vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 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 was reviewing my credit report and noticed inquiries that are not mine. 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 2024-08-19 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: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last XXXX SS XXXX Attention XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: KS

Complaint narrative:
The apartment complex was deemed unfit living conditions at the time of occupancy by the housing authority. I gave the apartment complex manager a 14-30 notice that the legally had 14 days to fix the living conditions and they did not so I also handed in a notice of vacancy and discussed with the manager that the original deposit would cover the rent and the next month. I was never served any eviction notice in that time and have the documentation stating I was also agreed upon vacating the premises due to unfit living conditions as well as documentation of the living conditions not being fixed within the 14 days once given notice.This was sold to a third party company who has never provided the original contract when asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Account isn't mines. I never dealt with this company. Also can you show me my signature or a letter of validation for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I found some fraudulent accounts on my credit report that are affecting my credit.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I sent XXXX/COMENITY/XXXX a debt validation letter requesting validation of debt with account number ending in XXXX and have received any validation of debt. XXXX/COMENITY/XXXX are in violation of codes : 15 USC 1692g ( b ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692f ( 1 ) 15 USC 1692e ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: DISCOVER BANK
State: TX

Complaint narrative:
Several insurance, financial services companies, an XXXX management company, and an electricity company have pulled my credit without authorization. I have not applied to these companies for electricity services, insurance or credit cards. Isn't this against the law in protecting my personal information? 

Date Company Request Originator Description XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XXXX XXXX, XXXX DISCOVER FINANCIAL Promotional Inquiry XXXX XXXX, XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquir XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-19 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:
as a survivor of XXXX XXXX i was forced to open and use lines of credit from 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-19 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion. Please delete the following accounts : 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I paid my loan in full and requested data showing that the loan was in fact paid in full. I received the data showing the loan as paid in full, however, the credit reporting data was not updated to reflect that. I contacted MOHELA and spoke with Supervisor # XXXX who stated that they were reporting paid in full status yet my credit report does not reflect what they claim they are reporting. I have been working with XXXX to try and resolve this issue with no success. XXXX states they report what is reported to them, as a consumer between an organization like MOHELA who states they are transitioning loans and have delays and other problems and XXXX who states they can only post what they receive. I am left with an account on my credit report that shows a balance due while I have data that shows the account as paid in full and the two agencies can not seem to correct my credit report. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
My Husband XXXX XXXX got a call from Check and Go in XXXX XXXX Wisconsin XXXX XXXX XXXX  from XXXX about a loan we took out in XXXX. We never took out a loan for a cash advance loan. My husband filed bankruptcy in XXXX on Check in Go in XXXX, Wi with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX. We have sent several letters to Check and Go about this debt being closed out in a bankruptcy. We have requested paperwork from the XXXX so called loan debt we may owe, of which we do not owe. I'm requesting a investigation into Check and Go XXXX XXXX XXXX XXXX, WI XXXX XXXX. We need all data from from Check in Go attorney Telephone number XXXX XXXX. We believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please refer to complaint against Capital one on this platform # XXXX. 

I have supporting documents attached. This company has improperly used my credits and also my credit report. The supporting documents have already been sent for processing to the IRS. Capital One illegally closed my account. I am the financial fiduciary over the account and my estate. Please the attachments. If the balance is not corrected and account reopened I am going to the CID and Inspector General of the IRS and the FBI for fraud, identity theft, and a possible Rico case. I want Capital one to produce an XXXX OID for this case and also produce the XXXX and XXXX where I have made them fiduciary and financial trustee over this account. If they can not and do not correct the ledger on the public and private side and send me proof in 7 days. I am going to notify the authorities listed above. 


I declare and decree in XXXX name this is so, amen!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing because I have an auto car loan with Capital One auto Finance. I have paid this car since XXXX. During the pandemeic they agreed to put all the past due payments to the end of the loan not interest was removed. The car was just reposossed. I need my vehicle back. I want to pay it but I am going through financial hardship. They just came and took the vehicle. They say I owe the car 105 days. They vehicle is paid ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This account is incorrectly being reported as charge off account with a balance. Please provide proof of charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account is also being reported monthly as a chargeoff and should not be being reported monthly since account is charged off and closed. The balance update should not be reflecting XX/XX/2024. Also upon the chargeoff a XXXX C form was never sent to me showing the amount canceled and date of cancellation. 

WORLD FINANCE XXXX Account number : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last 4 SS XXXX Attention : Santander Consumer USA XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation