vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : 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 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IN

Complaint narrative:
According to 15 USC 6802 ( b ) You are by law, to notify me or give me a warning if you were going to place any information on my Conumer Crefit Report. I was by law supposed to be given 3 warnings that this information was going to be put on my Credit Report. I would also like to see the in writing the proof that they gave me 3 notifitcations that this was going to be reported to the credit agencies. By law, you have 30 days to provide the documentation I have asked for. 
Thank you for your assistance. 
Sincerely, XXXX XXXX According to 15 USC 6802 ( b ) You are by law, to notify me or give me a warning if you were going to place any information on my Conumer Crefit Report. I was by law supposed to be given 3 warnings that this information was going to be put on my Credit Report. I would also like to see the in writing the proof that they gave me 3 notifitcations that this was going to be reported to the credit agencies. By law, you have 30 days to provide the documentation I have asked for.

Thank you for your assistance. 
Sincerely, 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that your reporting agency, block and remove the information that is on my report as a result of identity theft, fraud, and human trafficking and debt bondage within 4 business days. I have attached all the necessary supporting documents including a police report from the XXXX XXXX police department. the fraudulent accounts consist of an auto loan from ( XXXX XXXX opened XX/XX/XXXX ), a personal loan account opened by XXXX XXXX opened XX/XX/XXXX ), and ( XXXX opened I also have a publics records of a XXXX  XXXX and XXXX bankruptcy that im requesting to be removed and blocked due to the company not being able to provide a reasonable explanation on how my person information was obtained. I have also enclosed supporting documentations for that as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I am a victim of identity theft. There's a fraudulent account reporting on my credit report that I did not authorize. This account is the XXXX XXXX  ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of XXXX, numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving Macy's/Citibank , they even withdrew from my XXXX  XXXX bank account without my permission. Their records even indicated an address and phone number change, which were not mine, yet they concluded their investigation, stating that I was responsible. After informing them, in XX/XX/XXXX, that I would be taking legal action in XXXX of XXXX, they suddenly adjusted my account which is now showing a {$350.00} credit. However, they've yet to make any statements via phone or in writing, that they are accepting responsibility. Below, you will see the false inquiries listed, including the fraudulent event : XX/XX/XXXX - Macys/Citibank - Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX  XXXX XXXX Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX  - Fraudulent Inquiry -- -- -- -- -- -- XXXX -- -- XX/XX/XXXX - Macy 's attempted to withdraw {$1800.00} from my personal XXXX XXXX account, without my permission or knowledge and failed to do so due to insufficient funds. 

XX/XX/XXXX- Macy 's withdrew {$1200.00} from my personal XXXX XXXX account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and XXXX XXXXXXXX of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay Macys/Citibank in that manner. 
Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/XXXX Macy 's Reversed the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/XXXX Macy 's retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/XXXX Macy 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also caused financial loss in the form of a bounced check and late payment to 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 monetary relief
Consumer complaint received 2024-09-26 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Received an email saying I applied and was denied for an Indigo Mastercard Account issued by XXXXXXXX XXXX. I never applied for this. My credit score dropped because of it. 

At the bottom of the email, it says, " This email is from Concora Credit Inc. '' I have never heard of any of these companies or banks. 

The email was received at XXXXXXXX XXXX on XXXX. It is from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
i looked at my credit report on XX/XX/year> and notice some things are inaccurate unders 15 usc 1681 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
To whomever it XXXX concern : Thank you for taking some time to read the contents of this letter. I'm writing this letter because I took notice that My most recent credit report comprises a late payment on my Toyota Financial account, reported in XX/XX/year> ( {$270.00} ) and XX/XX/year> ( {$600.00}. ) I fully acknowledge and understand my financial obligations. While I had XXXX missed payments, this was due to an oversight after making a large payment towards the principal. Prior to and since then, I have maintained a responsible payment history. I have since made all payments on time, and the account is now closed with the vehicle fully paid off. I believe these missed payments were an exception to my overall responsible handling of the account.

I'm planning to apply for a loan and it's come to my notice that the missed payment on my record could hurt my ability to qualify. I honestly trust that my previous actions do not reflect my credit, worthiness and commitment to paying my debts. It would be a kind gesture if you would grant me a second chance and make goodwill and removing the late payments in XXXX of 2021 and in XXXX of 2021. 


Thank you for your consideration, and I hope that you will approve my request XXXX regards, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
After checking my credit report, I noticed multiple billing errors. The recorded late payments do not correspond with my regular payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX D.O.B. XX/XX/year> SS # XXXX The information about bankruptcy is inaccurate, and I contacted both the court and the credit bureau to address the error. The court confirmed that it does not provide information to the credit bureaus. I then contacted all three credit bureaus with this explanation from the court. While XXXX removed the error, XXXX and Experian have yet to do so. I sent certified letters with return receipts requesting the identity of the information 's source. The bureaus responded, claiming the court was the furnisher, which the court has denied. Therefore, the bureaus have failed to reveal who actually furnished the information. 

According to The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to disclose the source of information on a consumers credit report under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, this section of the FCRA mandates that, when a consumer disputes information, the credit bureau must provide the consumer with the following after completing their reinvestigation : A written notice of the results of the reinvestigation. 
The contact information for the furnisher of the information if the information has been verified as accurate, which includes the name, address, and phone number of the furnisher. 
This provision ensures transparency, allowing the consumer to know the exact source of the disputed information, especially when there's a disagreement regarding its accuracy. If the credit bureau fails to disclose this information, it may be violating 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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 am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have recently been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXXXXXX 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 2024-09-26 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: NY

Complaint narrative:
I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have recently been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MO

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: OR

Complaint narrative:
It has come to my attention that these accounts reporting on my file have inaccuracy in them- and for the past months, I've been making an effort of trying to reach out to your company so that it could get reinvestigated, re-checked and verified whether or not these accounts belong to me or are accurately 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 non-monetary relief
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I am a victim of Identity theft. The XXXX XXXX XXXX XXXX account ending in XXXX is a fraudulent account and is to be removed from my credit report and file immediately. The account was disputed and removed from my credit report in XX/XX/year> for fraud. It is against the Fair Credit Reporting Act to re-insert inaccurate information on a report that was not authorized by me the consumer. The XXXX XXXX account ending in XXXX is also a fraudulent account and is to be removed from my credit report and file immediately. The addresseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are also to be DELETED from my report as I have never lived at these addresses and they are NON-MAILABLE ADDRESSES. Please see attached FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief