vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
I co-signed on a credit card issued through Discover for my daughter. My income and credit score was used to approve the account. I was not notified that my daughter had failed to make payments and was not given the option to make the missed payments. My mailing address was used for the credit application and did not change at any point. I have not received privacy disclosures or any correspondence related to consumer protection notices. 

The account was marked as late over 30 days and negatively affected my credit score by XXXX points. Discover should not allow for only XXXX person to receive notices of late payments or privacy notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
XXXX XXXX IS REPORTING ON MY CREDIT REPORTING INCORRECTLY AND CREDIT BUREAUS KEEP FALSE VERIFYING AND REINSERTING ON MY CREDIT REPORTING WITHOUT PROPER NOTIFICATION. ACCOUNT HAS BEEN IN DISPUTE OVER 6 MONTHS AND CREDITOR AND BUREAUS HAVE FAILED TO REPORT IN DISPUTE. ACCOUNT DOES NOT REPORT DATE CLOSED OR DATE OF LAST PAYMENT. DATE OF LAST ACTIVITY HAS BEEN UPDATED TO CHANGE PURGE DATE OF ACCOUNT. XXXX XXXX FAILED TO PROVIDED ME WITH LEGAL DOCUMENTS OF MY STATE WHEN A CAR IS REPOED. THIS ACCOUNT SHOULD BE PERMANENTLY DELETED BECAUSE IT IS IN VIOLATION OF THE FCRA AND CREDIT REPORTING RESOURCES GUIDE.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Transunion 's failure to respond will result in the complete deletion of all items on the reports. Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Balance {$13000.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$10000.00} Opened Date XX/XX/XXXX XXXX Balance {$440.00} Opened Date XX/XX/XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
It has come to my attention that I never gave consent to Experian or XXXX permission to furnish the following information : XXXX XXXX XXXX Account # : XXXX. This information was put on my credit report illegally. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. These companies were notified of this violation and must take steps to correct it. XXXX already deleted this unlawful account. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : 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 explanation
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
XXXX XXXX IS REPORTING ON MY CREDIT REPORTING INCORRECTLY AND CREDIT BUREAUS KEEP FALSE VERIFYING AND REINSERTING ON MY CREDIT REPORTING WITHOUT PROPER NOTIFICATION. ACCOUNT HAS BEEN IN DISPUTE OVER 6 MONTHS AND CREDITOR AND BUREAUS HAVE FAILED TO REPORT IN DISPUTE. ACCOUNT DOES NOT REPORT DATE CLOSED OR DATE OF LAST PAYMENT. DATE OF LAST ACTIVITY HAS BEEN UPDATED TO CHANGE PURGE DATE OF ACCOUNT. XXXX XXXX FAILED TO PROVIDED ME WITH LEGAL DOCUMENTS OF MY STATE WHEN A CAR IS REPOED. THIS ACCOUNT SHOULD BE PERMANENTLY DELETED BECAUSE IT IS IN VIOLATION OF THE FCRA AND CREDIT REPORTING RESOURCES GUIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!

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 2021-11-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-29 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:
I never gave consent to Experian to furnish the following information. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. This company is now notified of this violation and must take steps to correct it. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX Experian is in violation for furnishing information while violating the FCRA. They have failed to provide any form consent from my part because I never gave consent.

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 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have a open chime bank account for years and back XX/XX/2021 as soon as the irs deposited my stimulus payment chime closed my account and I sent many email without resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} Charge Off : XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00}

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 2021-11-29 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: Lending Club Corp
State: HI

Complaint narrative:
LENDING CLUB BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM LENDING CLUB OR FROM XXXX. XXXX OR XXXX, LENDING CLUB BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We sold our house on XX/XX/12 to XXXX almost three weeks ago and the XXXX XXXX XXXX XXXX, has not paid off our mortage with Rocket Loan 's. Now we have two mortgages and I am not getting any response from the XXXX XXXX. Rocket Mortgage is still taking out payments for the first mortgage and some of it is being applied to the interest that is accruing because of either XXXX XXXX not paying Rocket Mortgage or Rocket Mortgage not updating our account balance. We are not sure if XXXX XXXX failed to send the payment or if Rocket Mortgage failed to post it. Here is the information for XXXX XXXX. 

File Number : XXXX OD : XXXX FS : XXXX XXXX - Acquisition - XXXX XXXX  : XXXX XXXX - Acquisition - CM XXXX XXXX XXXX Escrow XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have several time through mail and phone customer services to correct an invalid and erroneous information in 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 explanation