vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 informationisinaccurate.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2017, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) : In this case, the plaintiff alleged that XXXX XXXX XXXX violated the FCRA by failing to properly investigate and respond to the plaintiff 's dispute regarding inaccurate information on their credit report. The court granted the plaintiff 's motion for partial summary judgment, finding that XXXX XXXX XXXX had violated the FCRA.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hard iquiry of WellsFargo XX/XX/24 in the XXXX bureau

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX  : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request.

When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXXXXXX XXXX XXXX : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: PA

Complaint narrative:
There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still XXXX  during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these 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 2024-06-04 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: PA

Complaint narrative:
There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still XXXX  during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, XXXX, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to file a complaint against XXXX and XXXX stating that I did not send to correct information such as driver 's license, security card, and proof of residence. Attached is evidence that this information was sent via certified mail on XX/XX/XXXX. XXXX responded on XX/XX/XXXX and XXXX responded XX/XX/XXXX stating that I didn't not follow proper protocol. Both companies elide to the fact that it wasn't me whom did file the dispute. 

I'm requested each company update my performance information on my credit profile as mentioned in the Personal Information Update Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXXXXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX, XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due violation of 15 USC 1681b.

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 2024-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've noticed unfamiliar entries on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these entries. Their presence is causing significant stress as they do not reflect my true credit history or financial conduct. Dealing with this issue has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and resolve the matter. These inaccuracies are impeding my progress toward important financial objectives, such as homeownership and supporting my family. I sincerely hope for a prompt resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
I've noticed unfamiliar entries on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these entries. Their presence is causing significant stress as they do not reflect my true credit history or financial conduct. Dealing with this issue has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and resolve the matter. These inaccuracies are impeding my progress toward important financial objectives, such as homeownership and supporting my family. I sincerely hope for a prompt resolution 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

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

15 U.S.C. 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 response to consumer: Closed with non-monetary relief