vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act, Transunion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX XXXX  ending in # XXXX on file AND a late payment for my XXXX XXXX XXXX  beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.

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 2022-06-08 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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX Account # 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 XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXX XXXXXXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXXXXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options

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 2022-06-08 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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 2022-06-08 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:
In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # 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 an account without my written permission.

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 2022-06-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # 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 an account without my written permission.

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
There is no factual evidence from the escrow analysis that the {$530.00} credit was taken into consideration for the escrow analysis. This company consistently fabricates situations to their advantage. I can write complaints all day on this, every day for the rest of the year. They have done nothing except send fabricated documents that do not pertain to the escrow analysis documents I've sent on 2 occasions. A third complaint will be issued and request an updated escrow document with the credit clearly identified in the escrow analysis. A ledger of historical payments will not suffice and is irrelevant at this point to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: UT

Complaint narrative:
I purchased a {$500.00} XXXX XXXX XXXX from XXXX. The issuer of the prepaid XXXX is USBank. I gave this as graduation gift. When the recipient went to use it, she was told that it has only {$0.00} on it. I have talked with XXXX  three times. They state that they activated the card properly on their end it I have to deal with the XXXX issuers. I have talked with them twice. They tell me it has been put on " fraud monitoring '' hold and I have to submit several documents before they will unlock the card. This makes no sense, they don't know my name anyway. I do not know this issuing institution, I do not want to give them a copy of my Driver 's License, my granddaughter 's name, etc. 

The keep repeating that it has been put on fraud alert. I asked them who put it on alert and why. All they will say is that their fraud department flagged it. They are asking for my name, my ID, my granddaughter 's name, etc. They have no business asking for this info. I paid for the card and it was activated at the check stand. 

I am caught between XXXX being unwilling to help and USBank asking me for a lot of information that is unnecessary!!

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 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this item well over 60 days ago and the item remains on my credit report. I have not received any verification or validation from the credit bureaus nor the collection agency of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NJ

Complaint narrative:
I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Experian because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Name : XXXX XXXX XXXXThis name is not MINE, Please remove as Per FCRA 605B. Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items areinadvertently resulting in me being extorted.

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 2022-06-08 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: NJ

Complaint narrative:
I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Transunion because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.

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 2022-06-08 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: MO

Complaint narrative:
1.Original Creditors Name : XXXX XXXX XXXX XXXX. XXXX  ( XXXX XXXX ) Closed {$4100.00} 2. Original Creditors Name : XXXX XXXX XXXX XXXX Closed {$1000.00} 3. Original Creditors Name : XXXX XXXX XXXX XXXX XXXX Closed {$520.00} In accordance with The Fair credit reporting act this account has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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.

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 2022-06-08 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Hey, this your warning delete that XXXX off my consumer report or you will be going to jail for aggravated identity theft. You are violating rights to privacy and I didnt give you my lawful authority to get my nonpublic personal information. Now delete that collection account off my consumer report. And I refuse to pay any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-06-08 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: OR

Complaint narrative:
I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX XXXX  which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.

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 2022-06-08 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: OR

Complaint narrative:
I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX Oregon which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this item well over 60 days ago and the item remains on my credit report. I have not received any verification or validation from the credit bureaus nor the collection agency of this account.

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 2022-06-08 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX Oregon which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.

Company response to consumer: Closed with explanation