vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not consent, or benefit from, or authorize any the following account WFBNA card account XXXX the total amount 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 2025-01-03 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: CORELOGIC INC
State: CA

Complaint narrative:
My wife and I applied for a loan. And before the loan application was even finished entering we started receiving SPAM calls. One of the credit reporting agencies sold our data without OUR CONSENT to other loan sharks.

We have been bombarded with calls since then - almost every 3 to 5 mins.

It's absolutely frustrating that we trust the credit reporting agencies to honor and protect our information and they sell it to profit and make money.

These people should be prosecuted by law to the fullest extent for selling information without consent.

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 2025-01-03 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: TX

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened At : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-06 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: AL

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 2025-01-06 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: AL

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 explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep a freeze on all of my credit reports. I was attempting to remove the freeze on my Transunion report for 2 days to apply for a new credit card. When I signed in on their site with my credentials and clicked on remove freeze, I kept getting an error message " Sorry, we're having trouble showing the status of your credit freeze right now '' I called the number provided and was told there was an issue with my specific file and it was not a known issue. They would not give me any further information and left me on hold 3 days in a row.

I can not refinance my mortgage or apply for any credit which is creating an issue!

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 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
Hello, My husband is military and we are filing this complaint in regards to a vehicle he had charged off by Exeter Finance 7 years ago yet was left in our custody. Because we live on a military base the vehicle has to be registered with current tags. We have been attempting to get the company to send the title to DMV, we are not asking to have possession of the title but they refuse. They have yet to send anything other than a copy failing to understand we need the title to be transferred to the state of Tennessee now. I believe this is a UDAAP violation ( unfair, deceptive, or abusive acts or practices ) considering they are using it as leverage to collect a debt out of the court system. If we don't get this figured out we could face eviction because it is against our lease to have an " immobile '' vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CO

Complaint narrative:
TransUnion is continuing to report an account on my credit report that is due to identity theft and fraud. The bank has investigated and confirmed that it is fraudulent and the account doesn't ' belong to me. It should be removed. This is for the XXXX  XXXX XXXX credit account ending in 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 2025-01-03 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:
XX/XX/year>, Experian credit reporting services sent me a letter stating that I did not personally submit information disputing unauthorized credit inquiries. I'm here to tell them that I did personally submit dispute letters, no other entity produced the letters. Attached will be the original dispute letters that I submitted and new letter. I demand the removal of these unauthorized inquires.

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 2025-01-03 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: NY

Complaint narrative:
I noticed some inquiries on my credit report that I did not authorize ; I need them removed as soon as possible. 

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 explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 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:
Equifax Compliance Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up on Security Freeze, Opt-Out Request, and Data Protection Assurance Dear Equifax Compliance Team , This correspondence serves as a formal follow-up regarding my prior request to place a security freeze on my credit profile and opt-out of the release of any personal, financial, or debt-related information. I appreciate your acknowledgment of my earlier communications and am writing to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) are being upheld. 
My Request 1. Security Freeze : I request that a security freeze be implemented on my credit profile to prevent unauthorized access or sharing of my information.

2. Opt-Out of Information Sharing : I do not consent to the release, disclosure, or sharing of any personal or debt-related information to credit bureaus, reporting agencies, or third parties without my explicit permission.

3. Compliance with Federal Regulations : I request written confirmation that your organization is fully compliant with federal regulations and is taking all necessary steps to uphold my rights as a consumer under the FCRA and other applicable laws.

Documentation Provided For your review, I have enclosed the following documents to verify my identity : A copy of my driver license A recent utility bill for address verification Declaration I declare, under penalty of law, that the information provided in this correspondence and all attached documentation is true and accurate to the best of my knowledge.

Next Steps I kindly request written confirmation of the following : That the requested security freeze has been placed on my credit profile.

That my opt-out request has been processed and my information is no longer being disclosed.

That your organization is fully compliant with all applicable federal laws and CFPB guidelines regarding the handling of consumer data.

Additionally, I require assurance that Equifax has taken sufficient measures to ensure the protection of my data. This includes confirming that incidents like the XXXX  data breach, which exposed sensitive personal information of millions of consumers, will not recur. 

Response Timeline Please provide confirmation of these actions within 30 days of receipt of this correspondence. Should you require additional information or clarification, do not hesitate to contact me directly at XXXX or via email at XXXX. 
Thank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding GM XXXX Credit Card Payment Rejection Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unfair practices by GM XXXX Credit Card related to my recent attempts to make payments on my account. I believe their actions constitute foul play and were designed to unfairly impose additional charges on me.

Here are the details of the issue : XXXX. On XX/XX/XXXX, I submitted a physical check for {$2800.00} to GM XXXX Credit Card. This check was accepted and processed without issue. 
XXXX. On XX/XX/XXXX, I submitted another physical check for {$16000.00} to pay down my balance before an interest accrual deadline. This check was rejected without justification. 
XXXX. I believe this rejection was intentionally done to prevent me from avoiding interest charges on the {$16000.00} balance, as my interest-free period is nearing its expiration.

The rejection of my payment is highly concerning and appears to be an unfair and predatory practice aimed at maximizing profits through interest charges, despite my good faith effort to pay my balance in full. This inconsistent acceptance of physical checks, especially for a larger payment, lacks transparency and undermines fair business practices. 
I request the following resolution : XXXX. That a credit of {$16000.00} be immediately applied to my GM XXXX Credit Card account as of the date I originally submitted the check. 
XXXX. That any associated interest or fees related to this incident be waived. 
XXXX. That GM XXXX Credit Card provides a clear and written explanation for their inconsistent acceptance of physical checks. 
Kindly note I can provide confirmation receipt for the {$2800.00}. 
I trust that the CFPB will thoroughly investigate this matter and hold GM XXXX Credit Card accountable for any violations of consumer protection laws. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. 
Concerned Veteran XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX

Complaint narrative:
balance on the account is incorrect I have tried to even communicate that the address the company is reporting is also incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Submitted an application to PNC Bank for a Home Equity Line of Credit around XX/XX/year>. Included with the application were : income verifications, including tax documents, as well as mortgage statement and statement on condo fees, and other information on the application form regarding debt ( car payment, etc ). After many days of waiting and upon follow up on the application, PNC loan officer sent an email that my debt to income ratio was over our maximum amount of 55.000 %.

I responded with an email that I could have requested a smaller loan, but upon further review of the documents that I submitted and after looking, again, at the PNC email, I computed my own debt to income ratio ( having done data analysis and housing work for many many years ) and what I saw was that my debt to income ratio was actually considerably less than that stated as the maximum amount by PNC. My debt to income ratio is 41 % and this 41 % that I computed did not take into account some income that was on my tax form, as it was not readily available as a monthly measure, as the debt to income ratio is a monthly measure. So PNC had miscalculated that for my application. I do not know if the miscalculation was an honest mistake, or a means to exclude persons like me from getting the Home Equity Line of Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Today, XX/XX/XXXX, I have contacted the law office of Lloyd and McDaniel concerning a paid off balance. They advised that my account is closed and I will have to resort to XXXX XXXX to receive updated paperwork advising my account has been paid to zero. I asked XXXX, at Lloyd and Mcdaniels law office is there a way to provide this document since they mailed a document on XX/XX/XXXX that didnt state the account is zeroed out after the account was closed. XXXX giggled after this question was asked as if it was humorous. Im unsure of her profession at this law firm but she was neither helpful or bothered by my reasoning of needing the updated paperwork.

Company response to consumer: Closed with explanation