vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: SC

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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX 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 instruction 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 2022-04-21 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: SC

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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX 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 instruction 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: D&A Services, LLC
State: FL

Complaint narrative:
I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with XXXX XXXX XXXX  I am filing this complaint on my own behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: VA

Complaint narrative:
I have written several written to TransUnion to remove several inquiries on my credit report that I didnt authorize. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My phone was compromised by XXXX XXXX XXXX around XXXX of XXXX. He got into my email, my bank accounts ( USAA, XXXX XXXX ) including payment platforms and my cell service accounts. He used my phone and number and other identification to order 5 phones on my XXXX XXXX. He used my XXXX XXXX  and USAA credit card accounts for various activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-04-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed Experian is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts and inquiries immediately. 

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' - XXXX  XXXX  ( XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX ( Fraudulent Inquiry ) - XXXX  XXXX ( Fraudulent Inquiry ) - XXXX XXXX ( Fraudulent Inquiry )

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 2022-04-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights 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 2022-04-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, and XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is DEPTEDXXXX balance account # XXXX 90 days late in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2022-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
XX/XX/XXXX received notice of property tax delinquency. Mortgage company did not pay my winter taxes for XXXX from my escrow account. Phones and emails have not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX Last Reported TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX High Balance TRANSUNION {$37000.00} XXXX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your 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 non-monetary relief
Consumer complaint received 2022-04-21 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was seen by XXXX XXXX XXXX  XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - one visit among many. XXXX XXXX humiliated me and when they send me > {$500.00} in bills, I contested it with my health insurance company. My insurer paid the costs completely for my troubles and for the pain and emotional distress they caused me. Today, XX/XX/XXXX, I was notified that {$180.00} of that bill was sent to collections, with my credit taking a hit and digging up this past trauma over expensive for an experience that has been paid for time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In accordance with Fair Credit Report act XXXX inquiries accounts from unknown source as violated my right.

15 U.S.C 1681 Section A-States i have right to privacy.

15 U.S.C 1681 Section 2-States also a consumer reporting agency can not furnish a account without a written i
nstruction.

Inquiries not authorized but on my credit report Equifax Credit Report XXXX, XXXX dates are XXXX XXXXtwice on that date,XX/XX/XXXXtwice on that date XX/XX/XXXX date XX/XX/XXXX XXXXtwice on that date againXX/XX/XXXX-XX/XX/XXXX XXXX XXXX  TWICE ON XX/XX/2021 AND AGAIN XXXX, XXXX TWICE ON XXXX XXXX AND AGAIN XXXX XXXX XXXXTWICE ON XXXX XXXX I AM TIRED OF WHOEVER THESE ARE CAUSING INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION OR WRITTEN INSTRUCTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

Complaint narrative:
Someone ran my credit without my permission and dropped my score XXXX points!! 
Equifax, XXXX, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

Complaint narrative:
Someone ran my credit without my permission and dropped my score XXXX points!! 
XXXX, XXXX, and Experian I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...

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 2022-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is XXXXXXXX balance account # XXXX 90 days late in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I logged into my Barclays account at https : //cards.barclaycardus.com/. I was able to view my account balance, payment history, and more as I have been able to since opening the card. Please note, the card was closed back in XXXX ; however, this has not prevented me from accessing my account to make payments. 

After reviewing my account, I attempted to change my password as I received updated information from XXXX ( under " Password Settings '' ) that my password has been compromised due to redundant use. Therefore, I attempted to update my password. Eventually, after a few error messages I was able to successfully update my password but I could not access my account after being prompted to log in. I recorded the password both on my XXXX and via my XXXX but I received an error that my credentials were wrong. 

I attempted to use the " Password Reset '' feature but I was asked to provide the XXXX code ; however, I have not had the card for five years or more. The account is closed. 

I called customer service and they advised that since the account was closed, I no longer would have access to the account after six months from the closing of the account but this is not correct. I've logged into my account every month to pay my bill. To add, I've taken a more aggressive approach ; therefore, I make multiple payments each month. I advised that the information about me not having access was incorrect as I just accessed my account, saw that balance was about {$260.00} remaining and I experienced an issue only because of the password reset request. 

Although pleasant, the representative proceeded to attempt to collect a payment from me although I've already paid for this month. I am attempting to purchase a home and I need access to my statements for financing. The representative repeatedly advised that there is no fee to retrieve payment via phone ; however, that was not the goal of the call. 

I feel as though this violates a convenience or ease of payment methods to adequately manage my account. Additionally, this error may have occurred as a deceptive practice to force individuals to pay their account in full. I was about to pay but I was extremely upset with the alleged practice as I'm in finance. 

I've attached the confirmation advising that I have successfully changed my password, and other confirmation emails advising of credit score changes and payment activity in which they all prompt me to log into my account ONLINE to view all activity. This is contradictory to what the representative disclosed. The only document that does not prompt me to log into my online account is the password confirmation email.

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 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX or XX/XX/XXXX I received letter from MCM collection company that it says I owe {$26000.00}. 
I contactact them it is an unknown account and I don't owe any credit card company 's money. 

After that call, they send me the documents that XXXXXXXX XXXX total amount of I owed in XXXX and Judgement documents. 
And XX/XX/XXXX They sent me a another letter that they had reinvestigated but I still have to pay for which is that I don't agree. 
What can I provide to them to clear this dept charge? 
I don't even received any statement from XXXX XXXX before. 
I don't have anything to provide to them. 
This must be a frouded account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.

Company response to consumer: Closed with explanation