vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: CA

Complaint narrative:
The hard inquiries list needs to be removed : - XXXX  XXXX on XX/XX/2022 This morning I received many notifications about someone requesting my credit profile after I unfroze my credit report. That is absolutely unacceptable since when scamming is everywhere and my personal identity was leaked or not. that is a fraudulent activity I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this 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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, XXXX, and Transunion XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, Experian, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This has been very alarming to me I called Experian XX/XX/2022 and spoke with multiple reps one who told me after highlighting inaccuracies on my credit report A rep stated to me items would be deleted on my credit report and in turn without my consent a dispute stating identity theft at which time I never said generated in my behalf without my consent which would be false or misleading information and furnishing deceptive forms This has cause stress anxiety emotional trauma and for me to start going to therapy

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 2022-12-01 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: PA

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 Acct # XXXX ( Opened XXXX ) XXXX XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX ( OPENED 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 an 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 2022-12-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
A XXXX XXXX XXXX called me and said I owed {$930.00} on a XXXX XXXX account that was never paid from XXXX ending number was XXXX. I asked that they send me something in writing to my email but never received it. They said they sent it to my email 4 times. I didn't receive it. Then he said XXXX XXXX sold my account to HSBC and wanted me to make a settlement in the amount of {$630.00} then the phone call was somehow disconnected. I then called XXXX XXXX to inquire about all my past accounts with them and they assured me that I have settled and paid all my debts. XXXX XXXX even went back as far as XXXX and said I don't owe them anything. I also asked if they had sold my account would they still be able to see it and they replied yes. They did not show that any of my accounts were sold. The guy from the XXXX company said his name was XXXX XXXX his phone number was XXXX XXXX XXXX. He also said they were going to serve me with XXXX XXXX XXXX on my job. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I havebeen callingfor several months asking for an updateon my loss mitigation packet. I have requested the lossmit XXXX rep to contact a supervisor. I have requested an internal note be put in my file asking for a status update. I havebeen told ( in a recording ) my file would be completed by the end of theweek ( XXXX ), only to call back 6 days later and be told there is no record of anyone ever speaking to my processor. 

My take homeincomehas increased significantly. I submitted the updated paystub and it was not acknowledged as received. I resumed payments last month, and the loansolutioncenter shows no record of it. Naturally I am hesitant to continuesending money into the ether without any response, update or acknowledgement. 

PLEASE REPLY and provide an expectation of when my application will be reviewed and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX I got a home equity loan to pay off my CITI Bank Sears Master card. I got the check from XXXX XXXX via XXXX XXXX. Check number XXXX loan number XXXX amount of {$30000.00}. I was sent in to Sears at the billing address of Sears Credit Cards, XXXX XXXX XXXX, XXXX, Pa XXXX. 
Sears has never cashed the check and paid off my credit card. They are sitting on the check. I called Sears on XX/XX/2022, at XXXX, It is a call center. The lady said it takes 2 weeks to process the check. Since then they keep adding on interest to the bill. 
I called XXXX that issued the heck, I talked to XXXX, ( XXXX ) she said that they hold checks all the time, I asked if they could stop payment and electronic pay the bill. They cant do that, they need a physical check. So I am waiting So another XXXX dollars was added to the payoff. No credit card co should be allowed to sit on a check or hold it up in any way. 
Can you plesae get the Sears Credit Card Co. to process the payoff. Thank you 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 monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2022 Our company sent a check to our vendor to cover an invoice. They never received it and we issued a new check and found on our bank statement that our original check had been cashed by a person not the vendor and the reissued check was cashed by our vendor with their information on the back. 
Told by our bank to obtain affidavit from vendor received XX/XX/2022 and turned into bank on XX/XX/2022 along with police report. Vendor also reported to USPS the theft of the mail. Have been in contact biweekly with banker with no satisfaction and no response. They say they ae calling, but never tell us what has transpired The banks fraud department says they need more info, but they have everything. 
Had to open new checking account which has added to a customer not updating the new banking information on there end and we have a Payment Advice going to the old account and now we have money in limbo, the bank says it should seamless go to our new checking account and they say they notified there people to make sure it transfer. We need these funds to pay our bills. And I feel that the bank is just dragging their feet., The bank is BMO Harris XXXX XXXX XXXX XXXX XXXX XXXX IL

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
Consumer complaint received 2022-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have told them several times ( more than three ) that I cant accept calls during work hours. However they keep calling and interrupting my work day. I told them to call me after XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax online services do not allow the caller reasonable access to a representative without excessive barriers including having a credit report available in front of the caller to verify loans etc. Most individuals do not have a current copy of their Equifax credit reports at their fingertips. While I fully understand the need for high security especially in light of their previous breach, it is not acceptable to spend 30 minutes on a phone tree trying to speak to customer service in order to fix one 's on line account to unfreeze their account when there is an issue with a ( correct ) password. Certain banks require all 3 credit bureau reports to approve lending applications, others do not. When I told a representative at XXXX XXXX  that it was Equifax that I couldn't get a hold of, she immediately understood stating " yes they can be very difficult ''. If this is the case Equifax 's poor customer service may be the reason lenders are no longer using or relying on Equifax reports. I have not had any issues with XXXX or XXXX to date. 

This is punitive to U.S. consumers, in that it results in severe delay in proceeding with important financial transaction including mortgages, new credit card applications, and other necessary functions.

It is likely this is happening with millions of other U.S. citizens with equal frustration. It should NOT be allowed to occur when it has such a large impact on personal financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I received a threat of a lawsuit from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Velocity Investments LLC. In 2020 I asked XXXX XXXX the original named creditor under Fair Debt Collection Practice Act, 15 USC 1692g to provide validation of the debt. They replied that they had sold the debt to Velocity and had no proof of debt and were not required to provide proof because they were not pursuing the claim. Subsequently, I have repeatedly asked Velocity to provide me with proof of debt under the relevant federal laws cited above. This request was also made in the state of California and is also covered under California Penal Code which provides for a fine of {$100.00} per day for each day that the proof is not provided. That amount now totals approximately {$54000.00} and continues to accrue because rather than providing proof of debt, Velocity has instead decided to harass and threaten me. 
I have attached my first Identity Theft Report which has subsequently been updated as companies have assisted. XXXX XXXXVelocity has refused to assist and has never provided any documentation. That refusal has delayed my update of my ID Theft report and has delayed my ID Theft Insurance claim.

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 2022-12-01 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX bankruptcy petition Account # 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 2022-12-01 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: FL

Complaint narrative:
I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : 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

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 2022-12-01 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: PA

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 XXXXXXXX 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 an 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 explanation