vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-09-23 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:
There are accounts listed that are not mine. Please remove them.

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 2023-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are accounts listed that are not mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: IN

Complaint narrative:
Im attaching documentation of a paid debt and removal from credit report which is still appearing on my credit 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. There are also inconsistencies in the data being furnished. How can the date last active be different than what another bureau is reporting if all information should be complete and accurate? Furthermore, I was never sent correspondence notifying me that this account was sold to CAVALRY PORTFOLIO SERV which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. If this account is not removed and payment within 15 days, I will forward this information to my legal attorney so that this can be handled in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: VA

Complaint narrative:
Company is reporting false information on my credit report and is refusing to remove them.

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 2023-09-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Company is reporting false information on my credit report and is refusing to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2023, I reviewed my XXXX credit report and noticed that there were 2 accounts showing that I did not open and did not belong to me. I reached out to both companies XXXX Synchrony Bank, SYNCB/PPC and XXXXXXXX XXXX immediately and informed them that the accounts did not belong to me and it appears my identity was stolen. I provided my full name, full address, full social security number and I was told that they did not have an account in their system, that matched my personal information. I was then advised by both companies that I needed to submit a dispute against the accounts directly to the credit bureau. 

Per their instructions, I submitted the dispute to XXXX. The response from the dispute indicated that the information was correct, therefore nothing changed on my credit report. I then contacted the companies again, spoke to Synchrony Bank Fraud Investigation Unit ( XXXX ) and was told that they would close out the card and send me documents regarding the investigation. I was also told to complete the fraud investigation form and fax back to them ( at XXXX ). This was completed as well. 

I also contacted XXXX XXXX  again and informed them that the account was not removed from my credit report. I was then told to provide proof of the account that I am disputing. I then faxed a copy of the account as noted on my credit report to XXXX XXXX XXXX XXXX ( faxed # XXXX ). 

I also recently noticed that soon after I started the process, there was an address change on my XXXX and XXXX credit reports, which I did not authorize. I also disputed the address error. Additionally, the incorrect account is now showing on both my XXXX and XXXX credit reports. 

I also filed a police report with my local police department. 

There is currently a freeze on all three bureaus and a fraud alert was also placed. At this time I am waiting to hear back from both companies. 

This has caused a huge burden on me and I can not proceed with conducting my personal business and it is gravely affecting my credit. Any assistance you can provide in resolving this issue in a timely manner, 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 2023-09-23 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: NC

Complaint narrative:
On XXXX I requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/XXXX with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my 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 non-monetary relief
Consumer complaint received 2023-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously disputed information with the credit bureaus regarding my account with XXXX XXXX. The account was updated and is now showing as incorrect. It is showing I had over {$9000.00} charged off however, they sold the vehicle at auction and the remaining balance is {$3800.00}. 

The debt was sold to XXXX XXXX and is showing a balance of {$3800.00}. 

I am requesting that this debt be deleted due to being reported inaccurately. If this is not done, I will be contacting an attorney.

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 2023-09-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously disputed information with the credit bureaus regarding my account with XXXX XXXX. The account was updated and is now showing as incorrect. It is showing I had over {$9000.00} charged off however, they sold the vehicle at auction and the remaining balance is {$3800.00}. 

The debt was sold to XXXX XXXX and is showing a balance of {$3800.00}. 

I am requesting that this debt be deleted due to being reported inaccurately. If this is not done, I will be contacting an attorney.

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 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX was a told that someone from XXXX  called and asked me questions to open a new credit line, when I called XXXX they said no one from XXXX had called. Prior to incident I filed complaints with XXXX, they said they would take care of the situation, they did not it escalated, making it so I continually called them. After the incident the situation escalated at which time I filed reports with Gov agencies including the Cfpb. At this point XXXX admitted they had made computer errors, I I have this on tape and they had to manually fix the errors. They apologized but did nothing. I have not received anything from discover. Multiple identity theft reports were made since last year into this year.

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 2023-09-23 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: PA

Complaint narrative:
Over the past 5 years, I've been trying to dispute incorrect information that the reporting agencies are posting on my credit report. Ive never authorise the businesses that are posting debt item on my report, I've never conducted business with or ever communicated them with them. And each time I report to Equifax and XXXX they further post falsified information and report these items as new. I feel thru violating my rights, protection to privacy of my sensitive information and allowing falsified information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: NC

Complaint narrative:
On XX/XX/XXXXI requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/ with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following businesses and accounts violated my rights : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX  account number XXXX. 
Department of Education account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX XXXX # XXXX account number XXXX. 
XXXX  account number XXXX, and XXXX. 
XXXX XXXX XXXX account number XXXX. 

Employment information - XXXX XXXX XXXX XXXX XXXX. 

Hard Inquires : 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 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 2023-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I was approved for a COVID-19 loan forbearance due to loss of income because I was led to believe I would be able to obtain a modification as long as I could resume my normal payments at the end of the forbearance. This would either transfer the remaining balance to the end of my loan or divide it over several months and give me an opportunity to repay. When I regained employment I applied for modification and was denied any options other than balloon payment or short sale on the basis of my debt to income ratio. My debt to income ratio is virtually the same as what it was when I qualified for the loan originally. I have acquired no new debt and my income is minimally less in my new position than when I bought the home. 
The mortgage company is also refusing to allow me to make any loan payments until the total balance is settled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I purchased a vehicle and it was financed with Exeter Finance XX/XX/XXXX. Due to health issues that caused me to be unable to work, I did a voluntary Repossession XX/XX/XXXX. After this was done, I was notified by Exeter Finance that they sold the vehicle at Auction and they received over {$6000.00} for the vehicle. This left a deficit of approximately {$3800.00}. 

This debt was sold to XXXX XXXX shortly after and XXXX XXXX is showing on my credit report with a balance of {$3800.00}. 

I have constantly disputed this incorrect information with the 3 credit bureaus. Exeter updated the information on my 3 credit reports and they are stating {$9000.00} was written off. This is completely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: VA

Complaint narrative:
After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like XXXX, XXXX and Transunion, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information.

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like XXXX, XXXX and Transunion aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: VA

Complaint narrative:
After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like XXXX, Experian and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information.

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 
I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like XXXX, Experian and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-23 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation