apply to my account. The {$200.00} offer did not appear in my credit card information sheet that I got after the card has been approved. 

The representative over the phone was not able to identify the reason for this. There was no indicator that could be used to determine how this offer disappeared. 

I find CapitalOne 's application process to be extremely misleading, because at no point in the application process am I supposed to believe that the {$200.00} cash bonus is not applied to all SavorOne cards. I could only possibly be aware of this after the card has been approved. 

Reasons for this could range from discrimination to false advertising or tactics like bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I enrolled in a debt relief program with Freedom Debt Relief. According to our contract, we can end the contract at any time with no further obligation. On XX/XX/2023 we terminated our contract, including terminating the settlement of debts for XXXX XXXX and XXXX XXXX  and XXXX. We requested a refund of the debt settlement fees for the XXXX XXXX and XXXX XXXX  and XXXX XXXX as these debts remain unsettled, and Freedom Debt Relief is no longer paying these debtors. Freedom Debt Relief refused to refund the settlement fees for those two accounts, which to date remain unsettled. In addition, on XX/XX/2023, Freedom Debt Relief charged us an additional settlement fee of {$9.00} after our contract was terminated, and to ensure that our dedicated account which housed our deposits was depleted. We did not authorize them to charge any additional fees, as we were no longer in contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
mortgage company : select portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX customer service # XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX on XXXX select portfolio servicing reversed a total of 4 monthly mortgage payments and their website showed that I am owing a payment as far back as XXXXthat was a total of {$2700.00}. 
I called their customer service number and raised the issue telling them their XXXX statement is accurate while their website is not.Their reply was due to a review?! 
they had to take back the 4 payments and the issue would be corrected in less than 48 hours which they indeed did the correction. 
On XXXX I connected to their website and now I see that THEY TOOK BACK 5 PAYMENTS TOTALING {$3400.00} SHOWING THAT I OWE A PAYMENT AS FAR BACK AS XXXX. 
I CALLED this morning to inquire only to be told that they are going to correct the issue in a couple of days, I told the customer service this had happened on XXXX and now again on XXXX I can't do this every 13 days I would have a XXXX XXXX, I am a home owner making his payments in a timely manner. 
First, I don't know if they are going to correct this mistake in 2 days? 
Second, why are they reversing numerous payments in the name of illusional reviews?!! 
third, they did this on XXXX after sending a resolution letter dated XXXX assuring that the next payment due is XXXX with no past due amounts. 
Select portfolio servicing is not accredited by the XXXX XXXX XXXX and my loan will be paid off in less than a year, their actions the last 14 days are incomprehensible.,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TN

Complaint narrative:
This was originally falsely posted under credence resource as a debt, until I contacted them and their rep verified there was nothing under my name or phone number and I made him aware I believe I'm a victim of identity thefy/fraud and it definitely was not mine, and it was removed ... I thought, apparently they removed their name and now reposting this which is apparently some unknow named XXXX XXXX that they know is not mine still are allowed to falsely report it against me and it's not mine, under now Enhanced Recovery Co L ( Erc which I already reported on I'd theft report ), and so I called today XXXX XXXX after it just reappeared under a different name supposed XXXX, who knows, it's not mine regardless and they know it and the rep I talked to today XXXX XXXX admitted further there is nothing under my name or phone number yet they still intentionally report this false report damaging me, my name and my credit.She wouldnt give me XXXX phone or address and made exuses, but what's relevant is she like credence admitted they know it's not mine therefore this should be removed immediately and XXXX reported to FCC.Please remove all false and fraudulent statements immediately as the entities reporting false information intentional are fully responsible and liable.Thank you! 
Btw, clearly I don't have an account number because this is not mine, therefore I do not have an account.Due to the bad practices of XXXX bad debt collectors credence and now erc posting identical intentional false reports against my name they can not be trusted after both had reps that stated and confirmed what I already knew, that I do not owe them anything, and still they report false information against my credit report.Should never be allowed.Please remove all false and fraudulent reports asap and cease further false reports, I'm already going through being a victim of identity theft and I am NOT XXXX XXXX and all know it, so remove please immediately.Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
When I applied for the loan I didnt know insurances on the loan were cancellable, nor was it explained that the insurance on the loans would bear interest. It was not explained to me that using my car as collateral ( their appraisal ) would not be applied to the non-payment possession, only what they can sell the car for could/can be applied to the loan and I will still be responsible for the remainder. I would not have used my car as collateral if I had known this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: PR

Complaint narrative:
This agency XXXX is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), 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 to whom the report relates. 
They are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # 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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
This is my 5th attempt to write to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report STILL showed credit inquiries that I don't recall authorizing. Not only do I have identity theft and fraud alerts set, but I have my credit locked so that I am to be contacted PRIOR to any credit authorization or credit application. I have disputed with TransUnion multiple times, by phone, fax, and email, which included verifying my identity and sending proof from the credits they had no knowledge or records of me. 
I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm Offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX  Account XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : 1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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