vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate 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 explanation
Consumer complaint received 2023-12-28 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: RI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative item ( XXXX  XXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove the disputed item from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2023-12-28 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: GA

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have automatic payments set-up with this company ESCI Heartland XXXX and every year or so they try and say I don't make a payment, and they overcharge me with and additional payment and send me threatening letters about reporting me to the credit bureau XXXX I've had this same dispute resolved before. When I call, they say that they can not help me with this sort of issue and that they only deal with website related issues. They said that they don't have any history of my payments and can not help me. They refer me to contact XXXX XXXX ( the school ). They clearly have something wrong with their system and they are using it to charge late fees for non-payments that they take from your account, and then return it. This is a predatory practice, and it needs to stop. The last payment that was taking out from them was {$90.00} on XX/XX/2023, and then it was returned. Now they are saying I owe them when they take the payments, and then reverse the charge. Again, this is why I'm set-up for automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Business Financing Corporation
State: NH

Complaint narrative:
A debt collection Agency, XXXX XXXX XXXX, or company claiming to be this, emailed and called my employer for the purposes of demanding they forfeit my personal paycheck to them to pay off a, " personally guaranteed '' XXXX loan between their client and my business. Copies of the agreement between me and the original lender as well as copies of my personal bank statements were provided to my employer, even after he explained that he is my personal employer and has nothing to do with my business, or this loan. Documents were provided that had sensitive information to my employer, without his request, and after he explained to them that he was in fact my employer, not a business account. This company also provided information to my business accounts in the same manor. I have requested that this collections agent stop this behavior on three occasions. They continued. I reached an agreement with their client to pay down this collections debt and XXXX XXXXXXXX XXXX  refused to follow the agreement I made with their client XXXX Merchant Solutions. They have done everything they can to harass me and my business by threatening my employer, embarrassing me to my job and personal business accounts, and taking higher payments directly from my bank account than were ever agreed to. They have also tact on more in fees than my loan even has left making it impossible to satisfy the debt with the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CO

Complaint narrative:
I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. Againz it is same thing with Equifax that keeps ruining my credit record. It is full of racists.

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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 requesting that it will be removed from my credit report as soon as possible.

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 2023-12-30 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: AR

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit Bureaus. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XX/XX/XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : XXXX XXXX Opened XX/XX/XXXXBalance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$16000.00} XX/XX/XXXXOpened XX/XX/XXXX Balance : XX/XX/XXXXEQUIFAX MORTGAGE XX/XX/XXXXOpened XX/XX/XXXX Balance :XX/XX/XXXX OpenedXX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : XX/XX/XXXX OpenedXX/XX/XXXX Balance : {$16000.00} XX/XX/XXXX Opened XX/XX/XXXX Balance : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: KY

Complaint narrative:
On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA. 

To date, XXXX has NEVER validated the debt nor have they provided the requested information. 

The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. 

This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: LA

Complaint narrative:
I received a letter in the mail back in XX/XX/XXXX in regard to the XXXX XXXX security data breach. Not long after receiving the letter, I noticed a debt collector, Wakefield Associates, listed on my credit report. This agency turned me into collections and claimed that I owed them {$690.00}. An initial letter was never sent to me. On XX/XX/XXXX, I sent them a dispute letter asking them to provide me with proof that I am indeed the responsible party for this debt. Nevertheless, they were not able to provide me with any proof, and as of now, this agency has not responded back to my letter. After rechecking my credit reports, the collections account is now deleted. I am unable to find it anywhere on my reports. This company still took it upon themselves to report my info to the 3 credit bureaus for a debt that I was never responsible for. Even though the account is now deleted, my credit is ruined. My local police department claims they are unable to do anything about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
applied for credit at XXXX XXXX and they ran my credit through the data base multiple times without my consent.

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 2023-12-28 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: Westlake Services, LLC
State: GA

Complaint narrative:
applied for credit at XXXX XXXX and they ran my credit through the data base multiple times without my consent.

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 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-28 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: CORELOGIC INC
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld a debt collector called me yesterday ( XXXX XXXX XXXX  ) to notify me that a past utility bill from XXXX XXXX XXXX  for over {$1000.00}. 

I called them today ( XXXX XXXX XXXX ) and asked to receive written proof of the debt and confirmation that I have 30 days to respond regarding the debt. 

They said that they sent written notices to me in XXXX which I never received. I requested that I still have 30 days to respond and they said we sent you notice in XXXX. 

The conversation went around in circles.

Company response to consumer: Closed with explanation