vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I received email notifications from XXXX where credit inquires was blocked. Upon checking XXXX website for details, my credit was unlocked, I locked the report back, then received notifications by email again that the companies ( XXXX XXXX, XXXX XXXX XXXX, Consumer Portfolio Services, XXXX XXXX XXXX was trying to inquiry my report. Reviewing information again the credit file was unlocked and I received 5 hard inquires from various agencies. I filed an FTC report on XX/XX/year> after disputing the information with XXXX, as I have a fraud alert, consumer statement and identity alert on report. The agencies did not contact me in reference of approval for credit inquiry as provided on credit report with XXXX. I was advised today by XXXX dispute representative that agencies are not required or do not follow consumer statements. I have received letters from XXXX XXXX XXXX and XXXX explaining that they couldn't extend credit for inquiry due to credit score or company does not provide services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have contacted SYNCB/JCP To fix problem the account has been close since XXXX XXXX on my XXXX and XXXX XXXX on my XXXX report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 


Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.

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 2024-11-04 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: NV

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 


Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: AR

Complaint narrative:
I looked at my credit report and notice some fraud accounts. I also noticed some old fraud address listed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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 looked at my credit report and notice some fraud accounts. I also noticed some old fraud address listed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: OH

Complaint narrative:
I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries : 1.- XXXX XXXX Inquired XXXX XX/XX/2023. 
2.- XXXX  Inquired on XX/XX/2023. 
3.- XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2023. 
4.- XXXX  Inquired on XX/XX/2023. 

Legal Basis for the Dispute : Under Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and correct any inaccurate or incomplete information in my credit report. Failure to correct inaccurate information after an investigation is a direct violation of the FCRA. Additionally, Section 604 ( 15 U.S.C. 1681b ) specifies that credit inquiries may only be made for permissible purposes. The inquiries listed above were not authorized by me and do not serve any permissible purpose under this law.

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 2024-11-04 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: TX

Complaint narrative:
This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C. 

I demand that XXXX XXXX XXXX XXXX furnish a 1099C and send a copy of the form to me OR remove the account from my credit report along with all other information related to it. 

If do not receive my copy of the 1099C within 15 days I will be filing a 3949A with the IRS, as that is considered tax fraud.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies must uphold their serious responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and XXXX, as consumer reporting agencies, are required to adhere to these standards, while I, as the consumer, have the right to protect my private information. 

Under 15 U.S.C. 6801, Congress establishes that financial institutions have a continuous duty to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. XXXX XXXX XXXX XXXX qualifies as a financial institution under this definition. 

Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) dictates that consumer reporting agencies may only provide consumer reports when they have received the consumer 's explicit written consent. I did not grant such consent to Equifax, XXXX, or XXXX XXXX XXXX XXXX. Any prior consent, whether verbal, implied, or written, is hereby revoked. 

Additionally, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed of their right to opt-out of such disclosures. I was never notified of this right, violating these regulations. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies must maintain reasonable procedures to prevent violations of 1681c and to limit the furnishing of reports to those permissible under 1681b. Equifax and XXXX have failed to uphold these standards. 

Lastly, 12 CFR 1016.7 affirms that a consumer retains the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C. 

I demand that XXXX XXXX XXXX XXXX furnish a 1099C and send a copy of the form to me OR remove the account from my credit report along with all other information related to it. 

If do not receive my copy of the 1099C within 15 days I will be filing a 3949A with the IRS, as that is considered tax fraud.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies must uphold their serious responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, as consumer reporting agencies, are required to adhere to these standards, while I, as the consumer, have the right to protect my private information. 

Under 15 U.S.C. 6801, Congress establishes that financial institutions have a continuous duty to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. XXXX XXXX XXXX XXXX qualifies as a financial institution under this definition. 

Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) dictates that consumer reporting agencies may only provide consumer reports when they have received the consumer 's explicit written consent. I did not grant such consent to XXXX, Experian, or XXXX XXXX XXXX XXXX. Any prior consent, whether verbal, implied, or written, is hereby revoked. 

Additionally, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed of their right to opt-out of such disclosures. I was never notified of this right, violating these regulations. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies must maintain reasonable procedures to prevent violations of 1681c and to limit the furnishing of reports to those permissible under 1681b. XXXX and Experian have failed to uphold these standards. 

Lastly, 12 CFR 1016.7 affirms that a consumer retains the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I do not know this debt/s for the amounts of {$120.00}, {$2600.00}, {$1000.00} from this company. I don't know what type of debt/s these are. 
I sent a validation letter that I have attached but no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent 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 a account without my written instructions

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 2024-11-04 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent 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 a account without my written instructions

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 2024-11-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
XXXX XXXX, XXXX ; XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ACCOUNTS : XXXX. XXXXXXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NJ

Complaint narrative:
There is a list of hard inquiries appearing on my consumer reports that I did NOT authorize and were NOT verified. These hard inquiries are negatively impacting my consumer report and overall credit score. 

These inquiries DO NOT have permissible purpose : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE DELETE THE LIST OF UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT IMMEDIATELY. 

15 USC 1681b Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 

*** I am NOT disputing auto loan inquiries dated XX/XX/XXXX as these are REAL and I DO validate these ; inquiries dated XX/XX/XXXX are directly related to my vehicle which I still drive. 

*** I am NOT disputing any of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as those are directly related to my son 's college education, and those are REAL and I DO validate these. 

PLEASE DELETE THE LIST OF UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied thru XXXX XXXX. I got approved for a Citi XXXX XXXX for {$4500.00} I was trying to do a balance transfer. 
All of a sudden, XXXX XXXX timed out and now I have been dinged on my credit with no information regarding this new card, card number... nothing! 
I tried again and I received an error. 
I had set up a password and username and I can not access the website

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 2024-11-04 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I got scam from a delivery company that will deliver a puppy to me and i didnt know it was a scam until i was done paying the fees. I used zelle and hoping i can get those money back as there was no puppy at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXX XXXX  - {$670.00} XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation