vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have an active fraud alert on my credit report that requires creditors to contact me before inquiring about credit applications and before issuing any credit products. I was not contacted by any of these companies on the dates listed about any credit application nor did I approve any credit inquiries or applications on these dates and do not recognize the inquiries listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : Name XXXX XXXX XXXX XX/XX/2024 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have a reference number is XXXX at : XXXX. I was a victim of identity theft a few months ago.

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 2024-05-19 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-19 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-05-19 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am not liable for this debt with HUNTER WARFIELD, INC, I do not have a contract with HUNTER WARFIELD, INC, they did not provide me with the original contract as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Consumer report shows I was late on payment this account was paid off XXXX XXXX that I have never been late for months XX/XX/2024 and XX/XX/2024 I have attached screenshot of the paid check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Self Financial Inc.
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Do you understand what I'm saying? The fact that a company has my card on file doesn't mean they can charge it with whatever they want. I did not subscribe to the fraudulent company ( XXXX XXXX ), yet my card was charged, and the company is not willing to refund my money. There is no proof that I used their service. I reported this issue immediately after noticing the charge and mailed you showing how several other banks were able to save consumers from similar fraudulent charges by this notorious company. Why are you aiding a fraudulent company? I don't know them and did not subscribe to their service. Is it too much to attend to this as a fraudulent charge? When I raised a dispute, why did you side with them, claiming they don't offer refunds to my state? I never subscribed to their service in the first place. I have always paid my debts promptly and do not owe you anything. If you don't help me recover my money, I'll do everything possible to fight both of you ( PayPal and XXXX ) if your mission is to aid fraudulent transactions. Why do you allow a company with zero reputation to use your services? Are they above the laws of this country that you can't give a fair judgment? How can you tell me to reach out to a company I don't know to get my money back? Please, reconsider my case with compassion and fairness. All I'm asking for is a resolution that reflects the truth of the situation and protects consumers from fraudulent activities. If this issue is not resolved promptly, I will escalate it further to as many government agencies as possible to ensure that justice is served, and other consumers are protected from similar fraudulent practices.

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 2024-05-19 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: Possible Financial Inc
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
After reviewing my last Transunion consumer report - File # XXXX XXXX.I am not asking Transunion to verify or validate any debt., I'm electing to opt out of any & all authorization of reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX records pertaining to me. that I the consumer may have given you, either in writing, non-written or verbal or non -verbal per 15 USC 6802 & 16 CFR 313.7. This is effective immediately and indefinitely.

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 2024-05-19 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:
Transunion, XXXX, & XXXX continue to violate federal consumer protection laws set in place to govern these companies. I did not give permission for either consumer agency to provide me with the service they provide. Therefore gathering my allege financial history with XXXXXXXX XXXX and incorrectly claiming they have verified the information is a violation of my rights. If you have done a reasonable investigation then you should be able to provide me with proof that you did see documents or talk to someone with first hand knowledge to attest to this information you are reporting. Either way I do not give you authority to report this account and you should not have access to it as its private and releasing it in such a public manner puts me at risk of data breaches.

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 2024-05-19 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer report shows I was late on payment this account was paid off XXXX XXXX that I have never been late for months XX/XX/year> and XX/XX/year> I have attached screenshot of the paid check

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 2024-05-19 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: NY

Complaint narrative:
Consumer report shows I was late on payment this account was paid off XXXX XXXX that I have never been late for months XX/XX/year> and XX/XX/year> I have attached screenshot of the paid check

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I open a new bank account with Citibank with a cashiers check that was sent to me from XXXX because I pay them with my federal refund to file taxes. I open the account with the cashiers check of XXXX $ which was my federal refund. Citibank close my account and only spent XXXX $ the remaining balance wont be returned to me they are asking for a hold harmless cause they thought its was fraud but I called XXXX XXXX and the sbtpg and said they have talk with Citibank its not a fraud check multiple times. On XX/XX/year> was the last email I got from I Citi bank asking me to get a hold harmless from the XXXX. 
I had provided Citibank with my 1040 federal return since they ask for it my passport driver license in person and even the pay-stub where I received the cashiers check of my federal refund.

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 monetary relief
Consumer complaint received 2024-05-19 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: Possible Financial Inc
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
Equifax Confirmation # XXXX - I received my Equifax consumer report, and Equifax is still reporting XXXX Bankruptcy court South Carolina. I did not give Equifax, or XXXX XXXX XXXX or any of its affiliates my written permission to report this public record/Bankruptcy on my Equifax consumer report. Equifax has not shown me any proof in writing where my permission was given. To this complaint, I have attached written proof that XXXX XXXX Bankruptcy courts does not report any records to any credit reporting agencies. Not only that, I have not given them my permission, but they are also violating my privacy according to privacy act of 1974. Equifax is violating the following, 15 U.S. Code 1681b - Permissible purposes of consumer reports.. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Also, Equifax is stilling reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX according to FCRA as a Federal protected consumer, Im electing to opt out of any & all authorization that I the consumer that may have given you, either in writing, unwritten or verbal or non-verbal per 15 USC 6802 & 16 CFR 313.7. This effectively immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: National Credit Systems,Inc.
State: MO

Complaint narrative:
I first sent the collection on my credit on XX/XX/2023 I then reached out to the debt collector requesting information on this debt on XX/XX/2023. I was told that I Owed the XXXX XXXX XXXX XXXX. I advise I was not sure who this company was and how did the get my personal information I was told that the debt was sold to National Credit Syatems on XXXX. I advised I was not aware of this date and I would return the call at a later date because the person I was speaking to was rude and disrespectful she advised that my credit would be ruined if I didnt pay this full amount of XXXX I advised her that I didnt have that type of money and would call back after I verify this debt. Then on XXXX I called the company back asking for supervisor. Spoke with a supervisor she was also threading to ruin my credit advised the supervisor I dont have that type of money and asked if there was something else I could do to get h I didnt make the full payment in full ended the phone call the so this company does not set up payment arrangements. So I offered 5 % of the debt I was turned down. Im living with someone because of this debt on my credit is in dismay and I cant get my own place with this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MD

Complaint narrative:
I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX bank and they said they could not write a letter of deletion so I can send to alll three credit bureaus.

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 2024-05-19 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: MD

Complaint narrative:
I did a soft pull according to a website and it was reported as a hard injury. I tried to talk to XXXX XXXX and said go to XXXX bank and they said they could not write a letter of deletion so I can send to alll three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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