vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized I'm hiring information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of identity theft these accounts being reported on my credit report cost for action of deletion because these accounts show many and accuracies or fraudulent charges not made by me across all bureaus show that these accounts this is in clear violation of my fair credit reporting act FCRA I asked that the council listed below be removed because it's in clear violation of the fair credit reporting action section 15 US code 1681 I procedure in case of dispute and accuracy. I asked that the accounts and inquiries be investigated roughly, and as a result removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized I'm hiring information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of identity theft these accounts being reported on my credit report cost for action of deletion because these accounts show many and accuracies or fraudulent charges not made by me across all bureaus show that these accounts this is in clear violation of my fair credit reporting act FCRA I asked that the council listed below be removed because it's in clear violation of the fair credit reporting action section 15 US code 1681 I procedure in case of dispute and accuracy. I asked that the accounts and inquiries be investigated roughly, and as a result removed from 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 explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Transunion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear TRANSUNION, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within 4 business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft Report : Filed with the Federal Trade Commission ( FTC ). 
Proof of Identity : Copy of my government-issued ID and Social Security card .

Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within 4 business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

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 non-monetary relief
Consumer complaint received 2025-01-13 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: CORELOGIC INC
State: GA

Complaint narrative:
XX/XX/year>, CREDCO conducted a credit pull that I did not authorize, as it was intended to be a soft inquiry. I kindly request the immediate removal of both inquiries from my credit report. Thank you for your attention to this urgent matter, and I look forward to your prompt response. 

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked Experian to investigate on the debt I am being charge for and to please remove it. They told me it was me and it was verified but they never sent me the proof that I was looking for.

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 2025-01-13 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-01-13 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-01-13 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:
Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is stated : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

As Equifax and XXXX are consumer reporting agencies, and I am the consumer, I have the right to ensure my private information is not shared without my consent. This is supported by 15 USC 6801, which establishes that : XXXX has determined that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personal information.

A furnisher of information to credit agencies qualifies as a financial institution under this definition. Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ), specifies : A consumer reporting agency may furnish a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. 

Neither Equifax, XXXX, nor the furnisher of information to credit agencies has my consent to furnish or share my information. I have never provided written consent, and any prior consentwhether verbal, implied, or otherwiseis hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) makes it clear : A financial institution may not disclose nonpublic personal information to a nonaffiliated third
party unless the consumer is given an explanation of how they can exercise their nondisclosure option.

The furnisher of information to credit agencies failed to notify me of my right to opt out of such disclosures. Beyond this, 15 USC 1681c ( a ) ( 5 ) prohibits : Any consumer reporting agency from including adverse information in a consumer report that predates the report by more than seven years, except for criminal convictions.

The account being reported is an adverse item that violates this statute, as it is being furnished without my authorization. 15 USC 1681s-2 ( A ) ( 1 ) ( A ) further reinforces : A person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Moreover, 15 USC 1681e requires : Every consumer reporting agency to maintain reasonable procedures designed to avoid violatio
ns of Section 1681c and limit the furnishing of consumer reports to permissible purposes. 

It is evident that Equifax and XXXX are failing to uphold these obligations. Lastly, under 12 CFR 1016.7 : A consumer may exercise the right to opt out at any time. 

I am now exercising my right to opt out of your reporting services, effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4business days after the day of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is our mortgage company and we had a credit card with them. We paid on time and never went over the limit. We used the card as our primary card for over a year with a credit limit of {$XXXX}. In XXXX, I paid the card off in full, {$XXXX}. Wells Fargo reduced our credit limit WITHOUT CAUSE to {$XXXX}. This severely impacted our credit scores and our ability to pay our bills. Since Wells Fargo reduced the limit so severely, we went over on the card, because our bills were automatically set to pay monthly with that card. We then had to transfer all bills to another credit card and pay for late payments and fees associated with bouncing charges. We were not warned before the credit limit was changed and the reason for the charge was that we were " close to the limit '' on the card, but this card was routinely paid as we spent and then PAID IN FULL in XXXX. There should be no reason Wells Fargo was able to reduce our credit limit without warning. Also, our current balance is + {$XXXX}, because I had auto-pay setup to pay the credit card bill, so they owe us money too. 

I spoke with several people over the phone and went to a branch in-person, everyone told me there was nothing they could do. 

This change has severely impacted our finances. Thank you for your time. 
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 2025-01-13 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:
I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no cons
umer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MI

Complaint narrative:
As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than XXXX business days from the receipt of this notification. 
XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This request is vital for addressing consumer concerns related to personal financial information, account discrepancies, or inquiries about financial products and services. By collecting and verifying this information, we can provide accurate solutions, resolve issues effectively, and safeguard consumers against fraud or identity theft.

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 2025-01-13 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-13 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
Accounts started appearing on my credit that did not belong to me. I have been trying to remove the debts, but the agencies are not trying to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
Accounts started appearing on my credit that did not belong to me. I have been trying to remove the debts, but the agencies are not trying to assist.

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 2025-01-13 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello Citibank has charged my account for {$120.00} on XXXX XXXX, they lied to me when they first had said it was a permanent credit when charge backed, Citibank not only lies to theyre customer but has a very unresponsive executive team that had no clue what they are doing even though they are the supposed investigators of my case. XXXX finding charged my account for {$120.00} when the services were not provided, XXXX knew they were at fault and admitted to it they still did not help me and took my money this is where I thought Citibank would help but they did nothing they use my money as a daily as a customer and does nothing when things go wrong Citibank is fraudulent!

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