vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: OK

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-29 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: AZ

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 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 2024-03-29 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: AZ

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 2024-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While looking at my credit report, I noticed inquiries that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
Ensuring prompt payments has always been my priority with this account, never allowing any delays to occur. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.

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 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an email from Sequium stating that they were contacting me to collect moneys owed on a XXXX account. I emailed and called Sequium to notify them that I dispute that I owe any amount to XXXX. As background, I purchased a new home and attempted to obtain internet services for my home. After weeks of delays, I contacted XXXX and they indicated that there was an issue scheduling the service connection. I was then mailed equipment to my home that I was supposed to be able to connect, but could not. I contacted XXXX again and was told that a technician would need to come to my home. When the XXXX technician visited, he recommended that we NOT use XXXX 's service because XXXX was not available in our neighborhood ( with older homes ) and the size of our home would result in poor connectivity. I then ordered services from XXXX, which I have now had since late XX/XX/XXXX. In sum, I never had XXXX XXXX. I have called, emailed and chatted with XXXX reps and shared this information multiple times. Not only have I not received a refund for the deposit I paid, I am not having to deal with a debt collector for amounts I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request an update to my credit report, specifically the removal of the hard inquiry that are not initiated by me. I've already attached below the necessary documents to support this request. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-29 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: CA

Complaint narrative:
Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}

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 2024-03-30 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a complaint against the three major credit reports agencies, Transunion, XXXX and XXXX is reporting a XXXX XXXX  XXXX of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the XXXX XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX New York stating the XXXXXXXX XXXX XXXXXXXX has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-03-29 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 urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-03-29 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: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Omni reported and closed complaint XXXX citing as a duplicate. 

It was not and is not a duplicate. I look forward to litigating

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/2024, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a Wells Fargo credit card while working with the company XXXX by XXXX. The card was specially applied for to cover home improvement services. 
While working with the closet by design team, we were not clearly explained the terms of the card. The card had a deferred payment amount of {$10000.00}. If not paid within 12 months, we were told wed be charged interest. What we did not know is that interest would be charge for the whole original amount. 
On XX/XX/XXXX with the remainder balance of {$1500.00} we were charged an interest on top of {$2600.00}. Have we known the interest would be charge on the original amount we wouldve paid it off. 
As of XX/XX/XXXX the card is fully paid off outside of the charged interest amount. 
I filed a dispute with Wells Fargo on XX/XX/XXXX and have not received a positive outcome.

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 2024-03-29 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: FL

Complaint narrative:
There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called XXXX to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.

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 2024-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We started on XX/XX/2023 to release some IRAs we had for my sons education, someone at the bank put a hold on them and Wells Fargo can not figure out why, my son was supposed to graduate welding school today, he will not get his diploma until we pay the school XXXX. We can not pay them because the bank can not figure out why they have a hold. We had to cancel a graduation party intended for today, we have someone high up supposedly working with us but I leave messages and no one returns my calls.My stress level is out of control the school thinks we are lying because it is such an outlandish situation. As a mother one of the best days of my life, graduation of a child. Is totally ruined he will not get a job recommendation and he is a great welder Wells Fargo has totally ruined what is supposed to be a defining moment in a parents life. Is there anything you can do to help us get our own money.thank you 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 2024-03-29 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: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them to legal liability and penalties.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation