vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
XXXX, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating 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 non-monetary relief
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I have identified unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
MOHELA initiated a pause on student loan payments last fall from XXXX to XXXX, with payments resuming in XXXX. They failed to notify me that my account would be placed in forbearance during this time, until XXXX when payments were set to resume. Within that communication, it stated that all payments made during those months would count towards my PSLF payment count. They failed to count XXXX 's payment. It has only now been corrected. This has been an ongoing problem with them. They have failed to notify me on the changes to my account within a timely manner, and have been miss counting my PSLF payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: AZ

Complaint narrative:
I looked at my credit report XX/XX/XXXX I noticed some things that are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter to Transunion asking them to reinvestigate the completeness and accuracy of my accounts below, XX/XX/XXXXXXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XX/XX/XXXXXXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )XX/XX/XXXXl XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XX/XX/XXXXl XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not 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 non-monetary relief
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting 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:
Subject : Complaint Regarding Inaccessible Credit Report from Experian To Whom It May Concern, I am writing to file a formal complaint regarding Experian 's failure to provide access to my credit report and score to legitimate creditors. 

On XX/XX/2024, I contacted Experian to inquire why my credit report and score are not accessible to creditors. I pay for Experian 's premium service, which should ensure that my credit information is readily available to authorized parties. During the call, I spoke with an Experian representative and asked for a specific reason for this issue. Unfortunately, the representative was unable to assist me and transferred my call to a supervisor. During the transfer, the call was dropped. 

Additionally, I was informed that it would take XXXX to 5 days to resolve the issue, which is an unacceptable delay given the urgency of the matter. When I requested to be connected to the technical team to expedite the resolution, my request was denied. The representative also mentioned that only my account was affected but refused to explain why. 

I am extremely concerned that creditors can not access my credit report, as this XXXX adversely affect my ability to obtain credit. I have not placed a security freeze or fraud alert on my account, and there should be no legitimate reason for this restriction. 

I request that the CFPB investigate this matter and ensure that Experian provides a clear and accurate explanation for why my credit report and score are inaccessible to creditors. Additionally, I would like assurance that this issue will be resolved promptly to prevent any further negative impact on my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2024-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 
I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-28 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX has been reporting nonpublic personal information such as transaction history and much more to third-party non-affiliate companies including Early Warning Services , XXXX XXXX XXXX XXXX XXXX, and XXXX. Without my written or verbal consent or any notification prior to doing so. This is a violation of my privacy under the Privacy Act of 1974 and 15 USC 6802-6805.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied Citi Premier but was converted to Strata Premier WITHOUT authorization. 
The existing welcome offer of Strata Premier is XXXX and they should honor me the same offer if they changed my account to Strata. 

Contacted Citi and they asked me the send email to XXXX for offer match, but I never hear anything back from the merchant. 

In this case, its a SCAM from Citi, they changed my account initially applied without authorizations.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
{$420.00} was withdrawn from my account through an external member-to-member transfer to XXXX XXXX. I did not authorize this withdrawal. I sold the company to XXXX XXXX and XXXX XXXX on XX/XX/year>, and I am no longer associated with XXXX XXXX. The funds should be returned to my account immediately, and I should not be linked to this organization or any lines of credit they have. As of the sale date, I was removed from the business account, and there is no reason for me to be connected to any credit lines associated with the business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year> set up Experian acct. due to XXXX data breach. They are supposed to notify me of any incidences. Have never received anything from them.. 
On XX/XX/year> received a supposed call from a " XXXX XXXX '' - 2 very bad phone calls wih phone # s that don't answer if you call back. Telling me about a XXXX card I had applied for in XXXX (??? ) and that had charged over {$2000.00} on it -- latest of which was $ XXXX XXXX XXXX (??? ). I took a name and phone # ( the XXXX # " answers as a XXXXXXXX XXXX  '' but wants a credit card # right away???? ) I called the phone # I had from opening up the Experian account, but they were only XXXX  people. They gave me a supposed Experian phone # to help -BUT IT'S IMPOSSIBLE TO SPEAK TO ANYONE -- ONLY GET SOME NONSENSICAL " PRESS THIS + PRESS THAT ''. I need to talk to someone about what's going on and how useless this Experian thing is if I have to notify them of a problem instead of them notifying me???? 
PLEASE 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 2024-05-28 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:
XXXX, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating the FCRA ,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I get calls from Portfolio Recovery almost every day. I do not have any debts in collection. My credit file does not show any disputes. This company has no reason to continue calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
I am not liable for this debt with I.Q. data International , inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX have never agreed nor signed of nature any agreement with this company. I want proof of a wet signature signed document between myself and I.Q. data International , inc. or immediate deletion from my Credit Report. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. I.Q. data International , inc. May or may not have a license to collect in any state and they are violating my rights going outside their jurisdiction for false debts owed. 

I do not recall and blatantly convinced this is not mine. I havent consented, partnered, or willingly engaged into any business dealings knowingly or unknowingly with I.Q. data International , inc. I will be filing another complaint with the CFPB & FCRA for violating my constitutional rights under pursuant to 15 USC 1681 ( b ) ( I ), 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) & lastly I do not consent to this under 1 UCC 308.

Therefore, I request a signed agreement or an original application, not copies of invoices, but a document of substance, to validate their claim that I knowingly entered into an agreement with them with my signature. 

This company practices illegal debt collecting tactics. And refused my rights under the colour of the constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
According to

15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have an account with Venmo pay service. I started with a personal account and I used it to sell goods and services to my customers and my account kept getting suspended etc. so I created a business account with Venmo to help with When my customers sent me money, Venmo blocked my account, seized the money that was sent and sent an email saying that I somehow violated their community standards which I did not violate anything. When I contacted them to find out why I wasnt able to transfer my money over to my personal account or even add my bank information to my Venmo account so I could do a standard direct deposit. I asked them what the problem was and they escalated the problem to the higher ups and the department. Somehow they claim I violated user agreements, which I did no such thing I have tons of proof that they are Violating their own terms and illegally holding money from myself and my customers because now my customers cant even get their money back or issue a refund and claim that any money would be resolved within 180 days which is unacceptable in my book

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Social XXXX on experian the late payment from selene finance supposed to be removed from my account XXXX i sent documentation to experian lettered head from XXXX XXXX dated XXXX XXXX and XX/XX/XXXX and XXXX XXXXXXXX to removed lates payments

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 2024-05-28 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: NJ

Complaint narrative:
I reviewed my consumer reports in XX/XX/XXXX and noticed ( 2 ) XXXX XXXXXXXX account I did not give authorization and I also noticed multiple inaccuracies. The consumer reporting agencies have a responsibility to report consumer information to be accurate. I provided the certified mailing tracking documents and the credit report showing multiple inaccuracies- date opened has different dates, high credit has different amounts, date of last activity as well XXXX date of last payment. 15 USC 1681 eb states credit reporting agencies must be compliant shall maintain reasonable procedures designed to avoid violations and consumer report must be accurate or the account shall be deleted/removed. As you can see I also attached a recent report dates XX/XX/XXXX and the information- credit reports still have MULTIPLE INACCURACIES. PLEASE REMOVE THESE ( 2 ) XXXX XXXXXXXX ACCOUNTS. I attached my passport and utility bill.

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