vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE REMOVE FROM MY ACCT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE REMOVE FROM MY ACCT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the XXXX entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this XXXX should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2024 I looked at my report and noticed information was reporting that shouldn't be on my report.

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have edivence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have received a copy of my consumer report from XXXX XXXX XXXX and I have received copies of my XXXX, transunion, XXXX XXXX reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me sever trauma and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have received a copy of my consumer report from XXXX XXXX XXXX  and I have received copies of my XXXX, XXXX, equifax consumer reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me sever trauma and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law.

I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law. 
I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX of XXXX, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goesXXXX XXXX XXXX never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but XXXX XXXX  repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact XXXX XXXX but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a XXXX either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: TX

Complaint narrative:
This company attempted to call me but did not disclose why they were calling me. I do not believe they are legitimate. I called them directly and they would not disclose that they were a debt collector or provide any verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The secured card that I have from XXXX XXXX  has stopped reporting my updated payment information for the month of XXXX to all XXXX credit bureaus. I've provided documents showing statements of on time payments, and lack of updated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone keeps changing my recovery login information in my Experian credit profile. Each time I call and enter my social security number to verify my identity, I get sent to an unanswered loop. I have to block my number out and not enter my social security number in order to get a live person. When I dial the number from my last credit report, I am told that the information has been corrected. Then I get an email from an old email address telling me to log in with my. name misspelled. When I go to reset the password, it is sending a code to an email address at XXXX. The first representative said that it was an experian email address that was added. The phone number recovery was changed to XXXX XXXX XXXX XXXX. Neither one of these is my contact information. I only have 2 email addresses that I would have used. My first name last name at gmail, then the one listed on this report. Then when I called to complain about it to member services, I get left on hold then someone picks up the phone and hangs it up, or I am asked questions that don't apply to me to prevent me from correcting the information. I asked for a supervisor the first time and was told that they didnt have supervisors, and then I hang up and call back to ask for a supervisor and I get transferred back to dispute department. My identity was stolen in XXXX of XXXX  and my credit took a hit due to the fact that I was locked out of all of my online accounts for over a year and a half. Now when I call experian, I get transferred, then they either hang up on me or they send me to some foreign call center, or some foreign person with dogs barking in the background, asking for my social security number and all of my identifying information, just to tell me they can't help me and send me back into the queue. Note, I have to KEEP giving them information when my identity was already stolen and utilized. Meanwhile I am getting these emails to an old email address, with my name misspelled, asking me to log in to my experian account with information that isn't valid. I have complied with all of the requirements to verify my identity, but no resolve. I will be filing a civil suit against experian and requesting a subpoena for records. I want this fixed NOW, and I want to know who is responsible for changing my information to an experian email address for the verification code. I also want a history of who accessed my personal information to log in and change it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A notarized affidavant was submitted after the initial complaint was filed. Another was submitted on or about XX/XX/year>. As a result, another stall letter and statement was sent to me. 

Once again, as this company can not and HAS not provided accurate validation that this account belongs to me, I am demanding that this account be removed from my credit reports. 

This account does not belong to me and there has been no proof provided that shows that the account is mine. 

There is not sufficient evidence to support that this account belongs to me as I have stated this is a case of identify theft where my personal data that XXXX is referring to in their second response was compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Failure to Disclose Appendix XXXX H : It has come to my attention that the documents provided during the mortgage transaction process failed to include Appendix XXXX H, as required under 12 C.F.R. 1026.37 ( g ) ( 4 ). This failure to disclose important documents constitutes a serious breach of regulatory requirements and compromises the transparency and completeness of the transaction. 

RESPA Violation : Furthermore, there have been apparent violations of the Real Estate Settlement Procedures Act ( RESPA ), specifically regarding the disclosure of crucial information related to mortgage transactions. The failure to disclose essential details as mandated by RESPA raises serious concerns about the fairness and legality of the transaction. 
Failure to Disclose Mortgage as Security and Investment Contract : It has been observed that there was a failure to disclose adequately that the mortgage associated with the property in question is a security and an investment contract. This lack of transparency regarding the nature of the mortgage undermines the rights and protections afforded to all parties involved and may have significant legal implications.

Company response to consumer: Closed with explanation