vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last four of my social :XXXX Statement of Facts Regarding Unauthorized Inquiry from XXXX XXXX I am writing to formally dispute an unauthorized inquiry listed on my credit report.

The inquiry is dated XX/XX/year>, from XXXX XXXX. I do not recognize this inquiry, nor did I authorize any transaction or credit request involving XXXX XXXX  on the aforementioned date. This inquiry is fraudulent, and I am requesting that it be immediately removed from my credit report.

Statement of Facts : Unauthorized Inquiry : On reviewing my recent credit report, I found an inquiry from XXXX XXXX  listed under " Inquiries '' dated XX/XX/year>. I did not initiate any contact with this company nor give consent for them to pull my credit report.

No Prior Relationship : I have never applied for credit, services, or initiated any business with XXXX XXXX. I am certain that I did not authorize any credit check or inquiry with them.

Fraudulent Activity : This inquiry is unauthorized, and I believe it is the result of fraud. Someone may have impersonated me or used my information without my consent to access my credit report.

Request for Immediate Action : I request that TransUnion immediately : Remove the unauthorized inquiry from my credit report.

Conduct a full investigation into this matter to determine how the inquiry was made without my authorization.

Provide me with written confirmation that the fraudulent inquiry has been removed and that my credit report has been corrected.

Please treat this matter with urgency, as unauthorized inquiries
can have a negative impact on my credit score and may be indicative of identity theft. 



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 2025-01-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-01-08 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: NY

Complaint narrative:
XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT XXXX BANK XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX GLOBAL LENDING SERVICES XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX CREDIT/DARCARS XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/DARCARS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/DARCARS XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
There is a loan on my credit report that was financed with Ally. The account is now charged off. I have been told by my CPA that should have received a 1099. He also stated that if they can not provide the 1099 then it should be removed from my credit report.

Thanks for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
There's a XXXX XXXX bankruptcy that's being reported on my credit report I have disputed the information numerous times I've contacted the bankruptcy court and they have advised me they do not report to the credit Bureau plus the bankruptcy court advised me there is no bankruptcy under my Social Security number I've also provided a letter from the court to have this XXXX XXXX bankruptcy removed off my credit report because it's an error not sure where you're getting your information from but it's incorrect.

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 2025-01-08 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: NY

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-08 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: NY

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I called to ask of why the website was showing I had a past due payment after I made a payment. They informed me my billing had changed and later I found it was a late fee added after several calls because it keep saying past due when I paid. No notification of fee was mailed to inform me nor was an explanation on the website. I called and told them that was a violation of my consumer rights and I would complain because I wasnt notified. They then penalized me by removing my access to view my account online I no longer could make a payment I thought that the website was down until I called and was told I was deactivated because I threatened to complain and call a lawyer because my rights were violated. Now because I had no notification of being deactivated I am late making a payment because I dont get paper statements due to no fault of my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Need to file a class action lawsuit to put this company out of business they are bad for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I noticed that my credit profile had been compromised & immediately contacted the authorities ( police report ), & filled out an FTC Report as well ( notarized ). I notified the Credit Bureaus as well as the unauthorized Creditors on my profile. I decided to escalate the dispute when they were not trying to accept my legal rights of fighting for my identity with documented proof.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

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 do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NV

Complaint narrative:
I have a online account w NetSpend they closed my account with our noticed I have money in the account. NetSpend refuses to allow my money to be relesed to my cash app card they now say I need a id I've never been told this

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 2025-01-08 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: Diverse Funding Associates LLC
State: IN

Complaint narrative:
I have gotten numerous emails and phone calls from this company on XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX. They also texted me on XX/XX/XXXX. Each time saying I owe a balance of XXXX. The company has said they will contact a lawyer for further action if I do not pay them. I have no contracts with this company or knowledge who this company is.

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 2025-01-08 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Attempting to buy plane tickets, they've got this big ad " Apply for our credit card now, get XXXX dollars off '' Okay. Whatever. I'll try it, i never do this but I'll try it. I go through all the rigamorole of unfreezing my credit at all XXXX beaureus, apply for the XXXX of instant credit, and it tells me " Your application is pending further review, we will send information within XXXX days '' Okay. So now I can't get the XXXX deal, because I needed to USE this credit card to make this purchase. 

So I don't want it if I don't get the benefit... But you know what they are going to do anyways? Hard inquiry on my credit, because I inquired about a scam that they were never going to honor. 

And then I'm never not once going to use it. Cancelled or declined instantly, i don't XXXX want it, it is of no XXXX use to me, if i don't get the XXXX sign on bonus for the XXXX purchase associated with the credit application in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-08 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: CA

Complaint narrative:
I am filing a formal complaint regarding late payment notations on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> These entries may result from creditor errors or noncompliance with federal laws, including the Truth in Lending Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( FCRA ). Im requesting a thorough investigation to verify that creditors provided proper billing statements and notices as required by law. If compliance can not be substantiated, these entries must be removed from my credit report. 
The presence of these late payments has severely impacted my credit standing. I urge the CFPB to act swiftly to investigate this matter and ensure my rights as a consumer are upheld. Please confirm receipt of this complaint and provide a resolution within XXXX days.

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 2025-01-08 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:
I am writing to formally request that Experian block several fraudulent items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The inaccurate information includes a XXXX XXXX XXXX secured card opened on XX/XX/XXXX, showing a balance of {$170.00} and {$150.00} past due as of XX/XX/XXXX ; an XXXX secured loan that was opened on XX/XX/XXXX and closed on XX/XX/XXXX, with XXXX late payments listed ; and an XXXX XXXX account opened on XX/XX/XXXX that was charged off with {$99.00} written off and closed as of XX/XX/XXXX. Additionally, there are several hard inquiries that I did not authorize, including inquiries from XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Resident Verify on XX/XX/XXXX. I do not recognize any of these accounts or inquiries, and I am certain that they were not authorized by me. These items are the result of identity theft and have had a negative impact on my credit report and financial well-being. I have attached my updated FTC Identity Theft Report ( # XXXX and # XXXX ), along with my Experian credit report highlighting the fraudulent entries and other supporting documentation. In addition, I would like to request the removal of the address XXXX XXXX XXXX, XXXX, GA, which I have highlighted in the attached documentation. I kindly ask that you block these items from my file as required under FCRA 605B and provide written confirmation of the resolution to my email at XXXX. 

I mistakenly used the same information for my Experian dispute that I had used with XXXX, not realizing the differences in how each credit bureau handles disputes. As a result, my initial attempt with Experian was unsuccessful. However, I have now uploaded all the requested documents and have created a new, more accurate report based specifically on my Experian credit report to ensure that everything is correct this time.Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
Subject : Pre-Arbitration Letter Regarding the following accounts XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX Dear Experian I am writing to formally notify you of my intention to resolve a dispute regarding the above-referenced account through arbitration, if necessary. However, before proceeding to arbitration, I would like to offer an opportunity to resolve this matter amicably. 

The nature of the dispute is as follows : incorrect billing, unauthorized charges, unverified debt, I am requesting the following resolution : Removal of collection debt or settlement offer. 

To avoid arbitration, I am willing to engage in good-faith negotiations. Please respond to this letter within XXXX days to confirm your willingness to resolve the matter. You may contact me by email or phone XXXX XXXX If I do not receive a satisfactory response within the stated timeframe, I will proceed with arbitration as provided under the terms of our agreement and applicable laws. 

Thank you for your attention to this matter. I look forward to resolving this dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I have tried several times to get these funds credited back to my account. Needed to verify identity because of fraud because there is fraudulent activity and I need to verify my identity. I verified and still my account was being used with old cards because the they had access to the account information and they don't close the original one and several transactions were done in the account and my money was taken while account and I still have not been credited they give very generic responses telling me some will get with me and no one ever does and I'm tired of this I feel uncomfortable heard and my money is not safe please help there website and agents told me I'd get provisional credit in 10 days but still not credited and I'm over it this is stressful I get disconnected in chat 1 min after asking about disputes they do not want to fix the problem in get hung up on when I call I'm over it

Company response to consumer: Closed with explanation