vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of 4 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681.

Account Name1 : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name XXXX : XXXX Account XXXX XXXX Account Name XXXX : XXXX XXXX Account XXXX XXXXXXXX Account Name XXXX : XXXX XXXX XXXX  Account XXXX XXXXXXXX These 4 accounts have violated my rights.

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information an
y other adverse item of information, other than records of convictions of crimes which and antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( A ) ( 1 ). 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 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 2024-12-01 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. Details of the Disputed Inquiries : Requesting Entities : XXXX Inquiry Dates : XXXX XXXX XXXX Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXX Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXXXXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report. 2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly. 3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud. Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information. Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. Sincerely,

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 2024-12-01 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:
Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. Details of the Disputed Inquiries : Requesting Entities : XXXX Inquiry Dates : XXXX XXXX Requesting Entities XXXX XXXX XXXX XXXXXXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXXXXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXXXXXX XXXX  Inquiry Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report. 2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly. 3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud. Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information. Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. Sincerely,

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 2024-12-01 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: CA

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by [ Credit Reporting Agency ]. This dispute is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 1681i ), which mandates that credit reporting agencies investigate any disputed information promptly and accurately. 

The item in question is listed as follows : 1. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX Under the FCRA, I am entitled to a full and thorough investigation of this matter. If the disputed information can not be verified within 30 days of your receipt of this letter, you are required by law to delete it from my credit report. 

Please conduct your investigation promptly and provide me with a written confirmation of the results. If the account is removed or updated, please send me an updated copy of my credit report. 

If you require any additional information from me to assist with your investigation, please contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your attention to this matter. I look forward to your prompt response within the 30-day timeframe as required by law. 

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 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2024-12-01 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: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
A collection company XXXX XXXX XXXX acting for XXXX XXXX claims a debt is mine and has added an address that I have never lived at as an address on my credit report. As the debt is linked to that address and I have never held any type of residence at that address, and the collection company was the one that had the address added, it stands that the debt is not mine and is somehow being linked to me. I will not initiate discussing with a collection company for which I have absolutely no responsibility. Save for this added to my credit report I have never had any unpaid debts, at best this is an error and or a fraud perpetuated by someone else. I have no documents to upload or include as I have absolutely NO CONNECTION to the 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 non-monetary relief
Consumer complaint received 2024-12-01 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: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
I have requested debt verification none has been given, I also have requested the purchase agreement between the collector and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
file a dispute with transunion about an account and was told that the company did not respond but they updated my account as verified. I want this account removed from my transunion and XXXX  credit reports.report # from transunion XXXX company that did not verify account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying for years to have this incorrect information removed. It is hurting me in my personal life from getting an auto loan because of this wrong infomation

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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reached out to Wells Fargo in XXXX to ask them why I had been denied extension of my own credit on ( at the time ) 5 applications. I explained that I had the capacity to contract and did not understand why I had not been given valuable consideration for the applications ( securities ) I'd created. XXXX, at the executive office spoke to me twice and then sent an email stating the case had been closed. I then sent a Power of Attorney and adverse action letter to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I explained that, according the EQUAL CREDIT OPPORTUNITY ACT, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15USC 1692k, that Wells Fargo is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I made an application in good faith but credit was not issued. I informed him that if Wells Fargo fails to make any reasonable offer to resolve this matter and compensate me for the use of my SSN and the resulting creation of security collateral, I will make Wells Fargo criminally and civilly liable for all actual damages. I gave Wells Fargo XXXX XXXX XXXX XXXX business days to respond and that certified mail was received by Wells Fargo on XXXX XXXX, XXXX. Wells Fargo has failed to do its fiduciary duties and the IRS is my next step in seeking remedy. I now have at least 6 denials and the associated reference numbers to prove these accounts were created. I can have each of these accounts audited forensically by 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 2024-12-01 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: SC

Complaint narrative:
I dont recognize these inquiries and would like for them to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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 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 an auto loan account opened in XX/XX/XXXX for {$23000.00} with XXXX XXXX XXXX, a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$650.00}, a rental apartment was acquired in XXXX of XXXX and a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$690.00} appears to be associated with this rental, another collection account associated to the aforementioned rental property is XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$300.00}. These accounts have resulted in several fraudulent hard inquiries on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not recognize the aforementioned accounts, collections, and 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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