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wesslen/cfpb-redaction-example.ipynb

Last active February 5, 2025 19:14
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complaints-sample.csv
Date received Product Sub-product Issue Sub-issue Consumer complaint narrative Company public response Company State ZIP code Tags Consumer consent provided? Submitted via Date sent to company Company response to consumer Timely response? Consumer disputed? Complaint ID
12/30/24 Credit reporting or other personal consumer reports Credit reporting Improper use of your report Credit inquiries on your report that you don't recognize To the Reviewer or XXXX XXXX, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX NA inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX inquired on the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine. Company has responded to the consumer and the CFPB and chooses not to provide a public response WELLS FARGO & COMPANY MA 02122 None Consent provided Web 12/30/24 Closed with explanation Yes N/A 11324552
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