vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: NC

Complaint narrative:
Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXXXXXX XXXX, it has the same date as XXXX  XXXX and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my Equifax and XXXX as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. Im not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the Company XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance manager said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my Equifax and XXXX stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up 3 weeks later but with the same date as the XXXX  XXXX XX/XX/2023, but now the XXXX  XXXX inquiry is magically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited two loan checks from XXXX XXXX and XXXX through a Chase Atm. My checkings account got closed because these checks could not be verified from chase. I called the lenders and they said they can verify the check chase just needs to call them, but Chase says they cant verify the checks because the numbers arent apart of their systems. I already made payments for both of these loans, and i have yet to get my funds from chase who are holding it, which {$5400.00}. I deposited {$1500.00} on XX/XX/XXXX and deposited {$3900.00} on XX/XX/XXXX both through a atm. My checkinngs account where i deposited both of these checks, got closed by chase on XX/XX/XXXX for the reason of them not being able to verify the checks. I have called relentlessly to chase to fix this situation and even gone to different branches in person to find assistance but they all say they cant help because of Chase systems, my lenders said chase just needs to call them to verify the checks, i already started making payments for the loan, and Chase wont release my funds, with both lenders I provided a different number for chase and they still said they cant verify the checks. HELP ME! I fear this will be an ongoing situation where I wont recieve my funds that Im already paying for :/

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. Upon careful examination, I noticed several credit inquiries that are not mine, and I did not authorize these inquiries. 

Below, I have listed the unauthorized credit inquiries along with the respective dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned about the potential impact these unauthorized inquiries may have on my credit score and financial well-being. I kindly request your assistance in investigating and resolving this matter promptly. If there are any additional steps or information required from my end, please let me know, and I will provide the necessary details to aid in the investigation. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring the integrity and accuracy of consumer credit reports.

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 2024-01-11 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. Upon careful examination, I noticed several credit inquiries that are not mine, and I did not authorize these inquiries. 

Below, I have listed the unauthorized credit inquiries along with the respective dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned about the potential impact these unauthorized inquiries may have on my credit score and financial well-being. I kindly request your assistance in investigating and resolving this matter promptly. If there are any additional steps or information required from my end, please let me know, and I will provide the necessary details to aid in the investigation. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring the integrity and accuracy of consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint serves as a follow-up to my previous complaint ( XXXX ) filed on XXXX against Experian regarding the inaccurate reporting of a purported debt on my credit report. While I am grateful for the CFPB 's ongoing investigation, I regret to inform you that Experian has further violated my rights by marking the disputed debt as updated on my credit report as of XXXX. This action blatantly disregards my valid dispute and the lack of any proof of debt provided by the debt collection agency.

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 2024-01-11 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: MI

Complaint narrative:
I have requested the immediate removal of fraudulent accounts and inquiries form XXXX, XXXX and Experian. Under setion 605B of the fair credit reporting act, in union with 15 USC 168c-2. Below are the listed fraudulent accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: Sunbit, Inc.
State: NY

Complaint narrative:
Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801 states " [ i ] t is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Sunbit Now, XXXX ( " Sunbit '' ) is a financial institution by definition under that title. See also 16 C.F.R. 314.15. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' See also P.L 90-321 ( 82 Stat. 146 ). Sunbit does not have my consent to furnish this information and they surely do not have my written consent. This lack of consent is confirmed by the attached legal opt-out notice. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). Sunbit does not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them. Additionally, 15 USC 6802 ( b ) ( c ) states that [ a ] financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Sunbit never informed me of my right to exercise my nondisclosure option. And per the enclosed notice, I revoked any consent - implied, express, verbal, or non-verbal- to which Sunbit may have been relying on is legally revoked indefinitely. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ 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 information is inaccurate. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt-out at any time. I am opting out of Sunbit and XXXX 's reporting of this account. Accordingly, Sunbit has received lawful notice of my opt-out of their reporting of the following account to non-affiliated third parties- such as XXXX. Thus, Sunbit is not lawfully permitted to continue to reporting this account on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Debit card transfer in error as fraudulent activity, requested payment to be stopped. Reported to Bank of America on XXXX hours after transaction. Call to bank next day, XXXX, for status update and found there was no claim filed on my behalf. Claim then filed on XXXX. I feel Bank of America should have reacted much more quickly to process claim on night of call instead of taking action when I called the next day.

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 2024-01-11 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: MI

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.

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 2024-01-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED MY SHOP YOUR WAY MASTERCARD XXXX XXXX XXXX XXXX FOR {$19.00} FOR A MEMBERSHIP I NEVER JOINED AND SHOP YOUR WAY, MASTERCARD CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX XXXX I REACHED OUT TO MY MASTERCARD, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX, BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.

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 2024-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. 

This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of XXXX XXXX XXXX XXXX  is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX, involving the unlawful trade of human beings against their will for commercial XXXX XXXX or forced labor. 

In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, 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 2024-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Information Solutions , Inc. ( EXPERIAN ) regarding inaccurate information reported on my consumer report. 

This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of XXXX XXXXXXXX XXXX XXXX is a severe federal crime, also known as XXXX XXXX XXXX XXXX XXXX XXXX, involving the unlawful trade of human beings against their will for commercial XXXX XXXX  or forced labor. 

In my XXXX CFPB Complaint ID Number, I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect XXXX  and debt bondages. 

Attached are notarized documents supporting my notices EXPERIAN ( collectively the " CRA '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to Experian Information Solutions , Inc., their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, 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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear EXPERIAN, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account Number:XXXX Party Owed : XXXX XXXX XXXX Amount : {$60000.00} Account Number:XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. 
FTC 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 2024-01-12 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: MD

Complaint narrative:
Experian has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXX Experian credit report showing the inquiries in question, circled in orange. 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 explanation