vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There was a report on TransUnion from a company called " XXXX ''. It was a hard credit inquiry. I have never heard of XXXX, never given them any information, nor given them permission to run credit. When I reached out to XXXX, the automated message for the phone number said they were aware of unauthorized credit checks reporting on TransUnion. I was unable to speak to a representative to ask how they got my information. Since they must have illegally gotten my information and illegally run a credit check, I called TransUnion to to report the fraud and place a freeze. I was unable to report the fraud online through their system, and it eventually locked me out of my account. It took me awhile to get in contact with a person on the phone, at which point they unlocked my account. I was able to log back in but unable to place a credit freeze, they were unable to help me and eventually hung up on me after transferring me around to different people and asking me multiple times to verify the same information I had already verified. End result is that there are companies who illegally have my information and are using it for illegal purposes, and TransUnion is aware about this and not doing anything to solve it.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was denied and not approved of an account I opened

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 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-06-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-06-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am very angry and thoroughly disgusted with SPS!!! My current home mortgage is with SPS and recently a change was made to my account WITHOUT my request, consent or my knowledge. On XX/XX/2022, I received a letter from SPS, dated XX/XX/2022, congratulating my husband and I on a successful deferment for our XXXX payment. Issue # 1, myself, nor my husband EVER requested any type of assistance for COVID or anything else for that matter EVER since SPS has been servicing our loan. EVER. Once I received the letter on XX/XX/2022, I called in to SPS immediately, hoping that maybe it was some type of a clerical error. Unfortunately for us, it was not. I spoke to 3 different representatives, who ALL confirmed that they did not have any record of either myself or my husband calling in for any type of assistance and they were unsure as to why the request for the deferment was ever even approved if we didn't make the request. They admitted that they made a mistake even though no one could tell me how it happened. So we need to know why SPS allowed something like this to take place without the request or consent of either of us, the only 2 people listed on the mortgage!!!! The next issue that we have is that we are refinancing our home. It is scheduled to fund today ( XX/XX/2022 ), but when the mortgage broker tried to verify that our XXXX mortgage payment was made in XXXX, they are not able to confirm that because SPS is applying the payment that we made in XXXX for XXXX to XXXX 's payment. This poses a problem, because now it appears that there was no payment made for XXXX. Due to SPS ' error we are in jeopardy of losing our refinance!!!!!!!!!!!! I have requested to have this escalated with my phone call yesterday and it has not been rectified yet! 
There is no way that a deferment should have been approved on my account when neither of the account holders EVER requested or consented to this! That would appear to be some type of fraud to me. Since this was an error on the part of SPS, I would expect that this would be resolved expeditiously, but that doesn't seem to be the case!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: MI

Complaint narrative:
IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A HOME HEALTH CARE PROGRAM  IN XXXX XXXX DUE TO AN XXXX SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO 2 XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXX RECEIVABLE XXXX XXXX XXXX XXXX XXXX  {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE HOME HEALTH CARE ADDRESS IN XXXX XXXX, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

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. XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX 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 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 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 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-06-09 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.

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 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion XXXX XXXX XXXX is reporting incorrect balance amount on my credit card. Transunion is reporting i have a balance of {$220.00} but my account online states i have a {$0.00} balance.

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 2022-06-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-06-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also via phone on XX/XX/XXXX directly with TRANSUNION and they have not been removed. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2022-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a personal loan at onXXXX financial institution, after a few days I noticed many inquiries by different institutions in my credit reports that I did not authorize and were done without my prior written or verbal approval. This leads me to believe that my credit information was given to other agencies without my consent thus violating my rights as a consumer. The following unauthorized inquiries in my report are as follows, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CA

Complaint narrative:
I applied for a personal loan at one financial institution, after a few days I noticed many inquiries by different institutions in my credit reports that I did not authorize and were done without my prior written or verbal approval. This leads me to believe that my credit information was given to other agencies without my consent thus violating my rights as a consumer. The following unauthorized inquiries in my report are as follows, 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 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I was notified by my credit monitoring service that a debt collection was added to my report. This is for a debt owed to an energy/gas company based out XXXX, TX called XXXX XXXX XXXX XXXX I contacted the company who would not speak to me about this without me providing my social security number. I then contacted the debt collection agency, Credit Systems, who then told me I must file a police report and send it to them. I live in a rural area who does not file reports for out of town fraud. A XXXX, TX address is now listed on my credit report as one of my addresses. I have never lived outside of my small area in Alabama and the energy company listed does not provide any services in this area. I do not have any affiliations in Texas. I have never received a phone call or written notification about a debt that is now on my credit report of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your 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 2022-06-08 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: FL

Complaint narrative:
in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act -XXXX  XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation