vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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:
Dear XXXX, XXXX am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent.

2. Remove all unauthorized inquiries from my credit report immediately.

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General.

Pursuing legal action for damages resulting from these unauthorized inquiries.

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity.

Attached to this email, you will find : A copy of my government-issued ID.

Proof of address. 
A copy of my credit report with the disputed inquiries highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: AR

Complaint narrative:
I HAVE CHALLEGED INACCURATE ITEMS MULTIPLE TIMES AND MULTIPLE TIMES SOLUTION HASNT BEEN RESOLVED PLEASE DELETE THE FROM CREDIT REPORT DUE TO INACCURATE INFORMATION. IF INFORMATION IS COMING FROM CREDIT FUNISHER IT IS NOT CORRECT ACROSS THE BUREAUS. PLEASE DELETE!

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I HAVE CHALLEGED INACCURATE ITEMS MULTIPLE TIMES AND MULTIPLE TIMES SOLUTION HASNT BEEN RESOLVED PLEASE DELETE THE FROM CREDIT REPORT DUE TO INACCURATE INFORMATION. IF INFORMATION IS COMING FROM CREDIT FUNISHER IT IS NOT CORRECT ACROSS THE BUREAUS. PLEASE DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year>, I applied for an apartment and made a deposit from my Ally Savings Account. The deposit went through successfully, but on XX/XX/year>, I was informed by apartment staff that the deposit had been charged back by the bank as my account had been frozen by Ally, which was supported by the ledger provided. However, when I reached out to Ally to ask why my account had been frozen, they had no explanation and did not offer any recompensation.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX : XXXX Reporting an old debt as new. 
I have disputed this old debt and it is still being reported as new debt, not from the original date more than XXXX years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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 writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I have the right to take these actions to protect my credit and personal information. Please find the details of the accounts I request to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an Amex gold card, and because my company is new I have a hard time paying the amount, I have paid all my credit cards so far, and on XXXX XX/XX/year> they charged me {$61.00} interest charge on promotional Balances, and other problems I have with Amex if you have other cards from Amex if you don't pay one card they have frozen the others cards until you pay, I don't know if it's legal but I know Not fair to us consumers. Being owner the of a XXXX XXXX is a challenge because we don't have help at all. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: LEXISNEXIS
State: NV

Complaint narrative:
Lexuis nexius has violated my rights furnishing information i never gave them consent to publish public records 15 U.S. code 1682 ( a ) Any transaction between you and the creditors are required to be excluded from your credit report.

15 U.S. Code 1681 ( s ) -2 subsection 1f This law states any payment during covid 19 are required to be deferred or forgiven.

15 U.S. code 1681 ( 4 ) This law states you have a right to privacy.

If you consider your late payment to be private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : SUNRISE CREDIT SERVICES XXXX Date fraud began XXXX XXXX Date that I discovered it:XXXX Total fraudulent amount : {$180.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

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 2024-11-23 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: WI

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX. TransUnion refuses to update this information on my account and continues to show the old loan and old amount owed with no payments shown and an inaccurate amount owed.

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 2024-11-23 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: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-23 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: NJ

Complaint narrative:
I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below.

Fraudulent Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-23 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: GA

Complaint narrative:
Dear XXXXTransUnionXXXX, I am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent. 
2. Remove all unauthorized inquiries from my credit report immediately. 

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General. 
Pursuing legal action for damages resulting from these unauthorized inquiries. 

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity. 

Attached to this email, you will find : A copy of my government-issued ID. 
Proof of address. 
A copy of my credit report with the disputed inquiries highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
Dear XXXX/TransUnion/Experian, I am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent.

2. Remove all unauthorized inquiries from my credit report immediately.

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General.

Pursuing legal action for damages resulting from these unauthorized inquiries.

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity.

Attached to this email, you will find : A copy of my government-issued ID.

Proof of address.

A copy of my credit report with the disputed inquiries highlighted.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
After recently applying for a home mortgage, I have discovered that certain accounts and inquiries on my credit report are significantly hindering my ability to secure the mortgage. Despite my best efforts to resolve these issues directly with the reporting agencies, I feel that my rights as a consumer have been infringed upon. 

I understand that Equifax, XXXX, and XXXX are the primary credit reporting agencies responsible for compiling and reporting my credit history. However, I am disputing the accuracy and legitimacy of the accounts and inquiries listed on my credit report, which I believe are either erroneous or the result of fraudulent activity.

Given the urgency of my home mortgage application, I request that these accounts and inquiries be removed from my credit report within 4 business days. The continued presence of these items on my credit report is directly impacting my ability to secure the mortgage and constitutes a violation of my right to fair credit reporting.

I kindly request that the FTC investigate this matter and take appropriate action to ensure my consumer rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I lost my debit card and noticed fraud charges from XXXX XXXX and reported immediately to my bank chase. I have XXXX XXXX account but was not using it. Someone used my debit card to create a XXXX XXXX account with a different name. Chase said because I had a different XXXX XXXX it wasnt fraud and that i had previously disputed charges with XXXX  before but I never disputed any XXXX XXXX charges before. My XXXX XXXX was under name and not in use at the time so they advised to close it which I did and to lock my chase account and wait for a new card but did not refund me for the fraud charges under a different account. I didnt create the other account nor authorize anytime to use it. I have {$500.00} in charges for XXXX XXXX charges and {$100.00} in overdraft fees. Chase refuses to acknowledge other account was fraudulent nor refund the money or overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
This complaint is in relation to complaint reference number : XXXX XX/XX/XXXX. I received a letter from Equifax stating they do not have any credit information on file with the identification number provided. I forwarded several documents to them, IRS INCOME TAXES, PAY STUBS, UTLITY BILLS. With my social on it. However, I never provided them any sensitive information before. Why must I provide this sensitive information to them. Now we all know the W-2 do not have complete social security information listed on it, only the last 4 digits. However, my check paystub has the full social security number as well as the IRS Income taxes from XXXX has my full social security number on it. I will attach the information I forwarded to them as well as the packaged sent by XXXX. 

This is retaliation in relation to complaint filed on the company for being bias towards an XXXX American citizen born in this country. 

My credit was initially low credit report and never adjusted it after student loans and vehicle loan was paid off. They actually lowered it. After the complaint to your organization, they increased it. Now they lowered it again and falsifying information they never had any of my credit information on file. So more than likely, now XXXX and XXXX will eventually do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: SC

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed. 
According to the FCRA these unverified and unauthorized items must be 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The loan has already been paid off have notified Navy Federal, credit Union, and all The credit bureau I have email all the documents mailed all the documents to them. They confirmed it and I have heard nothing back from them and Navy Federal is still trying to get paid again for the car that has been paid off. This is not good business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: CL Holdings LLC
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nor treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank DE opened a credit card using my personal information, I did not apply for this card and have been in contact with them on numerous occasions, In XXXX I called and while on the phone with them the account balance went from {$3000.00} to {$15000.00}, I put in a complaint with XXXX and Barclays Bank said the account belonged to me. 

I can see that there was a payment in XXXX, I assume they would be able to follow that payment to see who opened this account. ( Card ending 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 2024-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Debt fully paid XX/XX/year> Debt sent to another debt collector Halsted Reached out to confirm debt did not exist, fully paid and would not negatively impact my credit report Asked for written/email confirmation and was told could not provide Halsted had been sending me texts/emails about debt ( can provide screenshots ) XXXX, we see XXXXou checked out our offers for your XXXX ( XXXX XXXX ) account. 

Remember to finish setting up your payment plan at XXXX.halstedfinancialXXXX 

This text is from Halsted Financial, a debt collector Texts provide Halsted info : California License Number : XXXX.

Company response to consumer: Closed with explanation