vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I receive multiple calls a day ever since day. They call every single day, multiple calls from all different phone numbers. They do not leave any voice mails so that I can know who is trying to reach me and why. This has been going on for months. 
For the month of XXXX I have received approximately 81 phone calls. 
LVNV funding ( XXXX ) I have my call logs. They call from XXXX until sometimes XXXX XXXX XXXX 

I am attaching the calls I have that say their name XXXX XXXX XXXX XXXX  but there are many other calls that come from many different phone numbers that are also the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
I did not approve the inquiry. There has been no communication between me and the lender on the specified date.

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 2024-04-28 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: PA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My bank and credit card issuer, Sofi, recently lowered my credit limit this month, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The problem with this is they never issued any notification and have acknowledged verbally, this. I originally contacted them three times on XX/XX/XXXX, and finally when they never directed me to a supervisor, I called them back today, XX/XX/XXXX after they promised to call me back and did not. I informed the supervisor of what happened with the calls, and how my limit was lowered ( even with a high XXXX XXXX XXXX ) without proper notification due to the credit card act of XXXX and the supervisor, I believe his name was XXXX, immediately shut down the conversation and said he will not be having a legal conversation with me and if I need to I can send a summons to their legal department. It was really intense and extremely weird as I have been banking with them for 4 years and have never had a problem. The whole interaction was sketchy, and ultimately I want to know my recourse. They refused to re-increase the limit, and refused to do anything about the fact that they operated their reduction outside the confines of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the VA had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all 3 credit agencies ( XXXX, Transunion and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during COVID. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( XXXX XXXX ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the three agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from XXXX XXXX and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with Turbo tax but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint narrative:
I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the XXXX  had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all 3 credit agencies ( Equifax, XXXX and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during COVID. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( XXXX XXXX ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the three agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from XXXX XXXX and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with XXXX XXXX but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: CO

Complaint narrative:
Xoom is a XXXX money sending service. I tried sending some XXXX pesos approx {$20.00} usa, and they pulled the money from my XXXX account over to Xoom but then held recipients pickup. After I contacted xoom, they asked 100s of questions and said it's on hold but later was canceled!?? 
No explanation, No refund, locked me out of my account w no explanation!? Refused to talk on phone!! Total Scam and kept the funds they took from XXXX!! This occurred XXXX XXXX,2024. Because xoom immediately dissolved my xoom account, any and all information of transaction is blocked, ANOTHER ILLEGAL BLOCK TO SCAM CUSTOMERS AND KEEP FUNDS. 
Xoom should be investigated by FBI and prevented from doing business in the USA if they are not regulated. Total affiliate of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has violated my rights per 16 CFR 313 and 15 USC 6801-6805. 
In compliance with the Privacy Act of 1974 and 15 USC 1681, XXXX is prohibited from disclosing my transactional history. However, XXXX failed to uphold my privacy rights as outlined in 15 US Code 6801, and I was not allowed to opt out as mandated by 15 US Code 6802.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has violated my rights per 16 CFR 313 and 15 USC 6801-6805. 
In compliance with the Privacy Act of 1974 and 15 USC 1681, XXXX is prohibited from disclosing my transactional history. However, XXXX failed to uphold my privacy rights as outlined in 15 US Code 6801, and I was not allowed to opt out as mandated by 15 US Code 6802.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : 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 2024-04-28 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: PA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I received a check for the sale of my interest in a property I legally had claim to. The check was from citizens bank. I opened a citizens bank checking account with a branch manager who assured me I'd have access to the funds same day due to the check being drawn from citizens. Initially this was true. About 12 hous later my funds were on hold to be verified. I called as high up as I could in citizens and got a supervisor who seemed to have fixed the issue that same day. Over the next week every other transaction I made froze my card, made no difference online or via card, each time I had to waste 25+ mins calling in and having to verify my last 5 transactions, one day there was 7 phone calls placed to unfreeze. Then during a very crucial moment ny card declined. I called in and was told my card didn't exist. I went into a branch and was told they couldn't tell me why or whats going on but my account is suspended and under review and gave me the cust. Service phone number. Humoring it I've called every day for a week now with the highest ranking individual being the head of citizens office of the customer, who has promised me a call back by end of day 3 days ago and has not done so. The other part of this complaint is in regards to the policy of sending a letter informing thr customer of this closure. I do not have a physical address at this time as I was supposed to make a down-payment on a home that I was unable to do because of the hold. The letter will not reach me. No one seems to care about this and I've suggested multiple alternative methods and I'm still not getting calls back, being " accidentally '' hung up on, and wasting easily 3 hours a day attempting to reach a solution or even any information, the mobile app dosent recognize my acct anymore and my debit card was cancelled, I have zero access to my own funds ... that were from a citizens bank check, deposited in a citizens bank acct. Due to an investigation ... of thier own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, often than records of conviction 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over 6 years old as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( INACCURATE REPORTING AS. WELL..

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.

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