vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
2. XXXX/ XXXX, Date of inquiry - XX/XX/XXXX. 
3. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
4. XXXX, Date of inquiry - XX/XX/XXXX. 
5. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
6. XXXX XXXX XXXXo, Date of inquiry - XX/XX/XXXX. 
7. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
8. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
9. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
10. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
11. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
12. XXXX  / XXXX, Date of inquiry - XX/XX/XXXX. 
13. XXXX, Date of inquiry - XX/XX/XXXX. 
14. XXXX, Date of inquiry - XX/XX/XXXX. 
15. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
16. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
17. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
18. XXXX, Date of inquiry - XX/XX/XXXX. 
19. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
20. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
21. XXXX, Date of inquiry - XX/XX/XXXX. 
22. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, 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 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Someone opened a MoneyLion card in my name using my email on XX/XX/2021. I caught it by chance via an email in my personal account, I immediately tried to contact MoneyLion but cant get in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt collector sold this debt, to access financial. Therefore committing fraud by investigating and claiming the debt re-aging this debt and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Fair Collections & Outsourcing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX is still reporting on my credit report and has been paid in full, the collection has been reported as paid off. Please see attached paid off notice.

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Requested validation of debt but was never sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
After 10 months of dealing with a company called Loanpal and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX. Loanpal also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company Loanpal, nor should the inquiries that were never authorized be on my account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX resolution that they get mine facts right and supposed to write information about me if they going to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such XXXX loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX XXXX XXXX XXXX, and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such XXXX loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I want the fraudulent inquiry from quicken loans removed. XXXX  refused to be of service. I want proof of the authorizations or for the inquiry to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I want the fraudulent inquiry from XXXX XXXX removed. Equifax refused to be of service. I want proof of the authorizations or for the inquiry to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Equifax P.O. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX  - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. The XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry, XX/XX/XXXX I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
Factual data fraudulently inquired regarding my credit for a fraudulent mortgage lender " XXXX ''. The company did not receive my permission to run my credit in the span of the 10 months that they attempted to provide me with a fraudulent and predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
XXXX XXXX fraudulently inquired regarding my credit for a fraudulent mortgage lender " XXXX ''. The company did not receive my permission to run my credit in the span of the 10 months that they attempted to provide me with a fraudulent and predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMMERCE BANK
State: CO

Complaint narrative:
In XXXX of 2020, Commerce Bank ran a hard inquiry on my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
About 2 years ago I decided to leave XXXX because they kept charging me for phones, tablets, and other devices that I did not have. When I brought this to their attention they continued to ignore me and when I did get a live representative they would tell me I had no choice and that I had to pay even if I was never given a phone they were charging me for. 

After going through this and my bill continuously being incorrect I finally got to the point that I decided I could not take it anymore as it was causing me stress and I do in fact have XXXX  and XXXX XXXX XXXX. 

When I tried to cancel they would apologize profusely and start making me offers in order for me not to leave their company and I ended up staying longer but when they continued to charge me erroneous fees I finally could not take it and decided to cancel and I ended up going to XXXX XXXX XXXX. 

When I left I paid the amount I owed and at that point, I did not hear from them for about 2 years. 

However, I recently received a bill out of nowhere appear on my credit report for {$3000.00} from a collection agency called Enhanced Recovery as of XX/XX/2021. 

Not only did I get this applied to my credit report I am now receiving threatening phone calls telling me that if I do not pay they will take me to court and even after expaining to them that I do not owe they are very rude and keep calling ane refuse to take this erroneous account off of my credit which has dropped y score dramatically. 

Please review this as after exploring this company and XXXX I read many reports of them doing this to others with the exact same story but I'm sure once they realize they can't take advantage of me I am hoping they will remove it from my credit report and if not I will seek legal advice as I refuse to pay for a bill I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Total amount {$1600.00} account/bill was for corrected medical procedure that was done incorrectly. Dental service provider sent me 3 hours away to another qualified dentist to correct the issue and stated I would not be responsible for their negligent service causing me to have a root canal which was not initially needed. Dentist cause an issue and it had to be correct at my expense of going to only other dentist to correct issue in XXXX XXXX XXXX 3 hours away. Now XXXX is wanting to charge me for fixing what 1 XXXX messed up and another had to correct!

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 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital is constantly calling me and sending me Letters about this Debt.

Jefferson Capital Systems llc. 
JCS Reference # XXXX Debt Description : XXXX XXXX Amount of Debt:XXXX I have over the Phone as well as in Writing Told Jefferson Capital that this is not my Debt. I have repeatedly told them they need to Verify this Debt. They need to send me Documentation I personally Signed with Copies of my ID where I opened this account.

I have told them this is the law under the Fair Credit Reporting Act. However they never respond other than to keep calling and keep sending me Letters.

So I told them please do not contact me about the Matter anymore as I am not going to pay it. As they are able to show any Proof that this account is mine.. Still no Response on the matter just more Phone calls and more letters.

I think they think they can Bully People into Paying these False claims they have. Also this is making it really hard being on my Credit report. It is causing me undue XXXX  by keeping my Credit Score Lower than it should be.

So What I am asking is that since they have Failed after Numerous attempts requested to show me the Proof of the account. As well they have Failed to Stop Contacting me as I requested. Which is also FCRA Rules.

They need to Remove this Close and Remove this account from my Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Record : XXXX Opened the account and completed all the required items for the promotional bonus, have not received the bonus as advertised, and the advertised deadline to receive the bonus has already passed.

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 2021-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX dollars XX/XX/XXXX was the last time I received money out from my prepaid EDD Card I have already used it for Three months and its work good but unfortunately I see that Im not able to remove my money.

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