vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: SC

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

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-10-31 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: SC

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

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-10-31 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: MD

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2024-10-31 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: CA

Complaint narrative:
Request for Documentation Regarding Late Payment Reporting for Account [ Account Name/Number ] XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request documentation regarding a late payment reported on my credit report for the account referenced above. I believe there may be an error in this reporting, and I seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific legal procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the due date of the payment. This notice should include an attached form as prescribed by 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment. 

To ensure my rights have been respected and the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing. 

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions. 

If you are unable to provide this documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law. 

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will have no choice but to pursue further action to ensure my credit report is accurate and my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-10-31 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: WY

Complaint narrative:
On XX/XX/year> I sent dispute letters to XXXX transunion and XXXX regarding inaccurate and unknown things on my credit report, also I attached an ftc report # XXXX it's been over 60 days and I still have no response to these inaccurate/fraudulent accounts being reported.i informed them that Im a victim of identity theft and to remove the following accounts ( 1. ) self account # XXXX balance of {$170.00} ( XXXX. ) grain account # # XXXX balance of {$63.00} ( # 3 ) .opensky acount # XXXX balance of {$1400.00} ( 4. ) XXXX XXXX  account # XXXX balance of {$26000.00} and iqdata international account # iqdonxxxxxxxxxx balance of {$5300.00} its been over 60 days and they are stil reporting these aforementioned accounts.i am attaching the ftc report as well as the identity theft Affidavit.

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 2024-10-31 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-31 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:
To remove any old or duplicate addresses from my report : Current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Remove non-mailable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My current phone number is XXXX, Remove old phone numbers. Remove Inquiries : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX  : All dates. All reported late payments XXXX XXXX XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX  : XX/XX/XXXX XXXX 

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' As Transunion, XXXX, and XXXX are consumer reporting agencies, and I am the consumer, I have the right to ensure my private information is not disclosed. This is further supported by 15 USC 6801, which establishes that financial institutions have a duty to respect customer privacy and protect the security and confidentiality of nonpublic personal information. Under 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies can only provide a consumer report " in accordance with the written instructions of the consumer to whom it relates. '' I have not given Transunion, XXXX, XXXX, or any information furnishers my consentverbal, non-verbal, written, or impliedto disclose my information, and I hereby revoke any such consent.

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless I as the consumer is given a clear explanation of how to opt out of disclosure. I was not informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) states that " no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions, that predates the report by more than seven years. '' This account is an adverse item that is being reported without my permission.

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 2024-10-31 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: TX

Complaint narrative:
XX/XX/year> I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report : Account : XXXX XXXX Account # : XXXX The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX, XXXX Fair Credit Reporting Act [ XXXX USC XXXX ( XXXX ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX USC XXXX ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card

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 2024-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am filing a formal complaint against PayPal regarding the freezing of my account without any notice or explanation. Upon discovering the freeze, I attempted to reach out to PayPal for clarification. Despite repeated inquiries, I have received no clear response about the reason for the freeze, nor have I been able to access my account to gather further information or address any potential issues. 

I request your assistance to investigate this matter and ensure that PayPal provides transparent communication regarding the actions taken on my account and an accessible path for resolving this issue. 

Thank you for your attention to this matter. 

As of XX/XX/year>, PayPal has disclosed that they have over XXXX in my account, however refuse to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect ; which this account was fully settled on XX/XX/XXXX. According, to my records the information you are reporting on this account is inaccurate. I demand that you remove all information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that all items be investigated and deleted from my credit report. In the event you fail to verify this data, or fail to respond to my request altogether, the disputed data must be deleted in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: SC

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 con nection therewith. 

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

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-10-31 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: MD

Complaint narrative:
I am requesting your help with the account inaccurately listed on my credit report. This issue has damaged my reputation as a customer, and I need your assistance. I would like these accounts to be removed as they are both false and damaging.

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 2024-10-31 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: MD

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Amazon has said multiple times they are reporting my card information to XXXX which they are not. XXXX just confirmed via the attached proof that Amazon is not reporting to them.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX restricted my cards because someone paid the balance off on both of my credit cards without my knowledge of who it was they wanted me to submit a bank statement to prove it was not me but the card that paid the bill off in full was not mines I do not have an account with that bank after not being able to submit that statement they returned the balances back to my credit cards and close my account my accounts were in good standing at my venture card was {$2800.00} and my quick silver was {$2500.00} is what was paid off and than returned back to the original balances I tired to explain to the fraud department but nothing happen I called them everyday for XXXX weeks and they were still asking for a statement from me and I kept telling them I do not have a statement that is not my account they also tried to charge cell phones at XXXX but the card was declined this all happen in XX/XX/year> and they paid my cell phone bill for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
This company still has inaccurate information on my credit file! This information needs to be deleted because it's a clear violation of my consumer rights. How did they conduct a proper investigation but still have multiple inaccurate accounts on my credit file! If you don't delete this I will speak to my local attorney general about deformation, and compensation for violating my rights or simply delete the inaccurate information I pointed out!

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 2024-10-31 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: PA

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date.

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