vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX  XXXX XXXXXXXX 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 ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX  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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2022-02-23 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX  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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit has been contacting me concerning a credit account that I do not have with them. They have made XXXX calls and filed suit in small claims court in XXXX without properly notifying me of a suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XX/XX/2012, XXXX XXXX account XXXX, XXXX BANK account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : 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 2022-02-23 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: MI

Complaint narrative:
Ive written numerous letter to TRANS UNION since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that TRANS UNION received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can TRANS UNION keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

TRANS UNION do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Its been well over 30 days and my demand for these items to be removed have not removed at all.

TRANS UNION took information from someone else other than myself and reported it to my consumers credit report. TRANS UNION and the companies liable are committing identity theft/fraud. Thats aggravated identity theft!

( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!!

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that TRANS UNION has broken. 

TRANS UNION knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; I DO NOT HAVE TO REACH OUT TO A THIRD PARTY COMPANY IN ORDER FIR TRANS UNION TO REMOVE THESE INQUIRIES. TRANS UNION HAD NO PROBLEM WITH REPORTING NEGATIVE INQUIRIES TO MY REPORT. I ALSO DO NOT HAVE TO MAKE A POLICE REPORT. TRANS UNION AND OTHER PARTIES ARE THE ONES COMMITTING FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-23 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: NC

Complaint narrative:
My Experian XXXX XXXX was XXXX on XXXX XXXX XXXX 
I received notice on XXXX XXXXXXXX XXXX from Experian that my score had decreased. 
I logged into the Experian website and found my score had decreased by XXXX points. 
I reviewed the Experian website and determined that nothing had changed. 
I filed a query with Experian on XXXX XXXXXXXX XXXX ( ref : XXXX ) to determine what information they had received causing this change and what organization had supplied this information. 
They responded that they could not provide credit counseling and listed common causes for changes to credit rating. 
I responded that I was not interested in credit counseling and only wanted to know what information was supplied to them and what organization provided it so I could address this issue with that organization. 
I have exchanged XXXX emails with Experian about this issue with no information provided. 
Experian has continued to ignore this request for information they received affecting my credit rating. 
Experian receives information and adjusts the credit rating accordingly. I simply want to know what information they received and from what organization they received it.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
The first phone call I had with I.Q Data International Inc. was a year and a half ago horrible experience. The lady got so rude because I wanted to make payment arrangements because I couldnt pay the full amount of {$540.00} and she wanted the full amount paid. Claiming I had enough money to pay according to her calculations because she knew what my monthly expenses were. She was demanding repeatedly I pay with my credit card I told her I wasnt going to do that and since I wasnt getting anywhere with her I hung up. Months later I got on the phone with them again and this time it was a man and the same thing happened and once again I hung up the phone. I thought this can not be the way they treat people so I called again same situation asked to speak to someone else and it just got worse and so I hung up the phone again. In XX/XX/2022 I got a letter the amount is now {$620.00} the letter says I can settle by up to 30 % if I pay by XX/XX/2022 so I called today ( XX/XX/2022 ) I told the man that answered I got a letter saying I could settle the account for 30 % he says you can do that or you can pay the full amount and have it removed from your credit? I said no I want to settle he says I have to see if you qualify for hardship ( no where in the letter it says that I have to qualify and get approved for that 30 % ) he went on to ask me how much was my rent, car payment, monthly credit card bill, and if I got a personal loan I said yes, he also asked if I was collecting unemployment I said no. Told me to hold on he came back on the line and asked again if I wanted to pay the full amount and have it removed from my credit told him again no, then he says its {$520.00} told him I couldnt pay that then his tone of voice change asked me how much I could pay, I said {$200.00} and he got more aggressive and loud saying thats not even 30 %? 30 % is like {$400.00}? this is why you dont qualify for hardship because you refuse to pay. Pay with your credit card and be done with it I said no Im not using my credit card. He says you got a personal loan why didnt you pay it? I said I had to use the money for something else ( got this loan a few months after COVID started to pay rent because I was unemployed and my husband work was very slow ) and he says in a very harsh voice Im not here to hear your excuses! At this point I had enough and hung up the phone. I have made several attempts to pay them but instead they get so aggressive, rude, demanding, trying to intimidate me by the way they talk because they want to force me to pay the full amount with my credit card. They sent a letter and dont want to honor what they say. The letter says to call in order to secure the offers instead they get you to try to pay the full amount and if you disagree they insult you in anyway they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.

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 2022-02-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.

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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: MN

Complaint narrative:
Have not received XXXX for closed loan ending XXXX. Contacted CMG through the portal on XX/XX/2022 requesting document status. Received reply on XX/XX/2022 that the document center was not available and XXXX had been mailed. 

Sent second inquiry on XX/XX/2022. No response. 

This document is needed for tax filing and the respondent is required to send it if interest paid is over {$600.00}. Interest paid on loan ending XXXX was over {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
For months I have tried to resolve issues XXXX raised about my XXXX forgiveness process, but their communications are inaccurate, confusing, and vague. Today I received a document that said I didn't qualify for XXXX ( traditional -- I knew that ), but I might qualify for XXXX. Again, I knew this. I consolidated my XXXX loans to Direct Loans as directed, and I received confirmation that my employment was approved. What more is there to do? Why more confusing communication? 

Further, the document sent today has my current employer listed with an " end date '' of XX/XX/2021, the date they received my employment information I suppose? But it clearly says in my application this is my current employer ; I am a teacher at this school. 

I know I have more than XXXX months of public service. In fact, I've never worked anywhere but the federal government or a non-profit. Why is XXXX doing this to us? This is sheer incompetence. This process should not take so long. My loans were consolidated months ago! I hope to get resolution to this process ASAP. I am feeling very strung along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation