vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: MS

Complaint narrative:
Transunion has several unverified and authorized inquiries on my report. Ive had several unsuccessful attempts to get these fraudulent inquiries removed. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-10 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: TX

Complaint narrative:
On XX/XX/year>, I looked at my report. I sent a letter to Transunion on XX/XX/XXXX asking them to re-investigate these accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. ) I have included the pictures of the tracking below. They sent me a letter saying the accounts were accurate. 
After looking at my report yet once again, nothing has changed. According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverified information. ( A ) in general If, after any re-investigation under paragraph ( 1 ) of any imformation disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove those items.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am submitting this statement to address instances of identity theft and fraudulent activity that have compromised my personal identifiable information. Over the past several months, I have become aware of unauthorized access to my personal and financial data, leading to fraudulent accounts, inquiries, and other suspicious activities. 

**Compromised Personal Identifiable Information : ** - My name, XXXX XXXX XXXX XXXX XXXX  has been utilized in various fraudulent activities, including the opening of unauthorized accounts and inquiries into my credit history without my consent. 
- My address, phone number, and other personal details have been used to create fraudulent accounts and conduct unauthorized transactions. 

**Fraudulent Accounts : ** - I have discovered the existence of fraudulent accounts in my name, including collection accounts and accounts with outstanding balances, such as the XXXX XXXX XXXX XXXX account, which I did not authorize or create. 
- Additionally, there have been unauthorized inquiries and applications for credit, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmong others. 

**Actions Taken : ** - I have taken immediate steps to dispute these fraudulent accounts and inquiries with the respective credit bureaus, including XXXX XXXX as well as with XXXX and XXXX XXXXXXXX XXXX XXXX 
- I have also filed a report with XXXXXXXX XXXX XXXX Identity Theft Victim  Assistance XXXX and provided them with a completed identity theft affidavit, as well as with law enforcement authorities. 

**Request for Assistance : ** - I am seeking assistance and support in resolving these fraudulent activities and restoring my credit and financial well-being. 
- I request that identitytheft.gov assists me in investigating these instances of identity theft, coordinating with relevant financial institutions and credit bureaus, and taking appropriate action to remove fraudulent accounts and inquiries from my credit report. 

**Conclusion : ** In conclusion, I am deeply concerned about the impact of these fraudulent activities on my financial stability and reputation. I am committed to working diligently to rectify these issues and prevent further harm. Your assistance in this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2024-03-10 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: MS

Complaint narrative:
Equifax has several unauthorized and unverified inquiries on my credit report. Ive had several unsuccessful attempts to get these fraudulent inquiries off my report. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are all inquiries I do not recognize and I want them removed from my report immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collections items were reported inaccurately or incompletely, failing to provide sufficient information to verify the debt 's accuracy and validity. As a result, I am unable to ascertain the legitimacy of these collections items and dispute their inclusion on my credit report.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collections items were not adequately investigated by the furnisher of the information, despite my repeated requests for verification and validation of the debt. This failure to conduct a proper investigation violates my rights as a consumer under the regulatory provisions outlined above.

Violation of 12 CFR 1006.34 ( d ) : The collections items were not reported in a timely manner, exceeding the permissible reporting period specified under the regulatory provisions. As a result, I have been unfairly burdened with negative credit information that should have been removed in accordance with the applicable timeframes.

Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : The collections items were reported without proper documentation or evidence to substantiate the debt 's existence and validity. This lack of supporting documentation violates the Fair Credit Reporting Act ( FCRA ) provisions outlined above, which require furnishers of information to provide accurate and verifiable information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
Last week XXXX I called ti try to get loan was told that I qualify for XXXX  but because my credit score was not good I had to take out insurance and I didn't know that may be a scam I also had to send money to a person then I was told I would get my loan then a person named XXXX XXXX took over a from there everything went down hill.now I am overdrawn XXXX I am XXXX and I hope you all can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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:
I asked the credit bureau 's to do a verification that everything was correct across all three credit bureau 's for a collection bill. The original creditor is XXXX XXXX XXXX XXXX  for a amount of XXXX dollars that's in Collections after the dispute. They told me that there were changed items but never removed it off my report when I researched myself. I found inconsistencies across all 3 credit bureau 's and believe this should be removed due to the inconsistencies, as well as the fair credit act saying it must be Accurate.

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 2024-03-10 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:
I am writing to dispute unauthorized activities on my credit report. These accounts were not initiated by me, and I suspect them to be the result of identity theft.

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 2024-03-10 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 SECTION 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Under XXXX XXXX XXXX - permissible purpose of consumer report, Th LAW CLEARLY STATES : ( a ) IN GENERAL + Subject to subsection ( c ), any consumer reporting agency may furn a consumer report under the following circumstances and no othe ( XXXX ) In accordance with the written instructions of the consumer t whom it relates. 
Did I give you written instructions to furnish this account on my cre report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( XXXX from a consumer credit report clearly states : ( a ) XXXX- Except as provided in paragraph ( XXXX ), XXXX " consumer report '' does not include- + ( A ) Subject to subsection XXXX of this title any- XXXX ( i ) Reports containing information solely as a transactio... 
experiences between the consumer and the person making the repcRts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-10 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2024-03-10 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
The company sold my account to a company without my permission. This Company needs to provide the original contract with my original wet ink human signature to verify debt is in fact the debt of XXXX : XXXX. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purse to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 ( 4 ).

If they are unable to provide the above this account by law must be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XXXX where they stated everything was complete and accurate can you please help 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 2024-03-10 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: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I am a victim of identity theft. My family member got an auto loan and other credit cards in my name without my permission. I fully prosecuted and sued her all the documents will be attached. 

Please help me this is hindering me and it is in fact identity theft. 

Please remove this fraudulent 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 2024-03-10 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: KS

Complaint narrative:
I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress.

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 2024-03-10 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I opened an Indigo credit card/ genesis, FS card services in early XX/XX/XXXX. I XXXX XXXX XXXX Was never late on a payment ever never went past my maximum credit limit of {$300.00} I had a fall paid as agreed on all three credit bureau/agencies for about 18 months. Now I got XXXX on XX/XX/XXXX at the time I do believe I owed indigo right around {$70.00} is what my balance shouldve been. I disputed my indigo account with XXXX XXXX and I dont believe I disputed it with XXXX just as of yet, the reason being is I was not disputing the indigo account saying it was fraudulent. It was my account I opened the account and early XX/XX/XXXX and like I said always paid as agreed never went even close to my {$300.00} credit limit most of the time Very low balance anyway was held without bail on XXXX XX/XX/XXXX while I was sitting at the XXXX XXXX XXXX XXXXr got my wallet and my tablet from out of the vehicle that the XXXX XXXX Police Department towed to their impound lot, and then auctioned off the vehicle Right around XXXX late XXXX I discovered all my accounts have been compromised. I let my case XXXX XXXX XXXX know and she allowed me to make as many phone calls as she could be in as busy as she was would be the only case manager for a lot of XXXX my point for this complaint is and I already contacted indigo/Genesis FS card service bank. I did not want my indigo account to just be disputed and took an off of my credit report all together I wanted the truth to be reported and that was for over 80 months I paid as agreed, and once I got incarcerated, I was a victim of identity, theft and unauthorized use of my credit card or my credit card and all my bank cards were used. I filed a police report online. I have it all document ties so I will be sending documents to indigo Genesis bank, FS card services And I will be sending copies to all three major credit agencies also because under the credit report and act a credit account that was rifle mine and was being paid on on time every month for over 18 months actually help my credit so I feel like them keeping the collections on my credit report hurt me and my credit score and them taken the indigo account off. My credit report hurt me even more because it wouldve showed nothing but on time payments for over 18 months right before I got detained and incarcerated and was offering me there upgraded card which I cant remember what its called in the rewards or something like that Ill submit the documents I have now, but I also will be submitting more documents via US mail to indigo/Genesis FS card services, Bank, and all three credit credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
This account was previously deleted on XXXX and XXXX because they couldnt verify the debt but transunion wont delete the item and this is a clear violation 15 US. Code 1692e 10 - false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2024-03-10 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: IN

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry on my credit report. I have no record of initiating any business or financial transaction with the said creditors that would warrant such an inquiry.

Company response to consumer: Closed with non-monetary relief