vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: NJ

Complaint narrative:
I received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries 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 2022-04-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # 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 XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm requesting a correction or deletion of the following information that appears inaccurate on my Equifax consumer report. I have already filed a dispute letter to Equifax regarding these inaccuracies dated XX/XX/2022, asking for an investigation, and I didn't receive any reply from Equifax. These items lack accuracy and completeness and have violated my consumer rights under the Fair Credit Reporting Act and as mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
I contacted Continental Finance credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
From XXXX, I filed a dispute with XXXX, XXXX and Transunion about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX account number XXXX. There are two different high balances being reported. {$31000.00} on transunion and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. 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 non-monetary relief
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
From XXXX, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are XXXX different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. 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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my card during a major theft incident in XX/XX/XXXX. I was sent a text in between from chase to confirm a charge, which I reported that time, but I didn't realize that the credit card wasn't cancelled. Considering I have multiple credit cards even with chase, I didn't actively look into it after that. 

During this time, I accrued multiple charges from an apple account which doesn't belong to me and other sites. I was assured that these charges will be removed, but they only removed few charges on XX/XX/XXXX. When I called, they not only closed the case without informing me, but also reverted the charges on my account. I had to call to reopen the case XXXX  times and every time there was request for a new document ( Documents submitted so far : Police report, XXXX account details, XXXX family accounts, transaction history, etc ). 

Most recently, I was called by an agent who wanted more information which I provided, but again the case was closed without any further detail. 

Attached are generic case letters I received dating : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account XXXX : XXXX Has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a hard inquiry alert stating XXXX XXXX XXXX made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been working with XXXX since XXXX when I was in a XXXX XXXX. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or zero balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XXXX XXXX dont know last name purchased a necklace from XXXX XXXX, the loan is threw affirm inc. i found out because i did a credit pull to see about buying a house, and found out this was 4 months past due and i wasnt even me! The guy ( XXXX XXXX who purchased that necklace, the only thing i can think of him getting my social to be able to purchase that necklace was from my ex husband XXXX XXXX. This is hurting my Creidt and i wan na report fraud!! This was not me!! I have been calling and on phone with everyone nothing no one can do! I want something done!!! And off my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

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. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, has all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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.

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 2022-04-28 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: FL

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. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 has all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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.

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 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX loan transferred from XXXX XXXX XXXX. We were current with no late fees or fees of any kind on the account, have statements to prove it. 

XX/XX/XXXX received 1st statement from BAC homeloans stating we owed XXXX additional fees from previous servicer. There was NO nexplanation of what these fees were for, was not able to get any information at all what these fees were for and what generated them. 

XX/XX/XXXX call to make the monthly mortgage payment, was told we were behind in the mortgage payment and didn't allow me to speak to anyone until I made the past due balance from XXXX. Mindyou, the account WAS transferred in XXXX and there was NO record of us any longer with Shellpoint and no record at BAC so I could NOT make my payment on time. 

XX/XX/XXXX, " corporate advance fees '' is what I was told were added and disputed to have these removed which will take 15 days, reference number XXXX. 

XX/XX/XXXX, received XXXX statement with the " corporate fees '' still showing, was never dealth with from previous call in early XXXX. 

Many years ago, after the countrywide scandal and bank of America received a government bailout, we were supposed to be included in the Bank of America Debt Settlement Program. This was supposed to be paid to millions of home owners. This was then hushed away, the phone number disconnected and I could not get any further information about this program. Millions lost their homes. 

XXXX I requested documents of the Debt Settlement Program, have been stonewalled, dismissed whenever I asked about it. 

I also asked to physically " SEE '' an original, unaltered Deed of Trust to be provided to me, with a member of Bank of America, the XXXX XXXX XXXX  XXXX ( trustee ) and to meet me with this original Deed of Trust. My requests were dismissed, I was given the runaround, was told XXXX  XXXX didn't house this, BAC did and BAC said they only had a copy. 

XX/XX/XXXX, Was just told today, BAC only has copies of the Deed of Trust. 

I have previously complained to the CFPB about Bank of America, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX these records should be on file for further reference regarding the shady banking practices, excessive, unexplained fees.

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 2022-04-28 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: AL

Complaint narrative:
From XXXX, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are two different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on equifax. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you

Company response to consumer: Closed with explanation