vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
From XXXX until XX/XX/XXXX, I found myself trapped in an abusive relationship that severely impacted various aspects of my life, including my financial stability. As I strive to recover from this difficult period and move forward, XXXX of my primary goals is to improve my credit score. Unfortunately, I've encountered a significant obstacle : numerous credit inquiries have been made against my name, and recently I've discovered that my ex-partner has been running my credit without my consent. 

I feel compelled to address this issue and seek assistance in having these unauthorized credit inquiries removed from my credit report. Each inquiry is causing considerable harm to my credit score, which is crucial as I aspire to buy a home and establish a fresh start away from my past. I've taken the necessary step of filing a police report regarding the unauthorized inquiries, but I am now reaching out for support in remedying this situation. 

The inquiries I would like to have removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( And other inquiries dating back as far as XX/XX/XXXX. ) Resolving this matter would mean a great deal to me and would undeniably help pave the way for my future goals. I am eager to move past this chapter of my life, and I appreciate any support in rectifying these credit issues. Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
From XXXX until XX/XX/XXXX, I found myself trapped in an abusive relationship that severely impacted various aspects of my life, including my financial stability. As I strive to recover from this difficult period and move forward, one of my primary goals is to improve my credit score. Unfortunately, I've encountered a significant obstacle : numerous credit inquiries have been made against my name, and recently I've discovered that my ex-partner has been running my credit without my consent.

I feel compelled to address this issue and seek assistance in having these unauthorized credit inquiries removed from my credit report. Each inquiry is causing considerable harm to my credit score, which is crucial as I aspire to buy a home and establish a fresh start away from my past. I've taken the necessary step of filing a police report regarding the unauthorized inquiries, but I am now reaching out for support in remedying this situation. 

The inquiries I would like to have removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( And other inquiries dating back as far as XX/XX/XXXX. ) Resolving this matter would mean a great deal to me and would undeniably help pave the way for my future goals. I am eager to move past this chapter of my life, and I appreciate any support in rectifying these credit issues. Thank you for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Self Financial Inc.
State: WI

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
SELF / LEAD XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis responded to my initial complaint stating they were unable to verify my identity when all documentation was submitted. LexisNexis also stated they needed further verification to complete my request by phone. I did not consent to such contact and law does not state LexisNexis has to speak with me I just have to provide documentation to prove my identity which I did provide. I do not want one of LexisNexis workers contacting me. Either LexisNexis provide documentation to prove the information you are supplying or you will be sued bottom line. This will become part of court record should this matter escalate to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The problem has to do with synchrony bank. The issue of my Sams Club credit card. I have never authorize them to deduct my checking account and I make a payment to them every single month never missed one. However, since XXXX of this year until XXXX when I discovered the problem They have taken on top of everything I have sent them about {$12000.00}. And the only reason I discovered that is because they are taking money out of my account several times a week. Ive tried dealing with my bank tees on credit union. But they told me they can not do anything about XXXX which synchrony has been using to get my money out. I called synchrony Bank three times trying to get some kind of resolution but their customer service wont send you anywhere and they cant help you. They have no access to the financial records. All they can do apparently is take the money from you for a payment or something like that. My bank has been able to get back from synchrony about {$4000.00}. Give or take synchrony still owes me about {$8000.00} and XXXX cant reach anyone in upper management to solve this problem I gave up and I am writing to you requesting your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This month, I received an email from Apple Card that my account was closed due to violations of service agreement. 

I have made my payments in full on time every month, did not make invalid purchases I need help reopening

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX OF XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
From XXXX until XX/XX/XXXX, I endured a challenging period in a domestic abuse relationship that lasted multiple years. During this time, several financial accounts were opened in my name without my consent, leading to significant financial distress. In light of these circumstances, I was forced to declare bankruptcy in XXXX, which has further complicated my efforts to rebuild my credit. 

As I work diligently towards my goal of purchasing my dream home, I find myself hindered by these accounts that stem from a situation beyond my control. Therefore, I am respectfully requesting the removal of the following accounts from my credit report, as they are tied to a litigation process that is unrelated to my actions. 

Here are the specific accounts in question : XXXX. **Account Name : ** XXXX XXXX XXXXXXXX XXXX 
**Account Number : ** XXXX **Account Type : ** Line of Credit **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX Number : ** XXXX XXXX Type : ** Secured Card **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Note Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXX Type : ** Cell Phone **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX I am sincerely asking for your understanding and forgiveness regarding these issues, as I am making every effort to rectify my credit situation. The burdens associated with these accounts are significantly obstructing my path towards financial recovery and homeownership. Thank you for considering my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
From XXXX until XX/XX/XXXX, I endured a challenging period in a XXXX XXXX  relationship that lasted multiple years. During this time, several financial accounts were opened in my name without my consent, leading to significant financial distress. In light of these circumstances, I was forced to declare bankruptcy in XXXX, which has further complicated my efforts to rebuild my credit. 

As I work diligently towards my goal of purchasing my dream home, I find myself hindered by these accounts that stem from a situation beyond my control. Therefore, I am respectfully requesting the removal of the following accounts from my credit report, as they are tied to a litigation process that is unrelated to my actions. 

Here are the specific accounts in question : XXXX. **Account Name : ** XXXX XXXX  XXXX XXXX 
**Account Number : ** XXXX **Account Type : ** Line of Credit **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX Number : ** XXXX XXXX Type : ** Secured Card **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Note Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXX Type : ** Cell Phone **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX I am sincerely asking for your understanding and forgiveness regarding these issues, as I am making every effort to rectify my credit situation. The burdens associated with these accounts are significantly obstructing my path towards financial recovery and homeownership. Thank you for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
According to 15 USC 1681c-2, my credit report is inaccurate due to unauthorized inquiries. These entries are impacting my score. Please delete them promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
LOUSY TRANSUNION AND XXXX SAID THEY COULDN'T IDENTIFY ME AT XXXX AND REFUSED TO PROVIDE TRANSUNION AND XXXX CREDIT REPORTS EVEN THOUGH XXXX DID IDENTIFY ME AND PROVIDED ME WITH MY XXXX REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
School was closed due to bankruptcy and was told the loan would be discharged. Received paper work saying it was and Loan is still open adding interest to my payments each month

Company response to consumer: Closed with explanation