vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: MD

Complaint narrative:
I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

Sincerely, 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 2024-01-22 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: MD

Complaint narrative:
I am writing to express my dissatisfaction and concern regarding unauthorized hard inquiries made on my credit report by your company. I recently discovered that my credit report reflects inquiries f without my explicit consent. 

The unauthorized hard inquiries have raised significant concerns for me, as I value the privacy and security of my financial information. I am well-aware of the potential impact these inquiries can have on my credit score and overall creditworthiness. 

Details of the unauthorized hard inquiries are as follows : XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX I have not engaged in any transactions or agreements with your company that would warrant a hard inquiry on my credit report. It is essential to highlight that such inquiries were conducted without my explicit authorization, violating standard protocol and ethical business practices. 

I request immediate action to rectify this matter, including the removal of these unauthorized hard inquiries from my credit report. 

I understand the importance of credit inquiries for legitimate purposes, but the lack of transparency and authorization in this case is unacceptable. I trust that you will address this matter promptly and take the necessary steps to ensure that such incidents do not occur in the future. 

I appreciate your immediate attention to this matter. 

Sincerely, 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-01-22 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: CA

Complaint narrative:
On XX/XX/2023, I received an alert from all three credit reporting agencies that a hard inquiry from XXXX XXXX XXXX XXXX had been placed on my account. This hard inquiry was fraudulent, and I never applied for any home loan because I am a XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, and they informed me that they would stop the application and investigate it. XXXX later informed me that the application submitted was fraudulent, and they would have all three credit reporting agencies remove the hard inquiry and send me a letter. I called XXXX fraud department at XXXX on XXXX occasions, informing them that TransUnion and XXXX were refusing to remove the XXXX inquiry. They informed me that they would send another XXXX requests to both agencies, but only XXXX removed the inquiry in XX/XX/2023. I also called TransUnion and XXXX on several occasions, and they informed me that they wouldn't remove it even though the copy of the letter I got from XXXX to show proof wasn't enough. They told me that they never received a request from XXXX XXXX XXXX XXXX to remove the hard inquiry. XXXX XXXX XXXX has been very helpful in this case, but TransUnion and XXXX have credited a hardship preventing me from getting a commercial business loan for a contract I was supposed to get.

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 2024-01-22 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: EQUIFAX, INC.
State: NJ

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 XXXX Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have been paying them monthly and emailed them asking how much is left. No response or monthly statements of balance. I dont have dates of when this started which is why I want to know and they dont seem to care. I spoke to them on the phone ( dont recall ) after receiving a letter ( dont recall ) stating they ( XXXX XXXX XXXX  ) are the collection agency for a XXXX XXXX credit card. I told them sure Ill pay my debt but they wanted more than I was able. So they said they could not formally agree but I could make payments in good faith. So I began paying and even raised it to XXXX XXXX/mo. I just now lowered to {$100.00} because they wont tell me where the balance stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
Identity Theft and Financial Fraud Report I, XXXX XXXX XXXX XXXX, residing at XXXXXXXX XXXX XXXX XXXX FL, XXXX, wish to file a report regarding a case of identity theft and financial fraud that occurred on XX/XX/2023. A credit of {$5300.00} has been requested with XXXX without my consent. The transaction is associated with the XXXX XXXX XXXX XXXX store at XXXX XXXX We need an itemized list of every fraudulent transaction Please upload your spreadsheet of fraudulent transactions. Be sure to include : date, amount charged, merchant name, and any other details about the transaction. 
Please list all the fraudulent transactions. 
Are you filing this report for documentation purposes only? Are you willing to testify in court and prosecute criminally? 
Tell us about your business Business name Business address Business phone number What is your title/role at the business? 
XXXX XXXX XXXX FL XXXX, where I have never been. Attached, you will find relevant documentation, including information provided by the financing company. I am willing to fully cooperate in any necessary investigation. I appreciate your prompt attention to this matter. Sincerely, 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 2024-01-22 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: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by XXXX XXXX to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved.

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 2024-01-22 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: NV

Complaint narrative:
I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by XXXX XXXX to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to commence an investigation on these accounts, as I am never late, but they are incorrectly reported as such.

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 2024-01-22 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: GA

Complaint narrative:
Experian continue to report an address on my credit report that I have never lived at. I have disputed this address and Experian will not delete them off my report or show proof that I lived at this address. 

They are reporting the following address. 

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

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has made it very hard to not only check if there is currently a freeze on your account but also how to temporarily unfreeze while applying for credit. That link to check the freeze status or to unfreeze is hidden as a tiny link inside the web page for their paid product. 

This is in sharp contrast to the other 2 agencies where it is relatively straight forward to check your freeze status and to locate the link to unfreeze the account.

In addition the minute you log into your Experian account they directly take you to a page where you are end up applying for their paid service. You have to careful what you do there else you'd inadvertently sign-up for their pair service. They are trying to defraud unsuspecting people to sign-in for their service. This, too, is in contrast to the other two agencies.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I logged in to get my XXXX  interest statement and found that my 4 payments that have been coming out of my bank account since my loan returned to repayment in XXXX have not been applied to my account which is serviced by Ed Financial on behalf of the Dept of Education. 

So not only is my account showing delinquent for 4 months, they have not applied my payments. When I asked in a chat when it would be fixed I was told due to backlogs this would be a few weeks. So after my next payment is due. 

I was told I should not use autopay. I was not even aware the payments were lost until I went to file my taxes  and wanted the tax statement. So who knows how long this would have remained this way had I not checked. 

They have to know and fix this in a more expeditious manner than saying it could take a couple of weeks is unacceptable when they have had my funds for up to 4 months. 

My account is being mismanaged and its very troublesome since repayment is a big character indicator to other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NC

Complaint narrative:
XX/XX/XXXX XXXX, North Carolina Dear CFPB I need your assistance. 

My rental Mortgage is with the XXXX XXXX XXXX. It is a Conventional Loan with Escrows. 
My Hazzard Insurance Company is XXXX XXXX. 
It came to my attention that my Hazard Insurance was not renewed on time in XX/XX/XXXX due to the fact that my insurance company didnt receive payment from XXXX XXXX XXXX form escrow account. 
XXXX XXXX XXXX charged me {$36.00} for a forced insurance. 
I dont think it is fair that I have to pay for their negligence. 
Please help me! 

Summary : In XXXX, XXXX I received a letter from XXXX XXXX XXXX date XX/XX/XXXX, XXXXin reference to the Hazzard Insurance for my rental property located in XXXX XXXX XXXX XXXX, NC XXXX. 
This is a Conventional First Mortgage with Escrow. 
The letter Exhibit A informed that their records show the hazard insurance has expired, and we do not have evidence that I have obtained new coverage. 

On XX/XX/XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, he transferred me to the Insurance Department. The Insurance department said the issue was for a gap period of XX/XX/XXXX to XX/XX/XXXX and they needed a proof that the house was insured for that period. 

On XX/XX/XXXX I called my insurance Agent XXXX XXXX ; he did research and called back informing that in fact it was a gap of insurance from XX/XX/XXXX to XX/XX/XXXX because they didnt received payment on time for the renewal. 

On XX/XX/XXXX at XXXX I called my Lender XXXX XXXX XXXX XXXX XXXX and spoke with XXXX He replied they sent the check but it was returned, so they sent a second check. 
And he will call my insurance agent to do a follow up. 

On XX/XX/XXXX at XXXX I called and spoke with XXXX and said their resolution still the same, it was an insurance gap and for this they will move forward charging me {$36.00} for a force insurance. 
I said, my mortgage is escrowed and I shouldnt be paying for a forced insurance if your company sent the check to wrong address and or without sufficient time to discover errors. I ask for a proof they sent the payment on time. 
Their reply was, we will move forward with the charge of {$36.00} if you cant provide a proof that the property was insured during that period. 

In XXXX I received a letter dated XX/XX/XXXX Exhibit B Saying they cancelled the Insurance Coverage we ordered from XX/XX/XXXX to XX/XX/XXXX and a charge of {$36.00} was imposed. 
It is ridiculous that they even can purchase an insurance for an event in the past! 


XX/XX/XXXX I received a letter dated XX/XX/XXXX informing the {$36.00} was deducted from my escrow account Exhibit B Please I need someone to help me. This is not fair and I feel this is an abuse. 
Thanking you in advance for your time and assistance, 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 2024-01-22 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: VA

Complaint narrative:
I was reviewing my credit report and saw some hard inquiries that are not mine

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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
this all started in XX/XX/2022 I had been making my monthly payments through auto pay from XX/XX/2022 through XX/XX/2022 without any issues than in XX/XX/2022 their system started kicking out my payments as an invalid account I have had many conversations with a senior account manager named XXXX over the last 9 months and have submitted all the info to him and he could not figure it out. he stated to me that chase bank process synchrony payment and that they were the ones kicking this payment out. I finally contacted a lawyer from my legal service who sent them 2 separate letters with no response he has since told me that the letter writing is the only thing they could do so I am filing another complaint i have tried numerous times to contact the lady who responded to the original complaint but never get an answer to the call. they have once again changed my credit limit, restricted my card, and reported me to the credit bureau as late payments which has affected my credit score, I have paid my payments every month by phone and have confirmation numbers but the payments still keep getting rejected and multiple late fees accessed. I am very upset over this and am looking to try to get this resolved. they keep saying that I'm paying with an invalid bank account but I have submitted my info to XXXX and he has verified it, he even had me have my credit union pay the bill thru bill pay and it went thru with no problem, my PayPal account which is also a part of synchrony goes thru with no problem. this is getting very ridiculous and my next step is to try to hire a lawyer to sue Sychrony which is going to cost me money. which doesn't seem right since the issue is definitely on their end

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 monetary relief