vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: PA

Complaint narrative:
The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights un

der 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

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 2022-07-20 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: PA

Complaint narrative:
The Credit bureaus stated my account wasproperly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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

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 2022-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
To whom it may concern : I took out a signature XXXX  loan for {$40000.00} from XXXX XXXX back in XX/XX/XXXX, with my father as a co-signer. By the time I was scheduled for my 1st payment in XX/XX/XXXX, my loan had already accumulated $ XXXX in capital interest. I made $ 100 monthly payments for approximately a year when I noticed an additional $ XXXX was added in capital interest. When I contacted XXXX XXXX, they stated I needed to increase my monthly payment amounts to $ XXXX to resolve this issue. In XX/XX/XXXX, my account was transferred to Navient for {$48000.00}, despite having paid over $ XXXX+towards my loan. I then continued making monthly payments of $ XXXX and have paid over $ XXXX and my current balance remains $ XXXX. During that time, I requested to have my father removed as a co-signer and was not explained the proper process, nor was I given any options to resolve my ongoing issues. Most recently, in XX/XX/XXXX, I was denied again because of some credit issue that I couldnt understand. 
Then finally I started hearing about settlements and loan forgiveness that were available to those that were Navient and XXXX XXXX I contacted Navient, along with various other places to see if I qualified. I kept being pushed from one company to another and then was told to wait for a postcard in the mail to tell me if I qualified. I never received the postcard, nor was it ever confirmed that I qualified for a settlement or loan forgiveness. 
I am looking to find someone that can provide me with guidance on finally ending this horror. I have spent over a decade making loan payments and still owe the same amount. I dont know if I qualify for any program or grant or forgiveness or if there is any solution that can possibly help me move forward. Please provide me with any help that is accessible to you. Please help those like me get out of this horrible mess. 
Sincerely XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an 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 2022-07-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX  now.with no help.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$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 2022-07-20 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: PA

Complaint narrative:
Previous complaint filed : XXXX Equifax failed to respond to my dispute for XXXXXXXX XXXX. They only sent me a copy of my credit report and they continue to report account inaccurately and incomplete. They have failed to comply with the laws that federally protect my rights as a consumer. ( which they have had multiple opportunities to comply with ) According to the FCRA, consumer reporting agencies must investigate the dispute within 30 days of receiving it. 

15 usc 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also according to 15 usc 1681 602A I have the right to privacy 15 usc section 604A Section 2 : Consumer reporting agency can not furnish an account without my written permission, I did not given my written consent to furnish this account to my credit report. 

Tracking # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX Bank XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written 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 2022-07-20 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: MI

Complaint narrative:
XXXX and equifax has refused to take car loan off my credit report after I have proved it was fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
Experian and XXXX has refused to take car loan off my credit report after I have proved it was fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  Bankruptcy Reference # : XXXX XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.

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 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act XXXX  account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am a minor ( XXXX XXXX XXXX ) and I was XXXX when this debt was apparently made. I never signed a contract with Radius or XXXX XXXX and Im not legally able to! My parents never did either and its only my name on the letter.

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for XXXX XXXX XXXXXXXX XXXX 
I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with XXXX  XXXX XXXX perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im disabled, on disability, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know portfolio recovery services have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any XXXX XXXX XXXX on my reports so thats false information and scamming beside the fact these companies continue to harass me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts portfolio recovery wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY XXXX XXXX XXXXXXXX account in years years beside which Im income contingent, unemployed, disabled and their ruining my credit further Im trying to fix where not to XXXX XXXX XXXXXXXX or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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

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 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I discover fraud on my account XX/XX/XXXX, for XXXX when the person who purchased our condo received mail from us and accidentally opened the letter to discover a returned check from our XXXX then another XXXX was taken out of our XXXX account and then sent to XXXX. What we were able to intercept both those charges and stop them. In doing my taxes this week. I discovered that in XX/XX/XXXX that once again XXXX took {$5000.00} of our money in XXXX unauthorized contributions from our XXXX account. A separate deposit, XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX each for {$2500.00}. I called him right away and they gave me the runaround I was on hold for XXXX XXXX hours back-and-forth finally it turns out that theyre holding {$2000.00} of my money as of yesterday they had lock down the money and lock my account they never sent me any statements and never notified me that they were holding {$2000.00} and when the risk XXXX and I were working on the fraud case on XX/XX/XXXX, the risk officer never went back to XXXX to see that more fraud had taken place for the XXXX  {$5000.00}. This is absolutely unacceptable that our account was hacked in this way, More over, I have the fraudulent check made out to a XXXX XXXX in XXXX XXXX only because they messed up the address and it was returned that is the check was returned to my old address of which I am holding. A police report was filed by today it seems like nothing has been done

Company response to consumer: Closed with explanation