vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXXXXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX  XXXX XXXX Inquired onXXXX XXXXXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts

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 2022-07-15 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
My credit has already been effected for 7 Years, since XX/XX/XXXX because of this collections agency for a bill that isn't even mine. Now they rereported last month to effect my credit another 7 years. 
CLLCTIONSUSA : XXXX XXXX XXXX XXXX. 

I have own my own home since XXXX, multiple homes in fact. I rent properties out. I do not have use for an apartment. 
You can bet I will now be contacting EVERY NEWS STATION to report on this situation that XXXX XXXX XXXX XXXX  is nothing but a swindling company. 
Along with CLLCTIONUSA for their inhumane and illegal practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  XXXX  ACCT. # XXXX DEPTEDXXXX XXXXCCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX  ACCT. # XXXX USDOE/XXXX  ACCT. # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 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 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 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 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX 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 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 2022-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have a 2nd mortgage with a {$31000.00} balloon payment that was due last XXXX. I was unable to secure financing because my XXXX mortgage was in forbearance. My lender SLS didnt offer me any options to additional financing or paying till I find financing. I continued to make the payments until XXXX when SLS refused to accept payments and terminated my automatic payment withdrawal from my checking account. A month later I started getting collection notices and calls, also someone there referred me to a HUD program that Ive had trouble fitting my situation into. Concurrently I was able to end the forbearance with the XXXX mortgage in XXXX with a new agreement with XXXX XXXX. While I was clearing forbearance from my credit report SLS started reporting the delinquent payments. 

Now here I am my credit score has dropped XXXX points and no one will lend me the money I need nor will they refinance my mortgage. Ive tried to use the Hud assistance I was referred to by the lender. I get collection and foreclosure notices on one call then I call and get referred to an agency and more forms. Im bombarded with calls with lenders who cant loan me money. I have the means to pay my mortgage like Ive done for the last XXXX  years. SLS has destroyed my credit can they now somehow take my property? Im caught in the middle with nowhere to go. If they would clear the late payments from my credit report I can get a new loan ( since Im no longer in forbearance ) or they could accept my payments and it would be paid off in time. Why are they doing this to me? Can anybody 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 explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
We have an account with XXXX XXXX. The account card company is Genesis FS Card Services. They have recently bought the XXXX credit card. We get a bill and our due date is the XXXX of every month. We pay it on or before the date, a day or so early. We noticed we are charged a {$30.00} late fee every month. When we called we were told that if you don't pay it 5 days before the due date you are charged a late fee because it takes 3-5 days to process. Why have a due date then? Also, we did not have this problem before the buy out. They told us they have zero grace period either. I want everyone to know that Genesis is a scam. It's not XXXX 's fault totally but being charged XXXX every month when paid on time is outrageous. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Validate this inaccurate report 3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX XXXX, XXXX. 
Account XXXX : XXXX Validate this inaccurate report. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
After recently obtaining and examining a copy of my credit report with Equifax, I notice that there are unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF XXXX XXXXXXXX XXXX  XXXX Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give Equifax permission to furnish this information on my credit report. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer. 

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Received a text message on XXXX XXXX stating This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. No further information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  ACCT. # XXXX XXXX XXXXXXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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.

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 2022-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been disputing this account for the past year now and EXPERIAN still hasn't fixed this problem and i've been getting very frustrated with this errors on my credit report. I want to seek damages for financial injury for reporting INACCURATE information in my payment history. This has took to long and I need this done now. They have been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Experian stated my account was properly investigated but how is that even possible if the date of last activity is incorrect and the dispute status saying not disputed when I myself been disputing this account several times!!! 

Also EXPERIAN company has took more than 30 days to complete my investigation.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want thousand per violation that's reporting on this account or it needs to be DELETE IMEEDIATELY! 

XXXX OF 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 2022-07-15 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, 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 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 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 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 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

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 2022-07-15 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: LA

Complaint narrative:
I gathered my recent credit report from all 3 bureaus : TransUnion, XXXX and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, TransUnion and XXXX have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
so far XXXX falsely reported on my consumer report by first XXXX XXXX XXXX XXXX did not give consent. 
violations 15 usc 1681i must be removed -grave responsibility of accuracy 15 1681 c2- have 4 days for removal I have asked for it to be disputed, they only updated 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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I was send the letter to Trans Union to dispute all mine credit report. 
Now am still not response from trans union at all. 
I am call in trans union ask the customer service to explain to me, they will delete everything from mine credit but now still not delete. 
Trans union have not following by law.

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 2022-07-15 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: GA

Complaint narrative:
I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. Equifax did not due a proper investigation or provided me with the paperwork that they supposed to have that is required by the FCRA. They wrote me back the following month and said that it was reporting accurate when it's clear, it's not.They are continuing to report a charge-off every month. They are falsely manipulating the statute of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter along with the copy of the payment history proving that Equifax are in violation. I have also contacted the creditor and they have failed to respond numerous times. They are continuing to report false information on my credit report and are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
The credit bureaus stated my account was properly 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. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the 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 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