vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello CFPB my name is XXXX XXXX XXXX and I am writing this complaint because there are unauthorized inquiries on my credit report. I have tried to resolve this with Equifax AND XXXX and they do not give me the respect. They place me on hold for so many hours and it is stressful. I need HELP. These inquiries I did not consent to in no way. My credit score is in the XXXX because of this. I have 100 % payment history and these hard inquiries are a stain on my report. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: OR

Complaint narrative:
Received fishing text from debt collection agency for bank I have no relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
( now I am really XXXX off. After sitting on hold for an hour and a half their XXXX bot just came back, said my phone number instead of its ridiculous message prompt to press XXXX, and then disconnected the call. ) The last several times I've tried to log into TransUnion, it has immediately gone to a verification screen that asks me my social security number, address, and name and prompts me to create a new password. 
I enter those things, then the next screen says " since we had trouble verifying who you are we can not show you your credit profile. Call this number. '' I've called the number every day for the last week while gathering information for my attorney, I've sat on hold for a total of XXXX hours, spoke to XXXX person, that XXXX person seemed upset, then reset my password to some generic one and said to log in and change it. That didn't work, then I was disconnected. I did not keep that password since we were changing it. So I don't have the password they created before hanging up on me, they can't let me reset my password because they somehow report all of my credit and financial, and background, addresses, phone numbers, aliases that have stolen my identity and show up, theyanage all of these things but can't verify that my SSN, address, and name belong to my name. 

This is why I'm gathering the info as I mentioned earlier. 
I've now been on hold for an hour and XXXX minutes pressing XXXX at this machine that really wants to hang up on me if I don't press XXXX every XXXX or XXXX seconds, just to gain access to my own credit report.i want everything that they have reported, that I have disputed as wrong to be cleared immediately, as they clearly are not organized enough to know what is and isn't real. 

Now I found the password in my phone, logged in with it, was kicked out, tried again with the same info, and was told it is the wrong password. It auto filled so it definitely was the same. They don't allow screenshots when they XXXX up apparently. Only the entire rest of their app which is a huge XXXX up.

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 2024-08-17 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: IL

Complaint narrative:
I was reviewing my consumer report and noticed these accounts that is reporting inaccurately.

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 2024-08-17 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:
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. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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:
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. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

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 2024-08-17 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: SC

Complaint narrative:
My husband and I applied for a refinance/cash out on our mortgage. Since that time ( XX/XX/year> ) we have received over 60 phone calls, not including texts, from solicitors for financing. This has not stopped, but slowed down as I block every number that does not leave a message, which none of them do. One of the text messages had our credit card debt amount in their text. Our loan manager suggested filing with National Do Not Call, which we did. He mentioned that it reduces the calls but does not eliminate them. Obviously, our information had already been sold, but it is in place now. Our manager also informed us that a " mortgage oversight entity '' ( do not recall the name ) has been trying to have this stopped. We would like to know if there is anything being done about this. It's a complete invasion of privacy to sell information, in particular, via agencies who pride themselves on security of your information. Experian was used for our credit report by our manager 's company. To note, I'm not happy with XXXX or XXXX either, but they were not involved, to our knowledge, for this instance.

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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery is trying to collect {$470.00} with me about a fake debt account they put on my credit report. 
Address and contact on their report are fake and I don't have any debt with this company. 
I tried to send them my identity thief report but they don't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received correspondence about a balance transfer promotion for my Citibank XXXX XXXX credit Thank You credit card. The promo offer was to transfer the BALANCE as of a certain date and pay a lower XXXX interest rate for XXXX months on the transferred balance, after which date, the interest rate would revert back to the original variable XXXX % APR. 
There was no other explanation as to how the promo offer would work and no explanation as to the impact on the credit card credit limit and available credit. 
Based on the limited information sent to me and on-line, my understanding was that my then current balance {$1800.00} plus pending transactions of {$1300.00} would be transferred and subject to XXXX % interest rate for repayment until XX/XX/2025. At no time was it explained that this was really a loan against my available credit limit of {$6800.00} which I had planned to use for some home improvement. 
Citibank transferred the above referenced balance which was approx. {$3500.00} to my checking account which I believed I would be paying back at XXXX % interest with my line of credit in tact. To my surprise and dismay, Citibank added the balance transfer and available credit reducing my credit limit to XXXX. This was nothing more than a loan disguised as a balance transfer and I want my credit limit restored to what it was and my available credit restored. I thought the transferred balance would be a separate accounting or whatever on my card. It was not explained that it would be debited against my available credit thus reducing or eliminating my available credit and credit limit.

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 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I initiated a transaction on XX/XX/year>, for {$10000.00}. I received an email stating that it would be delivered by XX/XX/XXXX. However, when I contacted customer service on XX/XX/XXXX, they informed me it would be delivered by XX/XX/XXXX. On XX/XX/XXXX, the status in my app changed from " in progress '' to " completed, '' but the receiver still has not received the funds. Since then, I have been calling daily. Initially, they said the receiver 's bank might take XXXX days to process it. Now, they claim it has been delivered to the receiver 's bank account, but the funds are still missing. They are saying it could take another XXXX working days to resolve the issue and have offered to refund the transaction fee ( {$0.00} ) as a consolation. My receiver is in significant trouble and has missed their payment commitments from XX/XX/XXXX through today, XX/XX/XXXX. 

I also initiated another transaction for {$14000.00} on XX/XX/XXXX. They promised that this transaction would be completed by XX/XX/XXXX, but the receiver has still not received the funds. They send an email on XXXX saying your transaction is on hold please provide more receiver 's info. 

Please help, Western Union is holding money for more number of days then they promise by any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Experian Information Solutions Inc.
State: AZ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently checking my credit report I noticed Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that Ive found : 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 XXXXXX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached a copy of my identity theft report as well.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TX

Complaint narrative:
1. All the cases they send me have no post mark date on the outside stamped by the XXXX. This is a huge problem because the dates on their letters I receive are dated at least 10 days later than when I actually get them in my mailbox and informed delivery notifies me. So this means I only have 20 days or less to actually try and pull up the ONE TIME USE PIN NUMBER they provide TO TRY AND READ THEIR REPORT and dispute anything.

2. I have asked that all the consumer reports they send me to be sent to me in paper form and NOT WITH A ONE TIME USE PIN NUMBER TO OBTAIN THE REPORT ONLINE. ESPECIALLY BECAUSE OF HAVING LESS THAN 20 days to try and obtain my consumer report, read it, mark all the things wrong, and then dispute them, all WITHIN their 30 days.

3. Lexis Nexis has more than one consumer report that is in my name that is using my personal information including my social security number, drivers license number and other personally identifying information and they sent all these different reports to me after I filed my first two complaints with you. So within a few days, I was bombarded with these reports and since I have ongoing fraud and identity theft issues, unreliable internet service, compromised devices, and sending me all these at least 10 days later than the dates they list on their letters and only giving me 30 days from those dates to dispute anything on them was an impossible task.

Also only one report was in paper form and the others were with a one time use PIN number.

Why arent they consolidating all these different reports with my personal information into one report instead of having more than one?

Lexis Nexis also had information that I disputed and they said was removed in XX/XX/year>. 
Lexis Nexis is difficult to reach, talk to, obtain my information and refuse to let me speak to. XXXX. 
I want all my consumer reports consolidated into ONE REPORT AND THEN SENT TO ME IN PAPER FORM SO I CAN PROPERLY DISPUTE ALL THE WRONG INFORMATION WHICH IS QUITE EXTENSIVE, and that they do not back date these reports so I have the full 30 days to properly examine and dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX, XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft, data breach, and Human Trafficking Debt Bondage ; this collections account is something I have no idea or record of. It is from a company called XXXX XXXX XXXX. I do not owe any debts that are not current or paid, I have no account of who are where this is from. It is in error and needs to be blocked, deleted and removed. XXXX XXXX XXXX : Account # XXXX, balance {$2900.00}. Date opened : XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: LEXISNEXIS
State: AZ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
XXXX  total they gave me credit for XXXX but they report was for all of it and they playing games I can't attach report to others

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: AZ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-17 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: Scott Fetzer Financial Group Inc.
State: IL

Complaint narrative:
The following companies made multiple inquires for my XXXX credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation