vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I applied for a loan with Tower Loans. I specifically read their qualifications in regard to credit check. 
They specifically said on their website that NO HARD INQUIRY WOULD BE PERFORMED. 
I get ab alert saying that a HARD INQUIRY WAS PULLED BY THEM. I demand that this is removed IMMEDIATELY!!!!!! I wouldn't have agreeded to this. The date XX/XX/year> is when it was done. I have been working on my credit to long time. This is an injustice to the consumer to BLANTLY LIED TOO in such a fashion of dishonesty. Look I am looking forward for this matter to be resolved in a timely fashion. Thanks in advance. 


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 2025-01-09 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XXXX I was informed that my car was not where I left it by a family member. Payments, insurance, and registration was current. On XXXX I reported the car stolen. XXXX XXXX ran it through the database to see if was impounded and it came back not in the impound system. I called on XXXX to report it to my insurance and bridgecrest. XXXX I get a call from bridgecrest saying the car was recovered was I interested in getting it back. They could not provide me with the condition of the car after being missing for 2 weeks. I informed them that my insurance company needed to inspect the vehicle before I move further. I called back to get information was told that it was at XXXX and given a non working number to contact them. Called them for a week left messages no answer my insurance company did as well. After the run around and several calls to get information needed to move forward on XXXX I was finally given a working number to reach out to XXXX  They informed me that I needed permission to look and inspect the car from bridgecrest. I was told by bridgecrest I needed to take possession of the vehicle before I could inspect that would be {$1000.00}. The car was already being placed to be sold without any notice or information. The ball was dropped from the beginning. Why wasnt myself or XXXX XXXX notified that the car was recovered. Why werent the vin ran and it wouldve showed in the system as stolen. I was told they picked up the car from the impound lot on XX/XX/year> to avoid losing the lien. Meanwhile this isnt told to me until XXXX once they have rendered the account as closed after always having on time payments for over a year and reporting it to my credit as a repossession which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX Equifax XXXX  - XX/XX/year> Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
The 3 major credit reporting agencies continue to report erroneous information on my report. These actions have adversely impacted my credit scores while also making it impossible for me to obtain lines or credit and housing. Their methods of account verification/validation have not been thorough as proven by the CFPB most recent suit against Experian. Please see attachments related to my issues with each company.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern while checking my most recent credit report, I noticed that credit card that i had paid off was not remove and some that was charged off where sold to some other company and where reactivated and put back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.

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 2025-01-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-09 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-09 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: PA

Complaint narrative:
I am filing this complaint to dispute a late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There are a total of 5 hard inquiries on my credit report that I did not initiate or give permission to run on my credit report. My father and I have the same name as he is a XXXX and I am a XXXX My father informed me that while he was in the process of getting a new vehicle, they somehow ran my name and social security number instead of his. How this happened I have no idea. All of these inquiries happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I have lived in XXXX XXXX for the last 5 years. I am asking for these hard inquiries to be removed from my report as my credit was ran without my consent or knowledge. These are the inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Global Lending Services LLC
State: NC

Complaint narrative:
There are a total of 5 hard inquiries on my credit report that I did not initiate or give permission to run on my credit report. My father and I have the same name as he is a XXXX, and I am a XXXX My father informed me that while he was in the process of getting a new vehicle, they somehow ran my name and social security number instead of his. How this happened I have no idea. All of these inquiries happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and I have lived in XXXX XXXX  for the last 5 years. I am asking for these hard inquiries to be removed from my report as my credit was ran without my consent or knowledge. These are the inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THIS ACCOUNT ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-09 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: WV

Complaint narrative:
I have submitted everything equifax has asked from me including my FTC report and I included all inquires and equifax told me I had to create a new FTC report with only equifax inquires included so again I am submitting another report to see if the information they have provided me is valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since XXXX, and have received wire transfer payments to my bank account once a month every month since then. All had been processed successfully until last month. The last successful transaction occurred on XXXX XXXX XXXX XXXX XXXX EUR XXXX XXXX XXXX posted to my bank account by XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I received the standard notification to my email that my remittance had been processed for this month ( XXXX EUR ). However, it never posted to my account. On XXXX XXXX, XXXX, I contacted XXXX Accounts Payable reference or tracking number. XXXX  provided the XXXX and XXXX payment information on XXXX XXXX, XXXX. I subsequently provided this information to my bank ( Citibank ) and have been provided conflicting information by multiple representatives as to the status of the funds, which appear to be stuck in a correspondent bank. 

On XXXX XXXX, XXXX, I received another notification to my email that my remittance for this month had been processed ( XXXX EUR ). This, too, has not been posted to my account. I have requested this XXXX as well and am awaiting that information. 

No one at Citibank has been able to provide me any definitive answer on why my payments are not showing up after successfully posting for the past 5+ years. None of my account information has changed. XXXX has provided the proof that payment has been sent and say they are attempting to recover the funds to resend them, but this has yet to be done.

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 2025-01-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report. 
I request that you : Investigate this matter in compliance with the FCRA. 
Provide documentation verifying the accuracy of this account or delete it from my credit report. 
ALSO, I REQUEST TO FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : 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 I DO NOT WISH TO HAVE MY PHONE NUMBER AND EMPLOYER LISTED ON MY REPORT. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, 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