vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the month of XXXX, I submitted a request to have detrimental items removed off my credit report. My student loans were moved to another servicer and the delinquencies are reported twice on my credit report. This is causing a negative impact on my FICO score. Additionally, some of the reporting is not accurate. There are accounts reporting on my credit report that has been surpassed the 7 years of reporting. These accounts should not be furnished on my consumer report as they are in violation under 15 US code 168c-2 and USC 1681 sec 602A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: MI

Complaint narrative:
XX/XX/2022 CIC credit ran my credit report without my permission. I need this turnover from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX NO LONGER EXIST AND WAS SOLD TO XXXX  XXXX XXXX XXXX. Consumer sent XXXX XXXX XXXX XXXX a letter and it was returned [ Exhibit 1 ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report my information and Consumer did not authorize anyone employed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have been railroaded by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

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

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I noticed four charges : XX/XX/22 EXXXX  {$800.00} XX/XX/22 XXXX XXXX {$560.00} XX/XX/22 XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX {$490.00} XXXX didn't recognize and I didn't make. I immediately notified my bank, Current, and they said it looked like someone had made the charge using my debit card numbers. They helped me file a dispute and said the funds would be back in my account within 10 days, as panicked I let them know that was a lot of money to me. I also informed them I'd been a victim of bad identity theft and had gotten multiple alerts recently. I never received my funds back, instead all I got was an email on XX/XX/22 saying no error occurred and no credit would be issued. I was sickened they could come to this conclusion. They said I could request the documents or written explanation used in determining the final outcome of the investigation. I made this request immediately but never heard anything from Current. I want Current to put the funds from these four charges I didn't make back in my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with XXXX numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by XXXX 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with XXXX numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by XXXX 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has violated my rights. 

15. U.S.C 1681 section 602 A. State 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 account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has violated my rights. 

15. U.S.C 1681 section 602 A. State 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 account without my written instruction

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I input a complaint thru CFPB in regards to Selene Finance Company adjusting payments made to my mortgage that have not been applied. I opened a previous case regarding this issue and received a letter from the company stating that the payments will be adjusted in 60 days, that was in XX/XX/2022. Since I have not heard from them so I called and was told that they have not adjusted the payments and didn't see any notation of doing so, but that I am now in Foreclosure. The previous case number is XXXX. Selene has not responded. This is an update for case XXXX which was closed on XXXX XXXX XXXX. Please see attached correspondence to Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Original Credit Card Company, XXXX XXXXXXXX, has removed debt off of credit report due to being expired according Statue of limitations law in Illinois. Midland Credit Management has unlawfully used tactics to contact me and threaten me to pay a debt that has expired through the original creditor. Company has violated the statue of limitations, violated the fair credit reporting act, and violated Fair debt collections practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My checking account was illegally accessed on XX/XX/2022 and a wire transfer of {$9100.00} plus a wire transfer fee of {$20.00} was taken without my permission. I spoke with USAA that day and was assured that the money would be returned to my account mostly likely by the end of the day of on the XXXX at the latest. It was not done, I called USAA on XX/XX/XXXX, was again assured that the money would be returned to my account by the end of THAT day. On XX/XX/XXXX I called and was informed that they had called XXXX  XXXX XXXX ( the receiving bank of this transfer ) and requested the money back and was told no, so I will not be getting my money back. I contacted my local law enforcement and filed a report ( XXXX XXXX XXXX XXXX in Colorado ), I spoke with several friends of mine who work in banking in various positions and got advice on how to proceed. 

USAA never froze my bank account to prevent this from occurring again, they never advised me to file a police report, they never advised me to freeze my credit reports with XXXX, XXXX and XXXX ' their only advise was to change my security questions and password. 

I called USAA again on XX/XX/XXXX and was told that my case was in the Fraud Department and they would put in a " front door request '' to have the fraud department call me with a status on when the money would be returned to my account. They said that I would have a callback with in 24 to 48 hours. I waited 72 hours and called again on XX/XX/XXXX to be told there is no update, but they could escalate my request for a callback and status. I advised them that I would be filing complaints with FICA, Consumer Financial Protection Bureau, XXXX XXXX XXXX and any other agency I think may be able to help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXquiry date XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX date XX/XX/202XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX OF XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 EXPERIAN - XXXXXXXX XXXXXXXX XXXX Inquiry date XX/XX/20XXXX 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