vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: AZ

Complaint narrative:
Dear Experian, While reviewing my most recent credit report, I noticed multiple credit inquiries that I do not recognize or recall authorizing. Over the past few years, I have been impacted by numerous data breaches, and I am concerned these inquiries may be fraudulent. Thankfully, these inquiries are not attached to open accounts, but their presence on my credit report is highly concerning. 

I am formally requesting that you investigate the following inquiries and provide documentation demonstrating permissible purpose under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), for these companies to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX  XXXX XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 
XXXX XXXX XXXX | XXXX : I do not recall authorizing this inquiry. Please investigate and remove it from my credit report immediately. 

Under the FCRA, I am entitled to know the permissible purpose under which these companies accessed my credit report. I demand validation for each inquiry, including documentation bearing my signature, authorizing these entities to perform a credit inquiry. 

If these inquiries can not be validated or verified, I demand their immediate removal from my credit report to prevent further harm to my creditworthiness and privacy. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as required under the FCRA.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The amount is {$790.00} Original collector is XXXX  XXXX Sold to lvn funding Who sold to XXXX On XXXX XXXX I reached out to XXXX funding who informed me that my personal information didn't match in there system. 
The company informed me that the debt had been sold again to XXXX, I also reached out to XXXX in regards to the debt, this company marked the bebt as fraud, they informed me that they would be reaching out to Lvn funding to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is letting retailers read my secure financial information without any active permission on my part. If I have a card saved as a payment method at XXXX, and make a purchase in store at XXXX XXXX with that card, the purchase is logged on my online account. I never used my account information to make the purchase in store, the only link is my debit card. The XXXX has direct access to my private financial information that they should not have, and can only get if Capital One is directly sharing it with them. If Capital One is giving them this information, they could be giving even more personal information like income, credit score, SSN, all without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Requested information from companies from the attached accounts that are reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Requested information from companies from the attached accounts that are reporting on 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 2024-12-22 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: NC

Complaint narrative:
I am writing to disputed account on my credit report that were made without my consent. According to section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. i DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. 
PLEASE DELETE ACCOUNT I C SYSTEM ACCOUNT NUMBER 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 2024-12-23 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: NY

Complaint narrative:
Requesting TransUnion to delete or block XXXX of XXXX XXXX fraudulent accounts. As I have the right to request lawful entry listed in the Fair Credit Reporting Act. Thank you.

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 2024-12-23 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Application ID XXXX I applied for an XXXX XXXX XXXX XXXX card on an XXXX XXXX flight via my XXXX XXXX Phone Android Application, as instructed by the flight attendant, as Barclays is marketing heavily with XXXX XXXX to promote this credit card. 

To my surprise, and something that is misleading and makes no sense, the Barclays App asked for a one time passcode to confirm my identity after submitting the application, which was not possible in flight on Americans wifi app, as I can not receive SMS in flight due to airplane mode settings. I understand SMS phone verification is standard on a web credit card application for identity verification, but barclays should be aware that it not feasible in flight and customize this flow accordingly to not punish applicants with high decline rates. 
As a result, I received no update about this SMS failure from Barclays, I contacted Barclays who said my application triggered a fraud review due to failed SMS and required 3 forms of very sensitive document uploads, which i faxed 3 times, and have not heard any update from Barclays. 

My XXXX XXXX has been impacted significantly by this application and I would prefer to be approved for the card as resolution with promised XXXX sign up bonus offer, else at minimum if Barclays can not issue me the card which would upset me, my credit inquiries should be removed due to this application platform poor design at Barclays.

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 2024-12-22 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit 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 non-monetary relief
Consumer complaint received 2024-12-22 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
A destiny credit card was opened in my name and someone used the credit card in XXXX XXXX XXXXXXXX XX/XX/year>. I have never been to XXXX before I dont understand how this couldve happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
I am writing to disputed account on my credit report that were made without my consent. According to section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. i DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. 
PLEASE DELETE ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER 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 2024-12-23 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: GA

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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield & Associates has continued to report an alleged past-due medical debt, which would have originated almost XXXX  years ago in XXXX of 2013. Wakefield & Associates remains unable to provide proof of debt via an original creditor invoice, as I've requested this information on multiple documented occasions to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am constantly receiving calls from this company for a debt that does not belong to me. Company states account was opened in XXXX, XXXX. I never opened that account and I want this company to provide full proof of my wet signature that prove the account belongs to me. If for any reason this agency can not provide me with full proof this collection and/or debt must be removed from my credit and from all credit reporting agencies and bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 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 explanation
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report, and noticed i had a fraudulents accounts, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 



Type : XXXX XXXX XXXX  Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> Asset Amount : {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Exempt Amount : {$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 2024-12-22 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
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 2024-12-23 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: CO

Complaint narrative:
I was reviewing my credit reports and noticed and inquiry that I did not authorize : XXXX XXXX XX/XX/year>

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 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
XXXX Bank would not provide any documents that was requested so it was subpoenaed. Now the XXXX shows an electronic signature which is Identity theft as well as the date of the signature. The Esignature that allegedly is signed as XXXX XXXX says it was authorized on XX/XX/XXXX. The XXXX XXXX were opened in XXXX. This is evidence it should be accepted as fraud and Identity theft just like all the other accounts that were dismissed just recently. Also, Please provide your fraud investigation and the documents that was used to determine the denial of the fraud claim. The attachments will show that nothing was signed by myself, XXXX XXXX. Everything was electronic including the payments to the accounts. There's no evidence that links these XXXX accounts to myself

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX I was not aware that an authorized user lost their card and unauthorized charges were made. I disputed the charges and they were removed temporarily. I was not informed that the charges were placed back on the account and only noticed after XXXX late payments had already been issued on XX/XX/year> and XX/XX/year>. Once I noticed the late payments, I called the company and informed them I was not aware a payment was due and that I would still make the payments for the unauthorized charges even though they werent mine. Seeing that I never made a late payment ever and my account was in good standing, the late payments were reversed. However the late payments still show on my credit report. 

Also a credit report usually only shows the last XXXX  months of payment history, and It has now been more than XXXX  months since the late payments. Please remove.

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