vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
SoFi Lending Corp. placed hard/visible inquiries on my XXXX report XXXX times for the permissible purpose of " collections. '' I have never had any past due bills with SoFi nor have I ever been in collections. Some of these inquiries occurred after I had closed and paid in full all accounts with the company, so there was definitely no permissible use. 

I recently applied for auto insurance and received very high quotes. I received an adverse action letter from at least XXXX insurance company XXXX XXXX XXXX and XXXX XXXX ) advising that I was quoted a higher premium due to my XXXX consumer report. XXXX of the reason codes provided was " Number of Inquiries for Transactions Initiated by Consumer in Last 6 Months. '' All of the visible inquiries in the last 6 months are from SoFi. 

Therefore, I believe that the unauthorized use of my consumer report caused me to pay a higher price for insurance. Furthermore, obtaining my consumer report after all business was closed and paid in full violated my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following accounts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor 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 2024-04-05 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: CA

Complaint narrative:
I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following accounts. 
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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
The first time I I challenged 2 accounts a few years ago I told them my information on my credit report was incorrect I also contacted specific lenders such as dep of education that my information was wrong. The only information that matches on my 3 credit reports is my birthday Incorrect items include My name My address including a past address I never lived. 
My employers do not match Number of total accounts don't match Number of open accounts do not match Number of closed accounts don't match Number of delinquent accounts don't match Derogatory accounts don't match Balance owed does not match Payment amounts don't match Inquires don't match Even accounts I have paid off don't match I am truly shocked after looking at my credit reports and seeing the lack of care and attention my credit reporting has gotten. Many of this inaccuracies has cost me to not be able to buy a house and other things to better my business. I believe please remove the inconsistent accounts on my report including department of education and Navient as these accounts are not correct. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I viewed my credit report on XXXX XXXX  and I have a medical bill being reported I believe that is a HIPPA violation. Send all three agencies a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I filed a dispute for {$5600.00} in XXXX with citizens bank, there was multiple transactions at a time being withdrawal from my account by a company I used to do business with. I explained to the people on phone that during that time I was in surgery for XXXX XXXX XXXX and was out for couple days. I told them I had proof and dates and times. I also contacted the company that took the money they told me to contact my bank to resolve the issue. Which I did. Multiple times. Ive been with citizens for awhile now. Im a single father, I havent been able to pay no bills with my card because my account is now in the negatives. Never in my life have I ever had to file a dispute with any bank. Now that fraud was in my account I cant get my money back when I told I wouldve been covered for it. Im asking for help from you to please get my funds back. Ive been nothing but honest and been working with the company citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-04-05 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:
Dear Credit reporting agency 's, XX/XX/XXXX In accordance with the provisions outlined in 1692g of the Fair Credit Reporting Act, and Title 5 U.S. Code 552a, I am formally requesting the Method of Verification for the following disputed account ( s ) associated with XXXX XXXX : XXXX XXXX  - Account number : XXXX This request is made under the guidelines specified in the Fair Credit Reporting Act 611 ( a ) ( 7 ). It is important to note that this is not a reinvestigation of a prior dispute, but rather a request for a Method of Verification to ascertain the accuracy and validity of the mentioned account ( s ). 

Kindly provide the following details and documentation : Original creditor : XXXX XXXX XXXX  Address and telephone number of the creditor. 
Name of the individual responsible for verifying the dispute. 
Documentation utilized to verify the dispute. 
Signed contract or documents bearing my signature. 

Please be aware that under Title 5 U.S. Code 552a, known as the Privacy Act of 1974, regulations governing the maintenance of records on individuals apply, irrespective of whether this is a government agency. This ensures that any actions taken regarding my disputed account ( s ) align with the stipulations set forth in this law.

Should you encounter any difficulties in furnishing the aforementioned information promptly, I request that the disputed account be promptly removed from my credit report to mitigate any further adverse effects. 

Best Regards, XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved

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 2024-04-05 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
in XXXX before changes in my insurance and tax info was available to either Carrington or myself Carrington increased by monthly escrow and therefore my monthly mortgage payments by more than {$300.00} per month. However my taxes and insurance have only increased by a much smaller amount than this increase. I complained to Carrington and then to the XXXX  the XXXX  replied that the increase was justified. The response from Carrington was that under federal law they were permitted to to take the action they took and sent a thoroughly confusing and very difficult to understand. Previously a couple years ago Carrington did the same thing, and the current increase is over the first increase. They sent me offers to renew my mortgage at a higher rate of interest, and it looks as if this is remorse because I still have the original low rate of interest on my mortgage from when the mortgage was first negotiated with XXXX XXXX XXXX.IN XXXX My monthly mortgage payment was XXXX, then in XXXX it slightly increased to {$1100.00}, and the new rate I started paying that I was suddenly charged is {$1400.00} XXXX  The current Annual premum from XXXX XXXXXXXXXXXX XXXX XXXX  is XXXX, and the Premium  for XXXX is {$760.00} ... I dont have the exact figure for my taxes for the year but it is around {$750.00}. But the increase monthly in my escrow by the end of the year will exceed double the total of my total for insurance and taxes. I don't have the exact info handy for the original monthly premium that I was being charge when the Mortgage began however it was approximately {$1000.00} ..and if you need exact figures on how the mortgage plus escrow has increase I will try to find all my files and send that info to you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CO

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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 explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-04-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-04-05 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2024, I received a fake check which I deposited before I realized it was a fraud. I emailed my bank personal but they havent responded nor took actions I described to stop the check from processing. I want to do anything because my account is on the verge of closing soon if I dont contact my bank.it was {$1900.00} on the fake check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following accounts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor 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 explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MN

Complaint narrative:
Today I received a statement from US Bank concerning an account being closed on XX/XX/2024. I then called the help line for US bank and they stated the account was opened on XX/XX/2024. I informed them I did not have any knowledge of this account. They made note of this. They also informed me to freeze my credit and file this report. It is strange because there was no money transacted during the 8 day period that the account was open. I had no knowledge of this 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 non-monetary relief
Consumer complaint received 2024-04-05 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:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please delete the accounts below : 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