vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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: GA

Complaint narrative:
Im submitting a complaint because I have several credit inquiries from all XXXX credit reporting agencies that's affecting my ability to obtain and use my credit to its maximum potential. 
XXXX reporting agency is reporting XXXX unauthorized inquiries that's not connected with any open account that's reported on my credit profile. 
Here are the dates and accounts that are reporting unauthorized on my credit profile XXXX XXXX  on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX  XXXX XXXX on XX/XX/2023 XXXX XXXX  on XX/XX/2023 XXXX reporting agency is reporting XXXX unauthorized inquiries thats not connected with any open account that's being reported on my credit profile. 
XXXX XXXX XXXX on XX/XX/2023 XXXX BANK on XX/XX/2023 Experian credit reporting agency is reporting XXXX unauthorized inquiries that's not connected with any open account that's reporting on my credit profile. 
XXXX BANK XXXX XX/XX/2023 XXXX Experian XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX CARD on XX/XX/2023 All of these listed inquires are unauthorized and shouldn't be listed on my credit profile.

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 2023-12-25 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: USCB Corporation
State: GA

Complaint narrative:
These are the charges that i see and theses are unauthorize. i want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On the website capitalone.com you may see be automatically considered for a higher credit line in as little as 6 months without additional deposit. The product is Quicksilver Secured Rewards Credit Card. After 6 months with a good standing account there was no increment or notice that account was reviewed. On the first account statement date is XX/XX/2023. And on XX/XX/2023 using button in the account menu I requested to increase credit line. Response you may see on the picture. Second request was XX/XX/2023. For me not clear the reason I was turned down with a request and what was the result after 6 months? I think that supposed to be some kind of a report or a notice of automatically consideration, but representative by the phone said that theres nothing about it. Both written responses saying that it couldnt be done to this type of account. The only answer by the phone I received that I have to wait a year. Not clear what I have to wait for and why so, because after a year response could the same and wait another year. Written response confronted product information on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again and and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again there have been no updates and account is still reflecting on the report. I do not bellove the account belongs to me nor do I bolieve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all XXXX is correct

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a XXXX customer with an active account that is in good standing. A few months ago, I started receiving letters in the mail stating that I had a bill of {$1000.00}. I immediately logged into my XXXX account and saw that it had nothing to do with me, so I assumed it was a scam and ignored it. However, after receiving the same bill XXXX times, I called XXXX to ask them what it was about. They told me that they didn't know and that my normal account was fine. I asked them to remove it from my name, and they said they would. 

However, I continued to receive the same letter repeatedly, so I called XXXX again to ask what was happening. The person on the other end of the line informed me that the account had come back as accurate. When I asked why they hadn't contacted me, the person didn't know what to say. They then called the XXXX department, who advised them that it was a mistake made by a XXXX representative in store and that customer service needed to cancel the account. They assured me that it would be taken care of. 

However, by this time, the account had been linked to my XXXX and reported on my credit report as a missed payment. I asked the person on the phone to ensure that it was removed from my credit report, and they assured me that it would be done within XXXX business days. This was before XX/XX/2023. After a few days, I checked my credit report again and saw that it had been sent to a collection agency. After spending more hours on the phone with XXXX, I realized that the previous agent had closed the account but had not removed the balance, leaving me in a more serious problem, which was a collection. They advised me to file a dispute, but it did not help. 

Now, I am fed up with XXXX. I have not been able to obtain more credit because of this issue, and nobody at XXXX is taking it seriously. I don't understand why, if a XXXX representative made a mistake, it should be my responsibility. I am extremely upset and want to sue them for this. Additionally, they should erase this delinquency from all three credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: MA

Complaint narrative:
inproper use of my credit dont recognize accounts voilation 15 USC 1681 B pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or 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 non-monetary relief
Consumer complaint received 2023-12-25 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: MA

Complaint narrative:
inproper use of my credit dont recognize accounts voilation XXXX XXXX XXXX XXXX pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: MI

Complaint narrative:
XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX and XXXX XXXX Account Number XXXX ... have their credit history reporting on the 3 major credit agencies. Per 15 U.S.C. 1681a ( 2 ) ( 1 ) it is illegal to report transaction history on the credit report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I also have a charge-off reporting on my credit from XXXX XXXX XXXX as the original creditor who sold the debt to XXXX XXXX XXXX Charge offs are income ( Certificate of Indebtness ) to the consumer and can not be reported on a credit report. Thank you all for resolving these matters for me.

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 2023-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern I spoke with fraud department from Sams Club over and over again. They never fixed the problem so I had no choice then to close the account because charges was being made that it wasnt me. I came to realize it after a year that I was noticing that all my credit cards was being paid off except Sam. Got upset because nothing was done.

I made a police report and gave them the case number as well. Sams every month reports to the credit viewer and managed to keep my scores low Verizon does the same thing I dont know what the heck is going on case # XXXX. 
Thank you have a great day. I hope someone can do something. Thank you. Phone and Sams credit card has been compromised and Ive reported it. Thank you

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 2023-12-25 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: MI

Complaint narrative:
I have a XXXX  card on my account that Im not aware of account number is # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NV

Complaint narrative:
The account XXXX XXXX XXXX XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.

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 2023-12-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Veros Credit, LLC
State: CA

Complaint narrative:
XXXX of 2023, my younger brother XXXX XXXX XXXX ( XXXX ) leased out a car with XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, CA XXXX United States ) XXXX, my twin brother XXXX XXXX XXXX XXXX XXXX ) cosigned for XXXX 's XXXX. XXXX used his information and on the paper work of XXXX XXXX XXXX the information written is accurate, but when Veros Credit XXXX financing company ) input the information on their end somehow my social security number was used instead. I was not present nor did I sign/know that XXXX was getting a vehicle. I wasn't notified about this purchase until XX/XX/2023 when I checked my credit report. I have tried contacting Veros Credit to resolve this situation but they just tell me I have no access because my name is not linked to any information. This has caused my credit to drop drastically and caused a lot of damages include getting out a car loan, apartment loan, school loan, and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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:
I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed Inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. A copy of all company names have been send on a attachment.

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 2023-12-25 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: CA

Complaint narrative:
I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed Inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. A copy of all company names have been send on a attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NV

Complaint narrative:
The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, 2023. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX, TX XXXX for XXXX {$370.00} delinquent as XXXX XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by Credence Resource XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
HomePoint Financials sold my mortgage to MrCooperXXXX in XXXX and I have no access to view my account information on-line. They do not answer their phone and will not email me back. I am completely logout of my mortgage account. I don't even know my new mortgage account number either. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NV

Complaint narrative:
The account XXXX XXXX XXXX XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.

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