vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: FL

Complaint narrative:
The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX Notwithstanding that these inquiries are not seen by anyone but me and will not be used in scoring my credit file, the point is that the named companies have neither any legitimate business relationship with me, nor any open collection account with me, and therefore they have no valid reason whatsoever to access my personal credit history. In order to protect my privacy, I demand that access to my personal credit file, via inquiry or any other measure, be granted to only those companies that have a legitimate business relationship with me or have received my prior, express consent to do so. Or, shall I have no alternative but to pursue a class action suit against TRANSUNION in federal court, by reason of reckless disregard for consumer privacy laws?

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have never gave legal consent to XXXX XXXX XXXX to run my credit an their for causing an inquiry and a negative impact on my credit report and fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: CO

Complaint narrative:
I called Transunion today and customer service would not help me with my inquiry problem. It seems that Transunion removed inquiries from my report then reinserted them without providing proper notification to me required by law. According to section 611 of the FCRA any inquiry that is taken off and then put back on by the reporting agency must be followed up with a notification letter by mail within 5 days of doing so. They did not provide this and thus have violated the law. I am demanding that the following inquires be removed and a new credit report be sent to me. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX  7. XXXX XXXX again 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX 11. XXXX 12. XXXX XXXX XXXX   13. 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 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 I received a promotional email message saying I am eligible for a credit line increase to my Best Buy store credit card provided by Citibank NA. I was approved for an increase of {$1500.00} after filling out the information I was told to provide on the online form. Nowhere in the process I was told there would be a hard inquiry to my credit report. 

I have credit cards with other creditors and a hard inquiry has never been done on a line increase. Considering the increase was promoted to me I assumed there was due process on their end to provide me with the proper details of the increase. I would not have requested an increase if I was told there would be a hard inquiry. This is the 2nd hard inquiry from City Bank within 6 months, I opened my account on XX/XX/2018. 

After checking my credit report in XX/XX/2018 I found out that Citibank NA issued a hard inquiry. On XX/XX/2018, I called Citibank NA retail card department at XXXX to attempt to resolve the issue. I was connected with XXXX in the retail account verification department. After explaining my situation to her she connected me with XXXX of the Management department for Best Buy Credit. She understood my frustration with the process and told me there is nothing she can do but explained to me that if I called and spoke with an agent rather than doing it online I would have been able to avoid the hard inquiry. This was not promoted to me as an option. The only option I was aware of was the online process. I never signed off on a hard inquiry. I was never asked nor did I give permission to have a hard inquiry done on my credit report. I believe I was not provided with all the options. 

I have attached a screenshot of the credit line increase screen. I does not explicitly say there will be a hard inquiry in the process.

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 2018-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: IA

Complaint narrative:
I updated my contact information online because i moved. The company ( great lakes )  would not update my information without an email address. Then once you enter the email address you are automatically signed up to receive everything by email. There is no way to receive all correspondence in the mail excepted to call and have customer service fix the account. I received a " verify your email address '' and did not respond to it. My email address was not verified. The company then sent me an email with my account number amount due and other information to the email address that had yet to be verified. Is it acceptable for them to send my account information to an unverified email address?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Equifax to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Equifax refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.

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 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors
State: NV

Complaint narrative:
This is a complaint about two Bad Actors who purposefully, willfully and knowingly conspired to injure my credit standing under false pretenses. On XX/XX/XXXX I was transported via ambulance ( XXXX ) to a hospital due to a accident. At the time of transport, I was requested to and provided current state identification and medical insurance cards. To date, I have not received a bill nor request any other written notification from XXXX requesting payment for any outstanding debt owed. 

All identification provided contained accurate current contact and mailing information. Despite having accurate information, XXXX employed a rouse to injure my credit score and rating by sending all notices to a General Delivery Post Office address USPS in XXXX, Nevada -- a township where I did not reside, despite having my address. When the mail was returned from General Delivery as undeliverable XXXX then, forwarded it to it's claim Collections debt ( National Business Factor ) -- despite my being completely unaware of any communication. 

Meanwhile, the attorney who was handling the case that originated on XX/XX/XXXX, had contacted any and all creditors regarding payments arising from this incident. However, because of XXXX 's actions he was unaware and therefore unable to contact them. He can testify to this. But XXXX 's actions were purposed to cause a greater harm in collaboration with their partner : National Business Factor, Collections -- they used my social security number to post a negative report to all three credit bureaus. 

I believe their actions evince an unfair debt collection practice and pattern with specific intent to do harm. The only reason I know know of their action is because I happened to be checking credit reports when I was noticed of a 25 point drop. I have the alerts/correspondences from my monitoring. National Business Factor has never ever written, called or communicated with me prior to my contacting them on XX/XX/XXXX. 

National Business Factor claims it can have this removed from the credit agencies swiftly and with just a letter. The agencies state that even if, paid or otherwise cleared, the information will remain on the credit report for 7-10 years. I have been harmed and am aggrieved and thus am seeking a remedy at law and in equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: VA

Complaint narrative:
On XX/XX/2018 I filed a dispute with mainly Experian and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as XXXX XXXX, then XXXX XXXX was changed to XXXX. XXXX can not prove that I owe this money and I never took out a student loan with XXXX. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly Experian be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank 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 2018-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I was approved for a {$11000.00} personal loan with Citizens Bank. I signed all documents to receive the funds and when they did the final review, denied me and explained the reason is because they werent able to verify certain information, when I did verify all information. They're not giving me the exact reason why Im being denied and this is not fair after Ive done everything required to receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
On XX/XX/XXXX, my mortgage payment was deducted from my account and a check for {$890.00} was written to US BANK and sent to them. Apparently this check went to the wrong XXXX XXXX and the receiver was able to cash the check, which cleared my account on XX/XX/XXXX. 
I have been working with my online bill pay provider for the past few months trying to get this issue rectified. They have asked US BANK to sign a form stating they never received my payment. Without this form, my online bill pay provider can not release my funds back to me. US BANK has REFUSED to fill out the form. They have lied to us several times saying the form was mailed. It wasn't until TODAY ( XX/XX/XXXX ) a customer service manger got on the phone that we learned the head of  their Payments Received department refused to send the form back! 
So my money can not be returned and US Bank says our mortgage is in default. We need the money back to pay our mortgage and US Bank has been ABSOLUTELY UNPROFESSIONAL AND UNHELPFUL!

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 2018-11-27 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: RI

Complaint narrative:
I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.

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 2018-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I get 10 calls a day over and over for the past 2-3 weeks from a loan company called Mobiloans claiming there is a debt owed of XXXX for a loan that was under my name social security and address that supposedly was direct deposited to a XXXX  XXXX XXXX account which I am not affiliated with nor have I had. I've called XXXX XXXX XXXX to verify this information and there has been no such deposits or accounts with any deposits from Mobiloans under my name and social security number. Since I denied the debt they continue to call me continually. This is not my debt. Please help me.

Company response to consumer: Untimely response