vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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, CA XXXX XXXX / XXXX XXXX XX/XX/year> TransUnion Dispute Department RE : Unauthorized Credit Inquiries/ Non-Permissible Reporting Violations Dear TransUnion Dispute Department, I recently reviewed my credit report and identified inquiries I did not authorize or recognize. I have not applied for any form of credit in the last 18 months, and these inquiries are deeply concerning as I take great care in protecting my credit and personal information. 

The inquiries in question are as follows : XXXX ( Finance/Personal ) Inquiry dated XX/XX/year>XXXX XXXX XXXX XXXX ( Automotive ) Inquiry dated XX/XX/year> Under Section 604 of the Fair Credit Reporting Act ( FCRA ), a credit inquiry must have a permissible purpose, such as my initiation of a credit application. Since I did not apply for any credit or authorize these inquiries, I am formally disputing their presence on my credit report. 

Additionally, Section 604 ( 15 U.S.C. 1681b ) requires documented evidence of permissible purpose or written authorization. I have contacted the companies listed above, and they have failed to provide proof of my consent or any documentation justifying their access to my credit report.

Per Section 611 ( 15 U.S.C. 1681i ), if any information on a credit report is found to be inaccurate, unverifiable, or incomplete during reinvestigation, it must be promptly removed. Since these inquiries can not be verified, I demand their immediate deletion.

Please investigate these disputed inquiries thoroughly and remove them from my credit report. If your investigation can not produce verifiable evidence or permissible purpose for these inquiries, I expect a corrected credit report reflecting their removal.

Thank you for your cooperation in resolving this matter promptly. Please confirm receipt of this letter and keep me informed of the status of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
I discovered numerous inaccuracies and violations on my credit report that contravene the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. These include : Failure to Verify Information : Under FCRA Section 616, the credit reporting agency accepted inaccurate credit information about me without verifying its accuracy. This is willful noncompliance, subject to civil liability of up to {$1000.00} per violation.

Deceptive Practices : Per FCRA Section 623 ( a ) ( 3 ), inaccurate accounts and inquiries were reported without proper validation, misleading me and other parties reliant on my credit report.

Unauthorized Sharing of My Personal Information : My right to opt out of sharing my personal data, as outlined in FCRA Section 603 ( d ) ( 2 ) ( A ), was not disclosed to me. This is deceptive and infringes upon my consumer rights.

Debt Validation Failures : Under 15 U.S.C. 1692g, several debts reported on my credit report were not validated as required. Without proper documentationsuch as signed agreements or contractsthese accounts can not legally remain on my report. 

Reporting Inaccurate Late Payments : " Late payments '' were inaccurately reported without a clear definition of what constitutes " late, '' violating timely payment regulations and 15 U.S.C. 1681e ( b ). 

Unauthorized Hard Inquiries : Several hard inquiries, such as those from XXXX, were made without my written consent, in violation of 15 U.S.C. 1681b ( a ) ( 2 ).

Failure to Accurately Determine Finance Charges : As a credit reporting agency, you failed to ensure accurate reporting of finance charges, contributing to further errors on my report.

These violations have caused undue stress and harm, including unwarranted contact from creditors, and have potentially damaged my creditworthiness. I demand immediate correction or deletion of the inaccurate accounts, removal of unauthorized inquiries, and validation of debts as per FCRA and 15 U.S.C. 1692g requirements.

If these violations are not resolved promptly, I will pursue legal remedies available under the FCRA to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-28 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:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already XXXX as it 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 2024-11-28 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: FL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-11-28 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: FISERV FINXACT CORE
State: OR

Complaint narrative:
For the past week or so, any attempt to pay with my debit card through a website or app has been declined. I have tried through multiple vendors, ( XXXX, XXXX, XXXX ) and each one is declined by the bank. I have had funds in my account each time I have tried to make payment. The card seems to work fine for in-person transactions, I was able to purchase at restaurants during this time frame. 

Today, XX/XX/year>, I called in to the customer service line for Money Network Services. I was inquiring about the issue of not being able to use the card online. I was informed that they were able to locate the denied transactions. They said that " no reason is given '' for the declined purchases. One of the representatives informed me that there is a " technical error '' causing the issue, and many cards are unable to process online. 

I was given essentially no solution to the issue. I was told to use another payment method, which is difficult, as this is my main account. She also told me that there was no estimated return of service, and it could be any amount of time before it is fixed. I was offered no other options, other than to use another card with another bank. I find this unacceptable, as I am unable to use the money in my account.

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 2024-11-28 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:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already XXXX as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: MI

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 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 2024-11-28 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX SYSTEM # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX OF # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-28 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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
I purchased an XXXX on XX/XX/year> using back to school promotion. That included a gift card financed. 

On XX/XX/XXXX I ordered the XXXX. 

Only XX/XX/XXXX returned the XXXX for a refund. 

Part of the promotion you receive a {$100.00} gift card and finance. Goldman had me still paying the gift card for the item I returned. 

I contacted and disputed after speaking to a representative. They denied my dispute as Based on available information, we determined you agreed to the merchant 's terms and conditions at the time of purchase and no refund or credit is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-28 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: AZ

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-11-28 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: NC

Complaint narrative:
Subject : Dispute of Fraudulent Accounts and Hard Inquiry on Credit Report Dear [ XXXXExperian ], I am writing to formally dispute inaccurate information and fraudulent accounts that are being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request an immediate investigation and removal of the following items : XXXX Disputes : XXXX. Hard Inquiry from XXXX XXXX  : I did not authorize this inquiry, nor do I have any accounts or interactions with XXXX XXXX. Please remove this unauthorized inquiry promptly. 
XXXX. XXXX XXXX XXXX XXXX : This account is fraudulent and does not belong to me. Kindly investigate and remove it from my credit report. 

Experian Disputes : XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are also fraudulent and inaccurately reported. I request an immediate investigation and removal of these accounts. 

This inaccurate and fraudulent reporting is significantly impacting my ability to obtain essential financial opportunities and is causing unnecessary harm to my credit standing. 

In accordance with FCRA 611 ( 15 U.S. Code 1681i ), I request that you : Investigate these items thoroughly. 
Remove any unverifiable, inaccurate, or fraudulent information. 
Provide me with an updated copy of my credit report after corrections are made. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed items highlighted for your convenience. 

Please confirm receipt of this dispute and provide updates on the investigation and resolution in writing. You may contact me at the information listed above if further documentation is needed. 

Thank you for your prompt attention to 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