vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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.

This company responded to the last complaint with out providing proof of written authorization and is Illegally using my credit report. I demand proof that these account ( s ) are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
I can not believe I have to keep dealing with this, my identity was stolen and was used to open account with a bank which is reporting on my credit report as XXXX XXXX XXXX. I do not know who opened this account nor do I know how my identity was stolen. This account was opened on XX/XX/2022 and the account number is XXXX and the stolen amount is XXXX. I need this account blocked and deleted off my credit report immediately. I have even tried getting in contact with the company however I was told the account was sold off to another company and when I call that company they tell me something completely different. It's like i am a toy to these big corporations. I need this removed ASAP, I can not wait any longer this is unbeilable.

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 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to file a claim against XXXX, XXXX, and TransUnion to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct on XX/XX/23. XXXX responded stating that all information was removed and requested XXXX, XXXX, and TransUnion to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-05-17 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: TX

Complaint narrative:
I would like to file a claim against Experian, XXXX, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct on XX/XX/23. XXXX responded stating that all information was removed and requested Experian, XXXX, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have already paid this card off twice. This company makes it hard to even make the payments, because it was through Ulta, and theres always an issue online, which is the only way you can pay it. This account was closed out after I paid this off the first time. I paid it off again because it was reopened and I was tired of my credit score being ruined and tried to fix it, again. They closed the account once more. Then they sold it to the debt collection agency that likes to harass me now. They didnt give them the full history of my transactions or payments and this current company is still asking me for money. When I have asked for statements in the past, they only send me a couple months worth, despite the card being open for multiple years. I have bank statements proving all the payments I made and it was accepted, so why is this still being continually opened in my credit report? Why are you still trying to get more money from with with only a few months worth of transactions. Thats not all of them. All the evidence shows up under their reviews online. Im single mother who is also a XXXX XXXX survivor. Im currently in XXXX  full time and its sick that this company prays on people like me. This company has made my already traumatic life even more traumatic because I cant do anything with my credit score being ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-05-17 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: DC

Complaint narrative:
I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active XXXX  student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. Transunion have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

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 2023-05-17 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: DC

Complaint narrative:
I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of educationXXXX XXXX  off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: DC

Complaint narrative:
I have recently reviewed my credit report with XXXX XXXX, XXXX, Experian and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

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 2023-05-17 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. XXXX, XXXX : # 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 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 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
This whole situation was initiated by Harmon Law Offices on behalf of XXXX XXXX XXXX XXXX. Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/ I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX ( XXXX ) XXXX and with mobility as well as XXXX XXXX problems highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/XXXX  is XX/XX/XXXXXXXX XXXXAny attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/ XXXX This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/XXXX XXXX for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX  XXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to XXXX XXXX for profit of this elderly XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early mourning XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short XXXX XXXX for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX coming to my door to terrorize me on XX/XX/ as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Contacted all credit bureaus in regards to Bankruptcy being on my report for XXXX XXXX yrs. Per my bankruptcy court they did not provide any credit bureaus with my bankruptcy info. I disputed & opt out of XXXX XXXX & XXXX. XXXX XXXX XXXX has already removed the only problem Im having is with Experian. Its has been nearly 10 yrs. I am workin on my credit & the bankruptcy is hindering me for advancing my future. Being a victim of the XXXX pandemic I need some assistance with gettin this matter cleared. I thought statue of limitations was 7 yrs.

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 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX, and I am pleading with you to remove them 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 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I had storm damage to my home and was issued a check to my contractor immediately by my carrieXXXX, XXXX XXXX. I sent endorsed check, along with the contractor 's report and signed proposal between myself and the contractor, along with an {$11.00} prepaid, stamped, addressed envelope to send back to me. My mortgage company received this package on XXXX The events that have unfolded have been a total nightmare with Shellpoint Mortgage. They will not endorse the check and return to me as they state my account is delinquent. It is not. I am in an active XXXX XXXX bankruptcy. I have talked to over 7 people, including a supervisor in the XXXX XXXX Department who has told me a different story - that I was late in 2020 and because of COVID restrictions, they can not release the check to me. His name was XXXX XXXX. I didn't even have my mortgage with Shellpoint in XXXX. Every single person has told me different information. I was also told my XXXX XXXX that his department didn't deal with this, to call customer service but that I needed to pay for an appraisal! I explained to XXXX XXXX that I should not be penalized for being in a XXXX XXXX bankruptcy and that I was not comfortable signing a new proposal with the contractor as I am going to be the one who gets sued when they do not receive their money timely. Given what has transpired to date, how can I believe anything they are telling me? 

Further, they received my package on XXXX and it is now XXXX and was told none of this when I first called on XXXX to make sure they received everything. This is the most incredibly inept, deceptive mortgage company I have ever been involved with. 

I am attaching a PDF document outlining dates as well as names as the events have unfolded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation