vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address

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 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
Subject : Formal Complaint Against XXXX  Account services for FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX Account services for unlawfully reporting an unverified debt to XXXX and for continuous harassment despite my repeated requests for proper validation. 
Over two months ago, I began receiving collection calls from XXXX Account services regarding a debt that I do not recognize and does not belong to me. I immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ], which requires a debt collector to provide written validation of a debt upon request. However, despite my repeated denials of responsibility and my demand for proper verification, I never received any written notice, letter, or email substantiating the validity of this debt.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ], a creditor or collection agency is prohibited from furnishing inaccurate or unverifiable information to the credit bureaus. By reporting this unverified debt to XXXX, XXXX Account services is in direct violation of federal law. 
This failure to provide proper validation before reporting the debt has caused undue harm to my credit profile. Therefore, I am formally demanding that this account be immediately removed from my XXXX credit report. If the collection agency and XXXX fail to take corrective action, I will have no choice but to pursue legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
They did hard inquirys on my credit report that I didn't authorize and the hard inquiry dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
They did hard inquirys on my credit report that I didn't authorize and the hard inquiry dropped my credit score.

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 2025-02-14 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act, 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 1604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-02-14 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: TX

Complaint narrative:
In XXXX I requested that you the CFPB mandate the credit reporting agencies uphold the federal law that mandates educational institutions uphold data security and protect me as the student by complying and removing any student loans. This is after address this with each credit reporting agency separately. 20 USC 1232g ( b ) You the CFPB closed the complaint without ever addressing the violation of my rights and the law that was commited by the reporting agencies also accussing me of hiring a third party which i did not.

I never knowingly gave my consent to have my " personal identifiable information '' to a third party which includes the credit reporting agencies EXPERIAN, EQUIFAX and TRANSUNION. The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects my privacy and rights not to have ANY of my student records reported. Since FERPA applies to the Financial Aid Office of Colleges and Universities that receives the funding from the federal government and maintains the records of my student loans is considered education records and once again may not be disclosed without my consent nor was I told I could opt out or 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/year>, I purchased a round-trip flight ticket which was departing on XX/XX/year>. After I purchased the ticket online, I noticed that my complete last name was spelled incorrectly. I notified them admittedly twenty-four hours informing them of their discrepancy. They mentioned for me not to worry because they would strengthen out the matter by correcting the spelling of my last name. On the day of arriving at the airport for departure I was told by customer service that my full last name was incomplete and for myself notifying the airline regarding the purchase. After contacting the airline informing them of their discrepancy which they mentioned for myself not to worry, the airline refuses to make the proper correction spelling of my last name on the ticket which I was forced to pay another full fee for a flight. I contacted my bank informing them of the problem, which they temporarily credited my account informing me of their investigation into the situation. I was forced to close my account due to this matter plus after contacting my bank for additional information relating to this incident. They mentioned upon their investigation that a processing error did not occur, which the bank stated I'm responsible for repaying them for the purchase ticket.

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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identify theft. I found numerous accounts on my credit report that were not open by me. this has been hurting me as lam in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
I was alerted on XX/XX/year> that I had a collection for the amount of XXXX from IQ DATA INTERNATIONAL regarding an account that was previously paid and closed. I have documentation of the account being closed and paid. Prior to the notification on my credit report, I never received any notification from this company. When contacting the company to show proof of the account being paid and closed they weren't willing to provide me proof of debt or were willing to listen to me that I owed XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My personally identifiable information was breached intentionally when USAA ( United Services Automobile Association ) acted in an unfair, deceptive or unlawful way to obtain information regarding my husband who passed in XX/XX/XXXX. Specifically, XX/XX/XXXX, I received an unsolicited, short " generic form '' letter from USAA Survivor Relations Team offering " premature '' condolences ( I didn't contact them whatsoever ), for additional services they offered ; executors, trustees, etc. This is a shocking revelation from an insurance company I only have auto/homeowners insurance with. Deeply troubled by USAA 's heartless, deceptive invasion of my privacy, I contacted USAA Survivor Relations Team to speak with the originator of the letter : " XXXX XXXX '' only to be transferred to " XXXX '' ( call center ) who informed me that in tandem with the Social Security Office they were contacted by SSA as a courtesy to inform USAA my husband died? That when a spouse or family member dies USAA works with the Social Security Office who shares software data with USAA to report the deaths of loved ones. I informed them that this was an invasion of my privacy and very insulting, unlawful and just a underhanded scheme by USAA to " upsell '' estate products, ( says it in the letter ) At no time did I contact USAA to disclose my husband 's passing. For what reason? I'm the military member, not him, and I'm still handling details of his death which has prevented me from notifying pertinent people or companies who have a need to know! After attempting to explain to someone ( call center ) " XXXX '' who could care less about a devastated, " grieving widow '' who needs no reminders after several months of trying to move forward, I realized that this was plain " FRAUD. '' In addition, USAA supervisor, " XXXX XXXX '' confirmed that she and other USAA employees have access to the Social Security website for the purpose of data sharing of passed USAA members to send out survivor letters? I find this practice disgusting, reprehensible and fraudulent, all in the name of " upselling '' USAA products. I feel that if a relationship between USAA and Social Security does exist for this purpose, then both needs to be investigated for transparency procedures and 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 2025-02-14 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: TN

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: OK

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Home Depot/Citi Bank card opened in my name without my consent on XX/XX/year>. The charges were at Home Depot for {$1200.00}. I have contacted Citi Banl and they have given me the claim number XXXX. They said it will take 60-90 days to complete their investigation.

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 2025-02-14 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-14 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: TN

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-14 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: LA

Complaint narrative:
I MADE A COMPLAINT TO XXXX XXXX XXXX AND INFORMED THEM IN XXXX THAT MY ACCOUNT HAD BEEN COMPROMISED AND FRAUDULENT CHARGES MADE AGAINST MY ACCOUNT DUE TO MY CARD BEING STOLEN DURING A BIKING ACCIDENT IN XXXX XXXX. 

I ALSO SENT REPORTS OF DATA BREECHES FROM EQUIFAX IN XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX RESPECTIVELY INCLUDING ALL CORRESSPONDENCES FILES AND INDICES PERTAINING TO SUCH DOCUMENTS. 

ADDITIONALLY I SENT A COPY OF INSURANCE PURCHASED WHEN THE CARDS WERRE ISSUED TO PROTECT ME FROM SUCH FRAUDULENT ACTIVITY SHOULD SUCH AN OCCURENCE PERTAIN. 

ADMIST ALL THIS OCCURENCES INCLUDING ASSURANCES FROM MY ATTORNEY XXXX XXXX XXXX IGNORED MY COMPLAINTS AND WENT AHEAD AND SOLD MY ACCOUNT XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been locked out of my account and cant access my funds. I tied to reopen the access with the bank but they wont allow it. I have over XXXX $ I want to get bak and close the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I deposited a check for the amount of {$1000.00} It says that was going to be clear by XX/XX/XXXX The founds Its Friday XX/XX/XXXX and nothing I have to pay rent today last day is Monday XX/XX/XXXX If I dont pay they will send an eviction notice I have kids and wife ( XXXX  ) The check is from my oldest rental apartments residential The check would have help me to pay my current rent The check says My name and wife name I dont see the problem But anyways is affected myself and my family as well like bad I dont know what to do I dont know if a need a lawyer Is affecting my mental health and my family Wells Fargo my bank XXXX has let me down in ways a cant explain Everything is with Wells Fargo bank

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: TX

Complaint narrative:
m writing to formally dispute an account that is mistakenly listed under my name. I recently discovered that an XXXX XXXX XXXX account is associated with my personal information, and I want to clarify that this account is not mine. The account actually belongs to my ex-husband, and he has used my social security number without my permission or consent.

Additionally, I have been contacted by TrueAccord Corporation, a third-party debt collection agency, regarding this account. I am not responsible for this debt, as I did not authorize or open the account in question. I kindly request that you investigate this matter, remove my name from the account, and notify TrueAccord Corporation of the situation

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