vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX hard inquires, 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 an account without my written instructions. TransUnion Hard inquiry - XXXX XXXX XXXX XXXX XXXX Other.

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 2022-06-30 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: PA

Complaint narrative:
Went to court over the XXXX XXXX account XXXX and showed the judge my evidence that this account was not mine and if my information was used to open it, it was done in fraud. The judge agreed with me and issued a judgment in my favor. This needs to be removed. Despite that order for the judge, Experian and XXXX refused to remove the reporting and tradeline in fulls as ordered. They simply say the creditor verification says its mine. The courts say otherwise and yet this remains unjustly 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 explanation
Consumer complaint received 2022-06-30 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act COMENITYCB/ZALES Acct # XXXX, has violated my rights. 
They stated on my credit report that I was late in XXXX, but that's fraudulent and unfair to me. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: MIDFIRST BANK
State: NV

Complaint narrative:
My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, 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 2022-06-30 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: PA

Complaint narrative:
Went to court over the XXXX  XXXX account XXXX and showed the judge my evidence that this account was not mine and if my information was used to open it, it was done in fraud. The judge agreed with me and issued a judgment in my favor. This needs to be removed. Despite that order for the judge, XXXX and Equifax refused to remove the reporting and tradeline in fulls as ordered. They simply say the creditor verification says its mine. The courts say otherwise and yet this remains unjustly on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
A bank made an inquiry on my credit with Transunion based on a fraudulent credit application. The bank refused to retract the inquiry from the credit reporting agency. Transunion does not allow online disputes over inquiries based in fraud. Rather, Transunion said that, to dispute the inquiry, I must send, IN HARDCOPY POST, ( 1 ) a letter from the bank ( which, again, the bank refused to provide ), ( 2 ) a copy of my complaint to the FTC ( which I did file ) or police, ( 3 ) a copy of my driver 's license, and ( 4 ) a letter from me disputing the inquiry and asking for removal of the item from my credit history. This is an outrageously excessive expectation to place on a consumer upon reporting a fraud, and I can not anyway compel the bank to produce the requisite letter. Transunion has online dispute resolution to correct a wide range of other errors on the credit report, so the company has no excuse to make the process for review of inquiries so burdensome.

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and ZERO returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing. 

2 ) They are refusing to add a credit freeze, again a law provided by the fcra. 

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email. 

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.

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 2022-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have repeatedly left voicemails with the dispute litigation and complaint team being promised numerous times on a recorded line i would get a call within 3 days. I call every week, have over 120 hours on my phone records of outbound calls and XXXX returned calls. 
This is a PERFECT example of WILLFUL & INTENTIONAL fcra violations which adds punitive damages ontop of actual, statutory, and legal. 

The several issues im trying to get fixed are : 1 ) They have blocked me from obtaining my report from ALL possible ways. Online, over the phone and mail, also even on third party websites like annualcreditreport.com and various other sites. This is a clear violation under the fcra which they are by law required to provide and intentionally refusing.

2 ) They are refusing to add a credit freeze, again a law provided by the fcra.

3 ) They have refused to remove 2 inquiries from identify theft after numerous certified mail disputes, disputes on recorded calls and through email.

4 ) Transunion has engaged in consumer fraud, unjust enrichment, false advertising with giving me free 1 year subscriptions that repeatedly fail and bill me illegally. 


ONLY ONE DEPT is allowed to speak to me, and they only have a voicemail and for 6 months, over 317 calls, since XX/XX/XXXX to XX/XX/XXXX, they have WILLFULLY AND INTENTIONALLY IGNORED AND REFUSED TO CALL. I emailed their general counsel, and several of their internal attorneys, all who have ignored this and acted in bad faith, violating their ethics to the bar by intentionally preventing me from having any access or control of my reports.

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 2022-06-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following company has violated my rights in accordance with FCRA and has failed to do a proper investigation of this debt. This company continues to report the inaccurate Item called XXXX XXXX XXXX. Upon researching my credit report I noticed a number of Inaccuracy and inconsistencies. For example... 

Example 1 ) Payment status being reported to XXXX as collection/charge off and being reported to equifax as 120 days late. 

Example 2 ) last report date shows XX/XX/XXXX for XXXX and for equifax shows XX/XX/XXXX. 

example 3 ) date last active is also incorrect showing XX/XX/XXXX for XXXX and XX/XX/XXXX for equifax. 

Example 4 ) date of last payment not showing on XXXX but shows XX/XX/XXXX for equifax. 

Example 5 ) the two year payment history has some inconsistencies as show XXXX debt is charged off but is being reported to equifax as ok. 

Example 6 ) How come XXXX report this account as closed but you are still report this as an open account and if an account is closed how can it be in collections still. 

15 U.S.C 1681e section B States whenever a consumer reporting agency prepares a consumer report it shall follow maximum possible accuracy of information concerning the information concerning the individual about whom the report relates. As you can see there are so many inaccuracies and being reported causing detrimental harm to my character. 

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 states a consumer reporting agency can not furnish a account without my written instruction. I did not give consent for you to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: LEXISNEXIS
State: CA

Complaint narrative:
Have you already tried to fix this problem with the company? 
Yes All of these inquiries are NOT Valid. Therefore I'm putting a FRAUD ALERT on my LEXIS NEXIS FILE as well as XXXX and any of the affiliated companies to Lexis Nexis. I am also putting a permanently security freeze on my data/consumer file. Lexis Nexis has been warned IN WRITING, certified letter, signature required, return receipt, that they are NOT to share my information with anyone, I'm information is NOT for sale nor for Free. I prohibit Lexis Nexis from sharing my personal information. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXAll of the above were taken off of my XXXX Credit Report XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XXXX XXXX *** All of the above were taken off of my XXXX Credit Report XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Complete REMOVAL of all of these inquiries would be the ONLY fair action to take. 

Attached police report to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On XX/XX/2022, I closed on my house, however, I received three payoff amounts from my servicing company Lakeview LoanXXXX Servicing, LLC within 30 days. I am not sure what the actual payoff amount was because a month later, I am being sued by the buyer closing attorney for deficiency mortgage payoff for a few thousands dollars and my servicing company has not been able or willing to clearly explain what happen per the attached documents even though they sent me a certificate of satisfaction for the loan amount of {$230000.00} with a account history showing the accepted payoff was {$230000.00}. Yet, in an email from XXXX XXXX, I was told the payoff was {$230000.00}. The original quoted payoff check was supposedly returned but does not show what the shortage amount is from the servicing company. There is nothing in the account history showing the received check or the wired amount of {$230000.00} sent to XXXX XXXX to whom I did not have a mortgage with. I contacted XXXX XXXX Executive Office and they could not give me any information as my mortgage did not belong to them. None of the numbers adds up. I wrote to my servicing company on XX/XX/2022, they responded on XX/XX/2022. My current mortgage with the same servicing has been showing short and late for the inception of the loan, however, they did claim to " waive '' late fees that was never late on XX/XX/2022, yet, the last statement still shows unpaid, late fees, etc. Explain why they recently took {$37.00} from the refunded insurance addressed to me if they had been paid off on XX/XX/2022. I feel like I have been subjected to fraudulent behavior and unethical practice by the servicing company and the buyer 's attorney. When I recently read the XXXX  complaints about Lakeview LoanXXXX, I only wish I had read them sooner and not listen to the agent to finance with them.

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 2022-06-30 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: TX

Complaint narrative:
N n accordance with the Fair Credit Reporting act the following Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-06-30 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: AL

Complaint narrative:
Equifax has refused to delete the negative inquiries on my credit report, apparently, they did not investigate the issues. I have disputed certain items on my credit report that I did not do because my information is all over the internet, 52 times someone has tried fraud on my credit report. Different companies on the dark web have access to my credit file with all 3 credit bureaus. Equifax has refused to delete these items, I have a block/freeze on all 3 credit reports but Equifax refuses to delete these items. I have a right to privacy and Equifax is not following the law. They are allowing this fraud. There are { 4 } names of companies that the fraudsters used to get into my credit reports. XXXX, XXXX, XXXX, and XXXX are listed 4 times on the dark web. Equifax knows this but yet they still allowed these fraudsters to pull my credit. My name, my address, my social security number, and my siblings, their information are also there. 52 times my identity is exposed. my income, my birthday. This is not a fair resolution to my credit when Equifax allowed these fraudsters to pull my credit. They are not following the rules of CFPB. Nor the FDIC, this is not right. I have filed a police report to investigate this matter. I am a victim of identity theft this is why I had the block/freeze put on my credit reports. I contacted Eq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: GA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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. 

According to : 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 2022-06-30 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:
I have filed 3 complaints now over this issue. Latest response for XXXX XXXX  was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has XXXX  finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. I have attached their blanket response to the previous complaint number 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