vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is giving lenders XXXX different scores internally. This is a major violation how is it I see a XXXX and they get a XXXX? XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  which I never sent anything to sent me the attached today. I am including the score I see either way they both are incorrect and the phone number is on their site to call them because you can not dispute credit pulls online why? 

Experian Also has only one report for a dispute and I have been sending disputes in since XX/XX/XXXX and they have nothing including attachments. Nobody answers phones there, it is only a bot that sends you in circles for hours and hangs up. All my pulls from Experian are frauds that I have reported they have NO RECORDS of them and when I inquired about why XXXX scores they told me " Call a Licensed Credit Advisor they will address your problem we get our numbers from them and we do not know why they tell us the numbers they do. '' So they don't know why and can not change scores or why they are the way they are and lost all these documents for 6 months I have been sending them? 

I need a loan and can not get one I have been trying since XXXX in improve my score so I can get a loan, but i don ; t need a report to tell me that my score needs to be higher and I can not get any credit because my score is too low so my only hope is to get these violations removed to get my score up again and then get a card and a loan, but un 6 months I have not sse them fix one thing and this is XXXX  up my life and it is their reports my credit was fine. 

they want another 60 days which is 6 months and they have done nothing and the one that was supposed to be gone in XXXX. Experian the XXXX number sent me to the first human I could ever talk to at Experian who said they cant do anything.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of XXXX XXXX XXXX  under 22 U.S.C. {$7100.00} ( 11 ) or XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.

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 2024-09-04 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: NC

Complaint narrative:
I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of XXXX XXXX XXXX under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MortgagePros, LLC
State: CA

Complaint narrative:
I have contacted MortgagePros several times via email, requesting the cancellation of my loan application. However, despite my repeated attempts, the company has not responded and has continued to conduct multiple credit inquiries on my account without my consent.

I kindly ask that this matter be addressed immediately, and that all further inquiries be ceased. Additionally, I request that MortagagePros connect with the relevant credit bureaus to remove any unauthorized credit inquiries made by MortagagePos.

I want them to confirm the request to removed inquiries on credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I called Jefferson Capitol LLC that shows on my credit report in collections. I ask the Rep to please show me how this debt belongs to me. I also told him that I may be a victim of identity theft or someone is using my social security number for a debt that is not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I, XXXX XXXX XXXX, has a plenty of credit card, and i pay all my cards on due date on time, has a XXXX  late fee my score was XXXX, but sometimes my score is over 850 in some scores. I opened a card with bank of america on XXXX and did a transfer balance. first of all when i receive each card, i register online, add my bank account and check auto payment always this way. 
with bank of america they took a payment from my bank account as auto payment for three months the fourth month i paid all the balance. on XXXX i used the card, assuming has my auto and bank account. notice in my email, that there is a balance past due, first i really thought a scam so i can open that site, but also i entered the site from XXXX and noticed i really have a past due a late fee. thats upset me when i didnt find my bank account. i called bank of america, asked where is auto payment or also my bank account info. she said its not there. I saw in that site all my statement from XXXX, and asked her to look that the payment was drafting at certain amount every month. so where is my info. she maybe offended from my tune I was really upset. I told her i, m XXXX XXXX XXXX XXXX XXXX and i really honest person pay all my accounts on time. and she said its over 2 months we cant do anything this will affect ur credit score. i paid whole balance and gave her my account info. then i hangup. after one week i called a bank of america and they told me i can made a dispute for my score. and they told me i closed my card. i couldnt believe that. i answered i called but i dont remember i asked for closing my account, and i dont recall, yes i was upset and maybe rude with the lady, but its online problem not human. i reused after 4 years my card again and maybe they deleted my info. but defiantly didnt close my account of XXXX limit will hurt me as the late fee. 
i, m not happy bank of america, hurt my score and closed my account, and blaming me i asked for that. thank and XXXX knows i tell the truth. all i want to cancel late payment and get me where i was before. it wasnt my fault. thanks 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 monetary relief
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
Had XXXX XXXX for years. Bought something for {$18.00}. They on their own, said they decided to send bill electronically. Never got. Saw my XXXX drop from XXXX to XXXX so called to find out why and was told about XXXX. Called XXXX and complained. They dropped late fee and I paid the {$18.00}. They refused to take the delinquent notice off my credit report. 
Contacted credit report companies and was told XXXX had to do it. Given the run around for a year. I want the bureaus ( 3 ) to take this fraudulent info off so my credit report reflects the truth.

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 2024-09-04 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: PR

Complaint narrative:
After checking my Consumer Report and viewing my Credit Score. I find EQUIFAX is violating my rights as a consumer by reporting late payments on my Consumer Report.

I am making the following complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a and 15 US CODE 6802. A line item listed on my consumer file as LATE PAYMENTS 30 day past due, 60 day past due Your company EQUIFAX is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for EQUIFAX to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX XXXX XXXX ( The person making the report ). However, XXXX XXXX XXXX XXXX ( The Person making the report ) has reported to EQUIFAX my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from FIRST PREMIER reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as LATE PAYMENTS with XXXX XXXX from my Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Fraud on credit accpatance they put the cash down payment of XXXX dollars with my credit and i never put a cash down payment you can not put cash down payment with my credit and i never put a cash downpayment there for the contract is void and null and it was sent to irs as i have a debt and we are in the 1933 emergency banking act so they broke the the law i want my car back and all of the money asap and all fines

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 2024-09-04 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
This item was paid and removed years ago. XXXX XX/XX/year>, is over 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO
State: MA

Complaint narrative:
This is referent the complaint # XXXX Since my Claim was denied again I want evidence of the XXXX, ATM, all the footage closest to the ATM, I also want footage that should provide the ATM Photo/video of me doing that transaction. SInce XXXX XXXX XXXX ( XXXX month ago ) I have been saying the same, It wasn't me, I didn't recognize those transactions. I was victim of identity theft. 


They ( XXXX  ) also have articles regarding this kind of frauds in their page. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want a solid evidence with the proof of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX - XXXX 7. XXXX - XXXX 8. XXXX - XXXX 1. XXXX XXXX  - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: OH

Complaint narrative:
I am requesting a pin from XXXX XXXX, Transunion, XXXX, XXXX, i have a had some fraudulent activity on my credit report and want to protect my 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 2024-09-04 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:
I am requesting a pin from XXXX XXXX, XXXX, Experian, XXXX, i have a had some fraudulent activity on my credit report and want to protect my 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 2024-09-04 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: MD

Complaint narrative:
On XX/XX/XXXX, I received a notification about an inquiry with TransUnion. Upon investigating, I discovered XXXX inquiries that were made without my permission, per 15 USC 1681b ( a ) ( 2 ). I immediately contacted TransUnion to dispute these unauthorized inquiries and I was informed to complete this form. 

Case # 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I received two debit cards At my XXXX XXXX with my name on it I dont know the exact date, but I only check my XXXX XXXX  frequently every few months when I contact the bank, the bank notice me that the accounts were close I recently tried to apply for a account with this bank and was denied. I got a copy of my XXXX report and it indicated that someone had opened up an account and sent it to my old address and it was sent to my XXXX XXXX I do not authorize, these two accounts open up on XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with explanation