vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am wanting the inquiries to be deleted because I did not authorize these companys to run my credit. Thats fraudulent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attempting to collect on a debt in a location where I do not reside pursuant to 15 USC 1692b 2. Failure to give prior consent for attempting to communicate pursuant to 15 U.S.

Code 1692 3. Failure to provide notice of consent on initial communication pursuant 15 U.S Code 1692 ( k ) 4. The use of language meant to harass such as your account may be credit reported 15 U.S.C Code 1692 ( d ) ( 2 ) 5. All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692 ( k

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Went to get an annual credit report from Eqifax online. Had an Error, Called Equifax on XX/XX/2024 at XXXX XXXX XXXX. Talked to Customer Service rep XXXX. Had to take a picture of my ID and self to identify myself. Everything went through. Asked about getting an online credit report. She said it was a discrepancy with the address on my ID and the letters that I been providing them with a copy of a bill from my current address. I asked her to transfer for me to someone else, XXXX said she couldn't. I asked her why because this is a customer service center. She was not able to give me a valid answer. I tried to resolve with Equifax several times, before filing a complaint Hung up called Equifax at XXXX XXXX XXXX on XX/XX/2024, pressed the appropriate # to submit a dispute since XXXX was not able to Transfer me the XXXX time. When I got to the dispute section on the phone, I was directed to a live person, who name was XXXX. I said that " it was interesting that I was routed to you again, and now you are able to transfer me to a supervisor. '' After that, she escalated my complaint and concern to her supervisor XXXX @ XXXX XXXX XXXX. I explained everything that was going on. She said that they have to send my credit report, to an address that I no longer live at. I told her that I been disputing items on my Credit report for the last few months, with supporting documents at my current address. All my letters also had my current address with current documents. The interesting part was, that XXXX was still able to explain what was getting disputed on my credit report over the phone, from items I disputed throughout the months of XXXX. How are my items still getting disputed every month, but there is an alleged problem with address? Does not make any since. Just got denied now I have to go to a third party and pay for a credit report. This is unfair and unacceptable,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-18 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:
I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXXXXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : Individual XXXX Info : XXXX XXXX XXXX, XXXX, OR XXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
REVIWED MY CONSUMER CREDIT REPORT WITH BOTH EXPERIAN & XXXX XXXX AT THE AMOUNTS OF SOFT PROTIONAL INQUIRIES. THERE ARE OVER XXXX PROMOTIONAL INQUIRIES EACH. AMONG THE PROMOTIONAL OFFERS ARE XXXX HARD INQUIRIES WHICH ARE SET TO BE REMOVED IN XXXX XXXX XXXX. I DID NOT AUTHORIZE THESE ANY PROMOTIONAL OFFERS NOR WAS I EXTENDED A LINE OF CREDIT. ALL INQUIRES TO BE REMOVED IMMEDIALTLEY. THIS IS IMPROPER USE OF MY CONSUMER REPORT AND ALL CONFIDENTAILLY HAS BEEN BREECHED.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have contacted this company letting them know that there is several fraudulent accounts on my credit report. I also let them know that my personal information is incorrect. I spoke the representative XXXX ID # XXXX on XX/XX/year> and she is refusing to transfer me to a supervisor and also telling me that the fraudulent information cant be blocked from my account until the investigation is complete even though I submitted my ID, FTC report, bill and social security card. She is telling me that I did not submit all the information on XX/XX/year> but I have emails and screenshots showing that the documents were submitted successfully. This company is violating my rights, and have been doing so for years. They try to stall out my disputes in hope that I will get discouraged and give up. I asked to speak to a higher tier and she left me on hold for XXXX mins then a guy came on the line and told me they dont block information. She also stated I submitted information by mail on XXXXXXXX XXXX XXXX but could not provide me any details.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have contacted this company letting them know that there is several fraudulent accounts on my credit report. I also let them know that my personal information is incorrect. I spoke the representative XXXX ID # XXXX on XX/XX/year> and she is refusing to transfer me to a supervisor and also telling me that the fraudulent information cant be blocked from my account until the investigation is complete even though I submitted my ID, FTC report, bill and social security card. She is telling me that I did not submit all the information on XX/XX/year> but I have emails and screenshots showing that the documents were submitted successfully. This company is violating my rights, and have been doing so for years. They try to stall out my disputes in hope that I will get discouraged and give up. I asked to speak to a higher tier and she left me on hold for XXXX mins then a guy came on the line and told me they dont block information. She also stated I submitted information by mail on XXXXXXXX XXXX XXXX but could not provide me any details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Management Solutions, LLC
State: FL

Complaint narrative:
The XXXX  requires debt collectors to be licensed in the state they are attempting to operate. The XXXX XXXX XXXX XXXX  XXXX is a state law that addresses business or commercial debt collection practices in the state. This debt collector has been reporting and attempting to collect on a debt they are not licensed for in this state to collect on. I have disputed this item several times. Please provide the XXXX license number to collect this debt and remove this item from my account.

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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was accepted into the Borrowers Defense ( case # XXXX ) as my graduate school which closed suddenly was part of fraudulent practices. Although my loans were forgiven due to public service, I still made over 10 years of student loan payments that are due to be refunded due to the XXXX case. I asked Navient for a school misconduct application for a refund on my one private loan, but was denied as I already paid off the private signature student loan ( under significant hardship to do so ). I believe my payments for this one private loan by XXXX should be refunded as it was taken out to pay for XXXX XXXX school with misconduct action against it due to fraudulent practices. They are forgiving the private loans of those that attended schools with similar claims, but I dont I think should be penalized for paying my loan off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I called American Express to ask if my card benefits include trip cancelation or trip interruption. My card does not have the benefit, so I asked about a card upgrade. The upgraded card does have these benefits. As I read through the upgraded card benefits, I looked for more information about coverage and acceptable reasons for claims. This directed me to XXXX XXXX XXXX XXXX, and XXXX XXXX. Amex said I had to ask my questions to them, so they connected me. The XXXX agent said she could not answer any questions about card benefits for a card that I do not currently have. I ask how I could make the decision to upgrade if I don't know the details of an important benefit. Eventually the agent connected me to a supervisor. They also could not answer any questions about benefits associated with the card I was considering upgrading to. My only option is to upgrade to the new card, pay {$300.00}, and then get my questions answered by XXXX. This is a consumer protection issue as it requires the consumer to spend money and be locked into a card ( with the impacts on my credit report if I cancel the card ) in order to get answers to simple questions about features of that card. Terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: GA

Complaint narrative:
You are now put on notice again to stop all collection activities and reporting. I am revoking that now. 
My demands are as follows : For account # XXXX To provide me with the audit trail which included XXXX. Account File XXXX. Ledger XXXX. All accounting documents XXXX. All transactional history XXXX. True Invoice- Not Statements Please be sure to provide everything demanded in this notice. If you are unable to provide the demanded information you must delete these accounts immediately. If you fail to communicate to the consumer reporting agencies that this debt is in dispute, that would be a violation according to 15usc 1692e ( 8 ) false and misleading representation. The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692 ( k ). Furthermore more failure to honor this requested demand will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account has not been updated to my credit report. 

You have XXXX  days to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-18 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:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-06-18 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief