vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
Linebarger Goggan Blair & Sampson Llp Have been sending us multiple unpaid ticket fines by local governments to me by email. The dates dont even match and I dont currently have any unpaid tickets. I have been receiving multiple letters under different peoples names stating we have an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: WA

Complaint narrative:
On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to XXXX XXXX  of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called XXXX XXXX  on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for non-XXXX XXXX transactions. 

I filed a complaint with the XXXX  and XXXX responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing XXXXXXXX XXXX  error and want this resolved immediately.

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 2023-02-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to XXXX XXXX  of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called XXXX XXXX  on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for XXXX XXXX  transactions. 

I filed a complaint with the XXXX and XXXX responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing XXXXXXXX XXXX error and want this resolved immediately.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On numerous occasions during the last 2 weeks, I have been unable to sign in to TransUnion or to unfreeze my credit report or to get an online report which are the usual products the website and agency claim you can get. I have recreated a sign in and password several times, used different devices and different times throughout the week. This is adversely affecting my credit score and my ability to get pre-approved for a home loan as the lender has tried to access my accounts more than once ; it stalls the loan process, and suggests a negative credit history, or personal ineptness at using technology. Each inquiry deducts at least 6 points from a credit score. XXXX has similar problems. So not only are they supposed to create an accurate and honest credit history, they also sabotage our access with website problems. Similar issues have happened on previous occasions with all 3 credit agencies but moreso with TransUnion. 
All of these agencies should correct the website problems or remove themselves as a credit reporting agency. Consumers are basically held XXXX and prevented from getting their own personal information. Although I can get a written credit report, I am once again at their mercy timewise where reports can be delayed by unresponsiveness or mail services. I couldn't even correct an address error because the only choice is " I never lived there '' so you can't fix issues like Road , Avenue , Street, etc- these are significant issues when the town I lived in had an XXXX COURT ( my address ), XXXX XXXX and XXXX XXXX all in the same community. Packages were always misdelivered and there was a lot of delivery theft.

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 2023-02-19 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: TX

Complaint narrative:
XXXX and Experian have not resolved my dispute issues. They are still reporting multiple inaccurate collections and accounts. XXXX has not added my current XXXX XXXX accounts that they removed inaccurately. I had 3 credit accounts with XXXX XXXX that XXXX removed on purpose to mess up my credit. I have called to rectify this issue and the agent was impossible to work with. He would not answer any of my questions and refused to assist me. This issue has still not been resolved. They removed accounts in good standing and left an account that was inaccurate from XXXX XXXX on my credit. They also left several accounts from XXXX XXXX  on my account that were inaccurate. Experian and XXXX are both reporting the number of collections and amounts inaccurately. Neither have done investigations to properly verify and validate the accuracy of these accounts. XXXX is the only credit report that is currently reporting accurately. They found these XXXX accounts to be inaccurate and have removed them from my reports. Experian and XXXX, please be advised that each inaccuracy will cost you up to {$1000.00} per inaccuracy. If this is not fixed immediately, I expect to hire counsel and collect on these amounts from the both of you. XXXX is accurate, Experian and XXXX are not reporting accurately and they are not conducting investigations of disputes properly, because if they were, these collections would have been removed like they were with XXXX, and XXXX would have never removed my three positive good standing accounts with 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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX XXXX  # XXXX XXXX 3. 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 permission.

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: KY

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX  XXXX  # XXXX  XXXX 3. 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 permission. 


I also have a derogatory mark that was caused account number XXXX. Listed above. 


I also have disputed removing my hard inquiries from my account and they have not done that for me either.

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 2023-02-19 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: FL

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited 30 days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is TransUnion did not remove or modify anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. I am emotionally distressed, heartbroken and depressed because of this matter. Ive attached my previous credit report and my new credit report to show how transunion violated my rights.

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 2023-02-19 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: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my XXXX score on XXXX. It shows that I have an account open at Nelson and cruz associates. I do not know who these people are and was not contacted to resolve the debt before it was reported on my credit. I do not owe money to these people and I would like it removed feom my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  Account 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX Account 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-19 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: CA

Complaint narrative:
I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with 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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: FirstPoint Collection Resources
State: SC

Complaint narrative:
I have never gone to XXXX XXXX XXXX XXXX XXXXXXXX, I have contacted XXXX XXXX  several times and they find the account or show me were I have been there. I have filed a police report and files small claims against XXXX XXXX  and firstpoint collect resources inc for report fraudulent account to my credit file with knowledge this wasn't my account. I live in XXXX South Carolina not NC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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