vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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: NY

Complaint narrative:
To whom it may concern I the consumer sent Transunion a letter on XX/XX/2022 demanding deletions of multiple accounts that were reported on my consumer report. I never gave any written instruction to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Transunion provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by Transunion to obtain my consumer information from XXXX XXXX and various sources violates15 USC 1692e ( 10 ). They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on a consumer report for me. I have tried multiple times to get Transunion to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Transunion on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a letter to remove this. I suffered from the obscene and profane language on my consumer report of alleged debts, late payments and collections. I also suffer from anxiety and XXXX because I'm unable to obtain insurance or housing. My family and I suffered from abuse from Transunion. By Transunion obtaining my consumer information without any written consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). 
Transunion knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to15 USC 1681q. My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without my consent so they can service their customers such as creditors, employers, insurance companies, landlord 's etc. This violates15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.

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 2022-08-20 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: MN

Complaint narrative:
I had a XXXX XXXX Credit card with XXXXXXXX XXXX 
I paid it off a few months back. paid in full! over XXXX dollars it was paid in full in one lump some. and it is still showing deliquent 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 2022-08-20 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: TX

Complaint narrative:
obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance

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 2022-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance

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 2022-08-20 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: CO

Complaint narrative:
I had a XXXX XXXX account. They marked me late on the last month of my loan. I asked for an accurate credit report. I still found inaccuracies when I pulled my report. 


In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also a customer 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 2022-08-20 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? 
Why isn't XXXX XXXX isn't reporting any payment history at all? 
How can I be on time in XXXX of 2021 with XXXX but 30 days late with Equifax? 
How can I be 30 days late with XXXX and 60 days late with Equifax in XXXX of 2021? 
How can I be 60 days late with XXXX and 90 days late with Equifax in XXXX of 2021? 
How can I be 90 days late with XXXX and 120 days late with Equifax in XXXX of 2021? 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following reported accounts has violated my rights : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 ( a ), states I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my 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 2022-08-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: PA

Complaint narrative:
Equifax is being false and deceptive. They removed an account from my report then reinserted the account without my consent. I did not authorize them to furnish this account XXXX XXXXXXXX XXXX XXXXXXXX on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
XX/XX/XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR XXXX XXXX FOR THE AMOUNT OF XXXX ... XX/XX/XXXX-I SENT A LETTER ASKING  TO VALIDATE THE DEBT ... XX/XX/XXXX NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XX/XX/XXXX.... AS TO TODAY, XX/XX/XXXX, IT HAS BEEN MORE THAN 30 DAYS.  I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XX/XX/XXXX.  THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS.  I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.  I WANT NELSON & KENNARD TO NOW FILE SUIT.  I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? 
Why isn't Trans Union isn't reporting any payment history at all? 
How can I be on time in XXXXXXXX of XXXX with XXXX but 30 days late with XXXX? 
How can I be 30 days late with XXXX and 60 days late with XXXX in XXXX of XXXX 
How can I be 60 days late with XXXX and 90 days late with XXXX in XXXX of XXXX 
How can I be 90 days late with XXXX and 120 days late with XXXX in XXXX of XXXX 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.

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 2022-08-20 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX  not supply that information to you? 
Why isn't XXXX XXXX isn't reporting any payment history at all? 
How can I be on time in XXXX of XXXX with Experian but 30 days late with XXXX? 
How can I be 30 days late with Experian and 60 days late with XXXX in XXXX of XXXX 
How can I be 60 days late with Experian and 90 days late with XXXX in XXXX of XXXX 
How can I be 90 days late with Experian and 120 days late with XXXX in XXXX of XXXX 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone tried to use an authorized user card on my account. It was not me or the authorized user. So, the company put a hold on the authorized user account. Days later they restricted my whole account without notifying me. I tried to call to resolve this problem and they tried to make me provide documentation I was not about to send after being a customer for many years. I paid off the entire balance immediately and tried to close my account and they are refusing to close my account. This restriction is causing all my automatic payments to not go through. This is causing me a lot of problems. I believe the capital one credit cards were compromised because I am not they only person this is happening to. Capital one is trying to cover up a hack. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: LA

Complaint narrative:
Ive had term oil & hardship from these inaccuracies on my credit. 
The open & close dates are wrong & its still reporting a balance all of which is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Card has a " Two '' payment only rule per day - I didn't know - when I tried to make a 3rd payment on the due date it was rejected, I contacted citi card thru chat and one rep ( XXXX ) told me he will do the 3rd payment on my behalf to avoid interest charges and keep a {$0.00} balance, I noticed, the following day, I still had a balance and contacted citi card again ( thru chat ), a second citi card rep ( XXXX XXXX told me my payment was still pending, my balance was " XXXX '' and I had nothing to worry about. on the third day, I received my new credit card statement and to my surprise, I saw a carry balance with interest charges. They lied to my face.

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 2022-08-20 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
The lease XXXX XXXX XX/XX/XXXX signed was the name of the account opened. I was added as an extension to get a parking pass for guests. The lease ended in late XXXX between XXXX, and was not eligible for lease renewal. The debt was transferred inaccurately to the wrong XXXX. There was a qualification for the lease I wasnt there for & a background check that I didnt do to open an account with the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This is what I sent the bank. They have not responded helpfully by any other means and don't really show any interest in stopping this. I'd like to close that account and more importantly recover my money. Thank you. 

Hello, I'm sorry but I did not make these charges. I've blocked the card, it was thrown out because it wouldn't work for me. I reported some other charges already. What should I do? Is it to late to reverse these? It looks like someone else has is using my card, I think my info must've be sold online. Please cancel my accounts. ally account # - XXXX I didn't make any of these charges : XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXX 'S # XXXX XXXX XXXX XXXXXXXX, NV, XXXX - {$43.00} Thank you. 
Best, XXXX XXXX I was scammed somehow I do not know how. It's no one I know. I haven't given my pin or card or anything other than normal shopping but nothing so expensive.

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 2022-08-20 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-20 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: LA

Complaint narrative:
Ive had term oil & hardship from these inaccuracies on my credit. 
The open & close dates are wrong & its still reporting a balance all of which is against the law

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