vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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: WY

Complaint narrative:
When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as misc or bank credit. 

XXXX XXXX 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 explanation
Consumer complaint received 2022-05-01 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: WY

Complaint narrative:
When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as XXXX or bank credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted numerous request also a previous CFPB request. My rights are still being violated. I have the right to request verification of the debt is provided by The Federal Fair Debt Collection Practices Act. I have NOT received information validating these alleged debts.Instead of receiving debt validation as requested I received a response from Transunion it another language. I believe it to be Spanish I'm not certain. This is a stall attempt.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. 
Account : XXXX XXXX XXXX XXXX XXXX Account : 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 2022-05-01 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: NY

Complaint narrative:
In accordance with the credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-05-01 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: NY

Complaint narrative:
In accordance with the credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any r
eason.

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 2022-05-01 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: NY

Complaint narrative:
In accordance with the credit Reporting act THE XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-05-01 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: MD

Complaint narrative:
This complaint is against Transunion for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that Select Portfolio Servicing used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. Transunion has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.

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 2022-05-01 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: UT

Complaint narrative:
I filed three disputes with transunion and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacted transunion and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information XXXX and XXXX, knight adjustment, and trasunion need to be investigated and corrected. 
XXXXXXXX XXXX  is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and transunion is showinXXXX XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. Transunion should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything

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 2022-05-01 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: MD

Complaint narrative:
This complaint is against XXXX for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that XXXX XXXX XXXX used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. XXXX has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.

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 2022-05-01 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with Experian which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.

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 2022-05-01 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: V and H Portfolio
State: UT

Complaint narrative:
I filed three disputes with XXXX and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacteXXXX XXXX and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information Vance and Hoffman, XXXX XXXX and XXXX need to be investigated and corrected. 
XXXX XXXX is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and XXXX is showing XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. XXXX should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX  XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on Transunion XX/XX/XXXX along with XXXX which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me XXXX times to the same place in a matter of days and transunion reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.

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 2022-05-01 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: EQUIFAX, INC.
State: WY

Complaint narrative:
Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

Equifax XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with XXXX which I believe to be accurate. However, Equifax is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank charge {$170.00} over draft fee but would they let account over draft when they know has no money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

TransUnion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX bank XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capital Accounts, LLC
State: UT

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This company is reporting a debt that is incorrect and have failed to verify it in writing. They have refused to respond with the requested verification information and sent me a generic invoice with incorrect information on it. I have certified receipts and the last letter sent on XX/XX/2022 of which they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called Experian several times to have them update my mobile phone. On my report it always gets back to an XXXX  XXXX number ( not US ) which I had a long time ago. As the known phone kept on record is often used to cross-check identities by XXXX XXXX XXXX a wrong data may be a cause of adverse response when subscribing to online products or new card.

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