vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: NV

Complaint narrative:
I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXE XX/XX/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 XX/XX/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 2023-12-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: OneMain Finance Corporation
State: OH

Complaint narrative:
Onemain Financial has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.

Complaint narrative:
Equifax is reporting a credit score of XXXX for a clear reasons. My score with XXXX XXXX is more than XXXX points higher and with XXXX more than XXXX points higher. This is per se evidence of arbitrary and capricious rating that is unduly deleterious to my quality of life. The discrepancy without good reason points to discriminatory and predatory business practices on the part of equifax. No doubt, equifax, in its position of inordinate power will have ostensible reasons for the very low score. I do not have a perfect credit history. But I have rebuilt my credit over the past decade and deserve to enjoy the fruits of that hard work and good credit wielding practices. The major discrepancy in my scores speak for themselves. Further, the system itself is broken and discriminatory against people who have struggled with poverty and unemployment in the past. The system is corrupt and unamerican. I demand equifax adjust my report to reflect my recent excellent credit worthiness. Further I demand reform possibly only by further regulation and more aggressive enforcement on the part of my government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: IL

Complaint narrative:
This company is a bad company to do business with.They always have a lot of complaints from consumers.They have a bad record of messing up your credit even though it their fault.They blame everything on you.They always have new management because they do not conduct their business well.They have a lot of turnover for new and different management.I had issues and complained a lot to them about money I did not owe them.and I had my receipts that I paid my bills but they would not even take time and didn't care about my receipts and charged me for bills I didn't owe them.They have a lot of complaints from tenants living there and people are constantly moving out all the time.They also have a lot of bad reviews from tenants and couldn't wait to move out because they are very unorganized and very unprofessional.

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 2023-12-04 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: TN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly eliminate this incorrect account from my credit report. I never provided permission for its creation or utilization. Enclosed are the documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: TN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
in XX/XX/XXXX ' i got a limitation put on my account and had to submit information about myselft and took XXXX  months for them to process it and give me access to my account and then again i get another limitation in XXXX this time claiming they could not process any payments thru my bank when i had to add a new account to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my XXXX and Equifax credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my XXXX and Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: NV

Complaint narrative:
I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXXXXXX 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 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 2023-12-04 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: NV

Complaint narrative:
I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXXXXXX 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 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am writing to bring to your attention an old late payment issue that occurred on my account, and I would like to clarify that it was not intentional on my part. 

The payment in question was scheduled as an automatic payment, and I rely on this method to ensure timely payments. Unfortunately, there appears to have been a glitch or issue with the automatic payment system, leading to the late payment. 

I appreciate your understanding and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I scanned a deposit check from school but my bank says it does not look legit and they want to take away all my account just because of that when they could simply remove the checks that are on hold and this is not the first time this has happened they like annoying people with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: MN

Complaint narrative:
The following credit cards and credit card accounts currently listed and showing on my Experian and XXXXXXXX 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 explanation
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX After reviewing the information on my credit report, it came to my attention that an unauthorized account have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institution and desire the placing of fraud alerts on my account to prevent further unauthorized activities. As I reported the problem Experian to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Experian. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Experian initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
Continual calling and not leaving voicemail. Called my wife and said I owed money for an XXXX trip back in XXXX Require proof from Phoneix Financial this is legitimate such as original invoice from XXXX  provider, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: AZ

Complaint narrative:
There is information on my consumer reports from Experian, XXXX and XXXX that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : Experian ======= 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 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 

Incorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : 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 2023-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-04 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: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My payment history for these accounts is marked by consistent on-time payments. Requesting an update to accurately depict this pattern.

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 2023-12-04 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: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
When I first closed on the home I had two quote from different homeowners insurance providers. I have an email and closing disclosure to show that I had wanted my homeowners insurance provider to be XXXX not XXXX. I closed in the home XX/XX/2022. XXXX sent a payment request in XXXX and my mortgage company made the payment without informing me. When my renewal came up at the end of XXXX. My homeowners insurance informed me that they did not receive payment. When I called my irrigate company they mentioned they had made a payment to XXXX for the renewal. 

I called XXXX to provide documentation that I had XXXX as my service provide from XX/XX/2022 and now they are informing me that they will not refund the full amount, and will only backdate 6 months from the renewal date in XXXX. 

My mortgage went up by almost {$1000.00} because of the mortgage escrow mistake and Im struggling now to make my payment. 

My mortgage company hasnt made this correct or XXXX

Company response to consumer: Closed with explanation