vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
In, accordance with the Fair Credit Reporting Act Transunion Consumer Services has violated my rights. Inaccurate reporting 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 ( Transunion ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater .Fraud accounts are XXXX XXXX XXXX : {$6400.00} open date : XXXXTransunion has reported on my credit report.i did not consent nor authorize Transunion or this company to run my credit or use my social security number. Fraud Inquiries are 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I would like to be reimbursed {$1000.00} per violation. Transunion and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have fraudulent accounts and fraudulent inquiries showing up on my credit report. I have asked TransUnion to remove them before with no help And today I spent another hour of my time asking for help. The lady that I was asking to help me with my issue said she couldnt help me and refused to connect me to someone that could help me. The agent was no help at all. 

There is an account from a place called XXXX XXXX showing up on my Transunion Credit report that is not mine. It says the following XXXX XXXX Account # XXXX opened XX/XX/XXXX {$510.00} balance Collection account. 

This is all inaccurate. I have never opened or had an account with this company. I have never spoken to anybody from this company nor signed any documents or contracts with them. I haves never applied for credit with this company.. I want this. Account removed from my credit profile immediately and permanently. 

The other account that is showing up has been disputed several times to be removed from my credit profile and TransUnion has refused to to help me. That account is as Follows XXXX account # XXXX Date opened XX/XX/XXXX Charge of of {$1100.00} I have never used XXXX XXXX services so Neither of these accounts are mine and are in direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681 I have consulted with an attorney and we will be filing a lawsuit pertaining to both of these fraudulent charges against TransUnion if these accounts are not removed immediately and permanently as they are both inaccurate and fraudulent. We will also be filing for TransUnion to reimburse for all attorneys fees and court costs. 

And there is 2 fraudulent inquiries on my credit report that were illegally done they are as follows XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JHL, LLC
State: TX

Complaint narrative:
We purchased a new construction home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The closing date of the house was estimated to be somewhere in XX/XX/XXXX. The day of the final inspection on XX/XX/XXXX, we found that the roof of the garage was leaking due to the heavy rain that day. We suspect that XXXX covered up the fact that the house had a leak issue because there was paint streaks that lined up with the water stains that appeared on the walls. These pictures are documented in the inspection report. 

After reporting this issue with XXXX on XX/XX/XXXX, that very same day we received an email from XXXX 's sales manager stating that we have to close on the house in 5 days or else XXXX would cancel our transaction. We believe pushing a customer to close on a damaged house that impacts our safety is not ethical. We've expressed with XXXX that we will not close on this house and requested a full refund of the earnest money of {$14000.00}. XXXX denied our request to return the earnest money.

We need your help with returning this earnest money. 

Thank you.

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 2024-12-31 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: AR

Complaint narrative:
To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX Fraudulent Account XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Inquiries XXXX. XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, 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 2024-12-31 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: AR

Complaint narrative:
To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX Fraudulent Account XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Inquiries XXXX. XXXX  ( XXXX XXXX XXXX, XXXX, PA XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX ( XXXX XXXX  XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX morning my XXXX Credit report alert went off for a supposedly XXXX dollar balance that was supposedly 30 days late. I had already paid this even though my account was paid in full on XX/XX/year>. I dont use this XXXX XXXX very often. But, I paid the XXXX dollars prior to the thirty days bc I dont trust XXXX  The manager I spoke to told me that she submitted some type of urgent update to totally remove the negative false information. She said in 24-48 hours it should be clear. As of today it still isnt corrected. I called witch manager at XXXX today and she basically called the other manager a liar and told me to contact the credit bureaus. She was XXXX help and honestly didnt care that this is going to ruin me. I contacted XXXX and things went from bad to worse. The guy was a complete XXXXXXXX  and told me he couldnt do anything. This is the only negative thing on my credit and it dropped my credit score from over XXXX to XXXX. I farm and Ive got two term loans up for renewal in a week. My personal and business are mixed. This is going to ruin me business wise. I dont know if the bank will even renew them and this is land notes. PLEASE, help me get this removed ASAP! I filed disputes with the credit bureaus but honestly this has been a joke.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX morning my XXXX Credit report alert went off for a supposedly XXXX dollar balance that was supposedly 30 days late. I had already paid this even though my account was paid in full on XX/XX/year>. I dont use this XXXX XXXX very often. But, I paid the XXXX dollars prior to the thirty days bc I dont trust XXXX The manager I spoke to told me that she submitted some type of urgent update to totally remove the negative false information. She said in 24-48 hours it should be clear. As of today it still isnt corrected. I called witch manager at XXXX today and she basically called the other manager a liar and told me to contact the credit bureaus. She was XXXX help and honestly didnt care that this is going to ruin me. I contacted XXXX and things went from bad to worse. The guy was a complete XXXX and told me he couldnt do anything. This is the only negative thing on my credit and it dropped my credit score from over XXXX to XXXX. I XXXX  and Ive got two term loans up for renewal in a week. My personal and business are mixed. This is going to ruin me business wise. I dont know if the bank will even renew them and this is land notes. PLEASE, help me get this removed ASAP! I filed disputes with the credit bureaus but honestly this has been a joke.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.

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 2024-12-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I XXXX XXXX NEVER GAVE ( XXXX, EXPERIAN OR XXXX ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISMONMENT IN ADDITION TO CICIL LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To whom it may concern, The late payment was issued in XXXX and was expected to be removed in XXXX. However, the credit bureau and the credit card company ( Bank of America ) do not have an accurate removal date and did not furnish one after many requests.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
My ex and I got a car in XX/XX/XXXX when I was XXXX XXXX XXXX without a job. In XX/XX/XXXX I lost my job and the other party took possession without paying anything and hiding it out and let interest pile up. It started out with XXXX XXXX who illegally garnished my wages in XXXX and then in XXXX XXXX XXXX the individual passed away. The loan was then was taken over by XXXX XXXX and aassociates and then eventually switched over to Velo Law. I have paid XXXX  on this debt. Then, in XXXX ran a vin search to find out the car was crushed in XXXX XXXXXXXX in XXXX. Interest is still accruing and will not provide me with a copy of the summons and complaint. As well as the courts have told me they can provide it because the debt is " too old. '' Someone explain. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I used Lexington Law to fix my credit I never seen anything fix

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I was recently made aware of an account that was opened in my name ; however, I have no knowledge of this account or its activity. I believe I am a victim of identity theft, as I did not authorize or initiate the creation of this account. I request that this matter be investigated promptly, and any fraudulent activity be addressed accordingly. This needs to be resolved and removed from my credit report 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 explanation
Consumer complaint received 2024-12-31 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: U.S. BANCORP
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX, I was informed by a third party that Elan Financial Services wanted my contact information with concern of a financial matter. I personally reached out to Elan Financial Services for further explanation. At that time, I was informed by Elan Financial Services that their records reflected myself as a responsible party for an outstanding debt of approximately {$11000.00}. Elan Financial Services, at that time, was made aware that I had no knowledge of this alleged debt. I then promptly requested a dispute of the matter, along with all relevant documents, and provided my contact information ( phone, email, and address ) as none was on file to provide the requested documents. I'm still waiting.

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