vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: Porania, LLC
State: NY

Complaint narrative:
Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy Court XXXX XXXXXXXX XXXX XXXX  stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. 

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. 
citizens and legal alien residents. 

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do no match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. 

My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX XXXXXXXX, XXXX XXXX and XXXX do not belong on 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 2022-02-04 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: GA

Complaint narrative:
Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX XXXX and XXXX do not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
These accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts XXXX XXXX  XXXX, XXXX # XXXX, XXXX # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX  XXXX and XXXX do not belong on 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I am a federally protected consumer, enforcing my God given rights which were violated by the company Credit Management LP. 

Please refer to the attachment to see my complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed some fraudulent reporting on my credit report that were not authorized by me. Please remove it immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received an offer from Experian offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with Experian and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. Experian 's exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
It all started with a 47,000 heloc through XXXX XXXX XXXX XXXX that went in to foreclosure after I lost my husband in XX/XX/XXXX the loan was sold at XXXX XXXX XXXX trustee department for 112,000 the people who bought the second loan came to my home and said that they j ust purchased my home I asked if they bought the first also that was with XXXX at the time and they did not in XX/XX/XXXX I was evicted by XXXX XXXX still nothing more about my First mortgage in XXXX of XXXX I started getting foreclosure notifications from Shellpoint mortgage company I talked with them everywhere day the person who.bought the second heloc called a told me that I best sign the first mortgage over to him asap I did no such of a thing on XX/XX/XXXX XXXX or so I was talking to Shellpoint and they informed me that they received a third-party affidavit and said it was signed by me I replied that I would never sign something like that for XXXX XXXX XXXX XXXX XXXX I received a copy of the paperwork and someone forged my name and Social security number not once but twice and Shellpoint mortgage company acept it and let thing go threw with fraudulent paperwork I tried everything to get something done with this issue I filled a police report just in time for covid to start and my put way back in the trash can because nothing was done I even went to the police station and called nothing not right my name ad Social security was forged forgery is a crime and I want justice

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The credit bureaus XXXX, and Equifax are in clear violation of the FCRA where it states that bureau 's can not report while a dispute is under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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