vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: NC

Complaint narrative:
According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score. 

XXXX XXXXXXXX : XXXX XXXX XXXX For Experian XXXX XXXX XXXX XXXXXXXX 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 2023-12-19 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: PA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.

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 2023-12-18 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: SC

Complaint narrative:
Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.

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 2023-12-18 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: MI

Complaint narrative:
INFORMATION WAS OBTAINED UNDER DURESS ACCOUNTS WERE FROZEN ACCESS SHOULD HAVE BEEN DENIED. I INFORMED XXXX XXXX XXXX XXXXXXXX XXXX THAT I WOULD NOT UNLOCK THE CREDIT REPORTS. DO NOT RUN THE CREDIT FOR AUTOMOBILE FINANCING COMPANY. THE COMPANY DID IT WITHOUT PERMISSION WHEN TOLD NOT TO DO. 
THEREBY UNDERMIND THE WRITER 'S ABILITY TO CARRY OUT MAJOR GOALS AND OBJECTIVES AND UNDERMIND THE WRITER 'S SCORES BY XXXX POINT. 
THE CONTRACT ENTER UNDER THREAT, DURESS AND CORROSION ( T.D.C. ) THIS ACTION WAS DONE WITHOUT CONSENT NAME IS INCORRECTLY SPELLED

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 2023-12-19 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: DE

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: RI

Complaint narrative:
At XXXX on XXXX I received an email from XXXX saying I had opened a new Truist Confidence Account, Truist One Savings, Debit Card and Digital Banking XXXX 

At the same time I received a second email stating the following : Hello [ similar but wrong name ], Thanks for enrolling in Truist Online Banking. You've taken the first step toward managing your finances- anywhere, anytime. 

A user ID was created and associated with your account ( s ) on : Date : XX/XX/2023 Time : XXXXXXXX XXXX ET If you or an authorized user made this change, no further action is required. 

If you don't recognize this change, please call us at XXXX. 

I called that number at XXXX. I said I dont have an account and asked if they could look up the account by email and I said no. They asked for my full social and I said no and they hung up on me. 

I received a third email Hello [ similar but wrong name ],, To start personalizing your debit card, just visit https : /XXXX  and enter the design code [ xxxxxx ] along with any other information requested.

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 2023-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: 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 XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
COUNTY OF XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX from USAA is showing up in my credit report consistently. 

I reached out to USAA for more information and to resolve this debt on XXXX/XXXX/2023. 

I was told that there was no credit under my member number. I want this debt removed from my account immediately if USAA does not own this debt that is showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Found out today that Mr Cooper experienced a third data leak - the third in three years. This time, however, all of the owners whose mortgage Mr Cooper holds had their PII taken in this data breach. Names, address, SSNs, financial accounts and records, work history - all of them information taken for all of the nearly XXXX XXXX owners. 

How can a company whose business is to administer a loan ( not provide loans, but rather just hold and collect on them ) not make security of their assets a number one priority? 
For it to be this frequent is startling. Worse still is that us, the mortgage holders, can do nothing about it as we can't move on from Mr Cooper as they own our loan ( even though we didn't take a loan with them ). 

Can you look into this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NC

Complaint narrative:
I called all three companies, XXXX, transunion, XXXX and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report.

The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.

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 2023-12-18 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: TN

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-18 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: TN

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2023-12-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have opened a Hilton Honors credit card with AMEX in XX/XX/XXXX which was stating " Earn XXXX Hilton Honors Bonus Points after you spend {$2000.00} in eligible purchases on the Card in the first 6 months of Card Membership. '' For the 1st month I setup a bill payment from my account and AMEX charged me interest and told me they did not receive my payment. I immediately paid over the phone, but they refused to refund me the fees charged and after I called multiple times, they refunded me partially the fees. For the 2nd statement I made sure to pay on time and paid for the whole balance. I have a XXXX credit and I never missed a payment. Today when I called and asked why I did not get my bonus points after spending so much on this card, they told me I am not eligible for their offer. I tried to explain them that I was approved for this offer when I applied for the credit card and I did not get a letter or a note about being not eligible for the offer. And now after I spent so much money and they charged me even an annual membership AMEX refused to give me the points. I was extremely disappointed after doing my best to spend and pay the debt to not get the points and the worst it was that the Customer Service representative could not tell me why I was not eligible and why I did not get a notification about not being eligible. This is the first time when I get into a situation when the promised reward points are not

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: 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 XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX OF XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
XXXX XXXX XXXX OF XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
COUNTY OF XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-12-18 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: NC

Complaint narrative:
According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer 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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, equifax, and XXXX my credit score dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, XXXX, and experian my XXXX XXXX dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MN

Complaint narrative:
This is concerning I Q Data international and their employee, XXXX. I noted XXXX XXXX bias position and pointed it out, because I did not get a chance to make my plea or give my side of the argument ( the property in question is XXXX XXXX apartment in XXXX, GA, ) and he was contentious from throughout. i pointed out that fact and how i felt about it, and XXXX told me, well, youre the one who needs an apartment, implying that im screwed or something. 
i thought about leaving it there, but i had to make sure that he was actually implying that, and that he was purposely being flagrant about it, so i made it obvious that i needed his name ( still, hoping that im probably taking it the wrong way. XXXX did not care. he stood behind his condescending comment and doubled down. i called and was told that doing this complaint online was the fastest way to get a response ; i am sincerely hoping that its true. i wont stop until someone explain to me why i had to be treated in such a belittling manner. 
last, but not least, i was never noticed. i have XXXX XXXX XXXX XXXX XXXX yet nothing came from IQ data international to my mailbox. not one mail.

Company response to consumer: Closed with explanation