vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-26 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: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$6.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.

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 2022-10-26 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: FL

Complaint narrative:
Creditor XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.

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 2022-10-26 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: GA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-26 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: FL

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to delete the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: CA

Complaint narrative:
I moved out of my apartment about 6 months into a 12 month lease. The landlord and I agreed they would keep the security deposit and I would move out voluntarily in 7 days. A week later I gave the building manager the keys and became homeless. 

I recently saw a collection account on my credit report for {$9600.00} from IQ Data showing the apartment building as the creditor. I called IQ Data and asked them to email me documentation about the amount. They offered to send it US mail but refused to email it to me. I am homeless and do not have a mailing address because I can not find a new apartment with their collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Actually the vehicle loan is for my husband and they called me multiple times as far I know they can call once looking for someone they have called multiple times today. I am also on the XXXX and I double checked why is the bank calling me for a loan my husband had before me I have no interest or liability on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: LA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct this immediately : XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-26 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: NC

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. 

USDOE/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 of 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 2022-10-26 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: NC

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. 

USDOEXXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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.

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 2022-10-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
I called the Equifax after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Inquiries on my credit report which are misleading to me. I sent a letter to the Equifax credit bureau XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these INQUIRIES will be removed. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Transunion to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous XXXX XXXX & I am including it again 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 explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
filing this compliant to express our dissatisfaction with the treatment we received from WellsFrago My Husband & I received more than 6 loan estimates within two weeks, every time your team decreased the loan amount and increased the down payment even though we locked the rate! We already provided all the information needed to them. We waited for the underwriter forever and a commitment letter which was supposed to be sent on Friday XX/XX/XXXX, However, we didn't receive it due to technical issue as we been informed!, only to know just today that we have to come with MORE down payment of almost XXXX XXXX  I want to share with you some of the consequences and the damage that happens because they are not doing their job in professional manner by providing misleading information : -we gave 2 weeks notice to our property management because the closing date for the Escrow was XX/XX/XXXX -we have to deal with stress and XXXX I almost having XXXX XXXX because that -we sold my Jewelry for some cash -almost sold XXXX of our cars that affect our work performance

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 2022-10-26 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: CA

Complaint narrative:
Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation