vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: NV

Complaint narrative:
The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of my credit report. 

XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX  XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX inq date:XXXX XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX Card inq date : XX/XX/XXXX According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.

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 2024-09-25 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: NV

Complaint narrative:
The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of my credit report. 

XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX  XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX  inq date : XX/XX/XXXX XXXX inq date:XXXX XXXX  inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX inq date : XX/XX/XXXX According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO

Complaint narrative:
I was out of work due to XXXX and had filed a XXXX XXXX and XXXX XXXX  against my former employer. I was able to reset the payment agreement. Once my unemployment appeal was reviewed and overturned in my favor but fell behind again while I was going through the court proceedings. I finally received my settlement and had been trying to contact the company for the payoff amount but was unable to reach anyone. At the local office or at the financing office. Anyone i spoke with would put me on hold and then disconnect. The local office was shutting down at the time and I don't know if that may have been what's causing all the problems with this matter, but I still can not get any answers or resolutions. The car broke down shortly after I received my settlement and was actually repossessed when I was working on getting it to a garage. I again tried to contact the company for payoff information, or how to get my items in the vehicle back, or where I may potentially buy the vehicle back in an auction at a specified date and time. I never received any answers or call backs. So now over a year later I'm still trying to find out what happened to the vehicle, why was it not handled correctly where I had the chance to buy the vehicle or buy it back and why is it showing on my report with nothing except the amount I had paid being the only amount deducted. If the car was repossessed and resold then that amount should have been deducted from the total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-25 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: HI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-25 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-25 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: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I disputed information within my consumer report. Equifax refuses to remove the information although sufficient evidence has been provided to remove the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have received a letter from both XXXX XXXX XXXX XXXX Bankruptcy Courts, and both letters confirmed that THEY DO NOT REPORT TO CREDIT BUREAUS, NOR DO THEY VERIFY ANY BANKRUPTCY INFORMATION. Per the letters, the furnisher, XXXX XXXX XXXX purchased my personal public record on their own and WITHOUT MY PERMISSION, decided to report this negative information. 

THERE IS NO STATE NOR FEDERAL LAW THAT STATES THAT A BANKRUPTCY HAS TO BE ADDED TO A CONSUMER CREDIT REPORT. I've asked them to delete this but they lied and said the court verified, and the letter attached, proves that the Bankruptcy Court doesn't furnish this information. 

My privacy has been violated because I never gave written consent for this to be reported, neither was I sent any letter stating this would be added to my credit file ; I wasn't given the opportunity to dispute. 15 USC 1681 states I have a right to privacy for various reasons and any consumer agency and debt collector must have my written consent to report my personal information, OTHERWISE, ITS CONSIDERED IDENTITY THEFT. XXXXXXXX XXXX XXXX purchased my personal information and decided to display it without my permission.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is stating too many inquires as a denial and in the last 15 years I have not inquired fir any credit and XXXX XXXX XXXX XXXX confirmed this statement is false from Wells Fargo Amount of bank cards says to XXXX  I only gave 1 bank account With one debit card again false reason Amount of credit available in bank cards I have no bank cards only a debit card which is my money again falsely stated by Wells Fargo Wells Fargo ran my credit 2 times one without my consent the same week. My credi was locked I actually called them to faster u received a call that I needed to contact them. I was told to unlock my credit and then they would check on my application. I asked specifically if my credit would be pulled I was told no! Recorded lines!!!!! 
Next day alert from XXXX my report has a change! Now I have XXXX inquiries in the same week. This is illegal and damaging. I called XXXX and because I caught it the sane day they removed one inquiry. 


Still not thinking I would be declined I called Wells Fargo which did not know I had the inquiry removed said they would correct their mistake and have the one inquiry removed and review my application! 

Careless because I had the XXXX  removed and there should not be a second inquiry or a denial I want proof as to how they are showing too many inquiries What number and name of bank account they are referring as too many open And explain what amount of credit available on open bank accounts they are stating I have almost 100 percent in used available credit which is good. They must not understand what available credit means My score is XXXX excellent in every scoring.. 

Need the inquiry removed because they are not even skilled at reading credit scores. They are intentionally responding with the same reasons that are false. They need to study what they are doing and understand how credit reports read!!!!

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I Just took a look at my credit report and noticed fraudulent activity. This fraudulent activity is hurting my ability to obtain credit. 
Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I just received my Citi credit card in the mail today XX/XX/year>. After activating the card and trying to add it to my mobile wallet, my card was flagged. Im now being told my purchases will be limited and I cant add my card to my wallet until I receive a letter in the mail. 

I can answer all security questions correctly, receive a text message, etc. But Citi provides no explanation to why they flagged my card and dont provide any method of verification other than a slow letter in the mail. 

This is very poor design of fraud prevention. There isnt anything suspicious about trying to activate a card and add it to your wallet when you receive it in the mail. 

Citi needs to have a more modern fraud prevention system that doesnt prevent new customers from using their cards for many days. This is a very poor experience

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 2024-09-25 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:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-09-25 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:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

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 2024-09-25 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:
id theft victim these following accounts do not belong to me XXXX XXXX XXXXXXXX XXXX. Authorized user $ Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX XXXXXXXX and report the user of this card. I have my own XXXX XXXXXXXX card. 


XXXX  XXXX card ending in XXXX balance is paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XXXX XXXX, XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX LVNV Funding Original creditor : XXXXXXXX XXXX XXXX 
RE : XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account and make purchases with XXXX XXXXXXXX XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXX XXXX and explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account. 
Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXX XXXX that the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].

Company response to consumer: Closed with non-monetary relief