vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-04-27 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.

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXXXXXX 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 Title 15 U.S.C 1681 FCRA Need these inquiries Removed ASAP in 15 Days and a credit report. Federal Law States that you have 30 days to complete your re investigation. Be advised that the description of the procedure used to determine the accuracy and completion is 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all 3 credit profiles XXXX Equifax XXXX you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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.

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i recently reviewed a copy of my credit report and notices had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a XXXX $ per day spending limit, my account keeps getting declined when trying to purchase and withdrawl funds and I have calculated XXXX $ spent in XXXX hours I called chime they told me I have spent XXXX $ in the past XXXX hours saying I have XXXX $ available for my XXXX  limit. My card still continues to decline for small transactions. No help from customer support saying I just need to wait it out. It doesnt make sense as I have not hit my daily limit. And am now stranded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-04-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
myEquifax Not only refused to remove XXXX from My Credit Report after Months of Disputing this Company 's Allegations but my Equifax claims >>> We have researched the credit account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : DEPT OF ED, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX... And they put The Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX I DON'T LIVE THERE I NEVER AGREED TO PAY XXXX XXXX XXXX Hasn't Taken XXXX off of my credit report either After Months of Disputing This but XXXX Has and so These other XXXX credit Reporting Agencies Need To Remove Immediately and Not Allow XXXX Back on any of My Credit Reports... Just because they have my name e-mail passed addresses social security numbers ect doesn't mean they had any agreement with me and they refused to send me the agreement they Alleged that I signed with them they posted my address on the CFPB letter yet they sent the letter to addresses they Know I Don't live at this is what makes it another Breach of My Information I don't know who lives at that address or how they will use the information in How XXXX Plans to Use the No Response to their benefit even when I have a CFPB but I do Know that I didn't verify my information with any myEQuifax XXXX or XXXX or CFPB accounts to be used in this way Of Course I'm who I Am but I Never Did What XXXX Says I did and They WON'T Sign Their Own Paper Work So I Don't Even Trust This Company and When They Send My Information To Multiple Addresses knowing they won't get any response there They Also Cause The People Who Live or Own Those Addresses Issues because then those people may end up having to go through eviction process to prevent me or anyone with my name from staying there even when we already don't stay there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.

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 2024-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. Kindly remove them immediately from any association with my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: OH

Complaint narrative:
This marks my initial attempt to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my document resulting from this crime. These entries pertain to transactions that neither involve nor reflect any purchases, services, or monetary authorizations on my part. If indifference reigns, I request the removal of any significant information stemming from an alleged fraudulent or extortionate activity in my credit record. 
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 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 2024-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The calls from the phone number XXXX started on XX/XX/2024 from a number I did not recognize and there was no voice-mail left. From that day on I have recieved 30 calls in a course of a week starting from XX/XX/XXXX and the last call I got from this number was on XX/XX/2024. No voice-mail from any of the calls were left so I blocked the number since I was getting about 5 calls a day and that is not including all the other numbers they have attempted to call me from. what I have gathered upon further investigation that this was from my loan company Westlake financial. This has been a constant issue with them even after I speak with them as the calls would still continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
My name is XXXX XXXX, and I have been a loyal customer of Woodforest National Bank for over 12 years. I am reaching out to you today because I am deeply concerned about the recent denials of my loan applications and lines of credit. Despite my long-standing relationship with Woodforest and my impeccable credit history, I have encountered repeated difficulties in obtaining personal and business loans and lines of credit from your institution. Most recently, my applications for the Executive line of credit and the Business revolving line of credit were denied without explanation. As a customer with well over XXXX figures and an exceptional credit profile, including personal credit scores ranging from XXXX to XXXX, and a business credit score of XXXX out of XXXX, I find it perplexing and disheartening to be repeatedly denied credit opportunities from Woodforest. I have never exceeded my credit limits on any credit cards I have with other institutions, and all my payments are made on time as my credit report will show. Given my financial stability and creditworthiness, I can not help but wonder if these denials may be rooted in discrimination. Your institution has full disclosure to view my statements and bank account being that I bank with you, so I am confused. I am confident that my qualifications far exceed the requirements for the requested lines of credit, and I am committed to working with you to address any concerns or issues that may be hindering my access to credit. I am eager to discuss this matter further and explore potential solutions that would allow me to continue my banking relationship with Woodforest National Bank. I am willing to provide additional documentation, undergo further review, or explore alternative options to demonstrate my ability to manage credit responsibly. Please consider this as an urgent request for a thorough review of my loan denials and an investigation into any potential discriminatory practices. I am hopeful that we can find a resolution that is mutually beneficial and preserves our longstanding relationship. I can be reached directly at XXXX, and I have attached copies of my personal and business credit reports for your reference. I am interested in a line of credit between XXXX for my business. Thank you for your attention to this matter, and I look forward to your prompt 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