vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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:
I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. XXXX  XXXX postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by XXXX XXXX XX/XX/XXXX TransUnion and XX/XX/XXXX XXXX. I had XXXX XX/XX/XXXX, removing XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX to allow swallowing better. XXXX XXXX XXXX and acute XXXX was found XX/XX/XXXX at XXXX XXXX and another on rt side located XX/XX/XXXX. XXXX XXXX XXXX XXXX urgent care ). XX/XX/XXXX I had urgent care XXXX  due to respiratory XXXX from XXXX. I'm on XXXX and have XXXX and XXXX. I applied for no credit for already existing accounts with XXXX XXXX, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXX. XXXX XXXXXXXX card is also Infrequently used. I have had to replace XXXX due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and TransUnion were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify XXXX to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.

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 2024-07-29 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:
I received no notice nor call as instructed due to identity theft freeze placed by all bureaus. I proceeded to record call as representatives behavior was misogynistic and discriminatory against XXXX persons and contradicts federal law and legislation for XXXX persons. XXXX  XXXX postures as a credit bureaus to circumvent the law and regulations which they are NOT! A hard pull was made by XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX Experian. I had XXXX XX/XX/XXXX, removing intestinal growth and XXXX XXXX XXXX XXXX  ) to allow swallowing better. XXXX XXXX XXXX and acute XXXX was found XX/XX/XXXX at XXXX XXXX and another on rt side located XX/XX/XXXX. XXXX XXXX XXXX XXXX urgent care ). XX/XX/XXXX I had urgent care XXXX due to respiratory XXXX from XXXX. I'm on XXXX and have XXXX and XXXX. I applied for no credit for already existing accounts with XXXX XXXX, XXXX and recently found transactions on my XXXX account XXXX which caused the card to be closed, and replaced as account had XXXX. XXXX XXXXXXXX card is also Infrequently used. I have had to replace XXXX due to unknown transactions and even XXXX which is connected to my bank account had issues with applications and credit requests. I keep my credit frozen locked but have been a victim in ALL previous breaches and all my information is on dark web. XXXX and XXXX were supposed to provide premium services free for several years however they have NOT. I have the emails confirming promise and received a small prepaid virtual card payment but this is crazy and ridiculous for me to have to babysit corporations when the bureaus clearly state notify XXXX to verify identity. My account holders have failed to secure my accounts and obey the law. Please fine and counsel them and perhaps audit them to prevent further abuse of consumers.

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 2024-07-29 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there XXXX be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it XXXX impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management keeps calling me and sending letters threatening to sue me. I've explained to this company multiple times that I do not have any money and XXXX XXXX XXXX is currently handling my debt ( s ). Midland Credit Management insists on contacting & harassing me when ive repeatedly asked them to stop! They are well aware & know to contact XXXX XXXX XXXX pertaining to the debt or any other information that they may seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have explain to SPS millions of time that the XXXX XXXX is covered by my association. And every year, SPS charges me for XXXX XXXX cause they state they never received which is a total lie. They leave the XXXX XXXX on their for months to show that I am short on my Escrow Account when in fact I am not. On top of that when I make the monthly payments they state I am short when in reality they still have not removed the XXXX XXXX. Also later on they remove the XXXX XXXX, but they still do not refunded the account for all the late charges, or finance charges that where charged to my account. This has been happening since XXXX. SPS has also been over charging my monthly payments since XXXX till XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX North Carolina on XXXX XXXX. I found out after reviewing my credit that they used a technique called " Shot Gunning '' The result was 6 Hard Inquiries to Multiple lenders without My Consent. I requested from that Dealer to send Written letters explaining that XXXX XXXX XXXX used " Shot Gunning '' techniques to find 6 banks to finance my vehicle loan without My Consent. They agreed to send letters to Transunion, XXXX and XXXX. All 3 Credit Bureaus denied the request. I have purchased Many New Vehicles in my lifetime and Not once did any of the sellers use " Shot Gunning '' until XXXX of XXXX when I purchased this vehicle. This is Simply Not Right. We must re evaluate these acceptances Indeed.

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 2024-07-29 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:
I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX North Carolina on XXXX XXXX. I found out after reviewing my credit that they used a technique called " Shot Gunning '' The result was 6 Hard Inquiries to Multiple lenders without My Consent. I requested from that Dealer to send Written letters explaining that XXXX XXXX XXXX used " Shot Gunning '' techniques to find 6 banks to finance my vehicle loan without My Consent. They agreed to send letters to XXXX, Equifax and XXXX. All 3 Credit Bureaus denied the request. I have purchased Many New Vehicles in my lifetime and Not once did any of the sellers use " Shot Gunning '' until XXXX of XXXX when I purchased this vehicle. This is Simply Not Right. We must re evaluate these acceptances Indeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NC

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX North Carolina on XXXX XXXX. I found out after reviewing my credit that they used a technique called " Shot Gunning '' The result was XXXX Hard Inquiries to Multiple lenders without My Consent. I requested from that Dealer to send Written letters explaining that XXXX XXXX XXXX used " Shot Gunning '' techniques to find XXXX banks to finance my vehicle loan without My Consent. They agreed to send letters to XXXX, XXXX and Experian. All XXXX Credit Bureaus denied the request. I have purchased Many New Vehicles in my lifetime and Not once did any of the sellers use " Shot Gunning '' until XXXX of XXXX when I purchased this vehicle. This is Simply Not Right. We must re evaluate these acceptances Indeed.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-07-29 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: FL

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-07-29 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-07-29 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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 u.s.c 1681.. 
Account name ... ... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX  XXXX ... Account # XXXX ... Account Name ... XXXX XXXX XXXX ... Account # XXXX Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account name.. XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX XXXX ... Account # XXXX 
Account Name... Source receivable mng ... Account # XXXX... 
15 U.s.c 1681 section 602A. States I have the right to privacy...

15 u.s.c 1681 section 604A. 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 reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-07-29 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: 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 u.s.c 1681.. 
Account name ... ... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX  XXXX ... Account # XXXX ... Account Name ... XXXX XXXX XXXX ... Account # XXXX Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account name.. XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX XXXX ... Account # XXXX 
Account Name... XXXX XXXX XXXX  ... Account # XXXX... 
15 U.s.c 1681 section 602A. States I have the right to privacy...

15 u.s.c 1681 section 604A. 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 reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the last 3 months Ive sent a certified letter requesting for my name to be updated to XXXX XXXX. Ive even called and spoken to multiple representatives and received confirmation # XXXX saying the name will be updated. I want the middle initial to be removed immediately from my consumer report. Equifax has failed to report my correct name as XXXX XXXX. They have XXXX XXXX XXXX. I am once again requesting the middle initial be removed immediately. Thanks

Company response to consumer: Closed with explanation