vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: NC

Complaint narrative:
in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX AccountXXXX XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX XXXX. XXXX XXXX. 
Account:XXXX  all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.

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 2022-07-03 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: NC

Complaint narrative:
in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
Account:XXXX  all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.

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 2022-07-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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 2022-07-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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 2022-07-04 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: CA

Complaint narrative:
Experian continues to keep a closed account showing negative information after I requested for it to be deleted. Per 15 USC 1681 sec. 602A and sec. 604 A sec 2 codes of XXXX laws was reported as being violated. I made the complaint and asked for the account # XXXX at XXXX XXXX XXXX XXXX XXXX with {$1400.00} balance to be deleted due to my Consumer rights being violated and as result the account is being reported as only closed yet is still including all the negative information concerning that account. I would like to have the payment details and balance deleted as per my first initial complaint requested please. Thank you

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 2022-07-04 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: GA

Complaint narrative:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the XXXX data breach, my information could be being misused at this very moment.

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 2022-07-04 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: GA

Complaint narrative:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the Equifax data breach, my information could be being misused at this very moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: GA

Complaint narrative:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the XXXX data breach, my information could be being misused at this very moment.

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 2022-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to XXXX ( not Experian or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, Experian and XXXX have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.

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 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This complaint is regarding an item placed on my XXXX credit file XX/XX/2022 by a collection agency calling themselves, Aldous. According to my XXXX credit report, collection attempt is in the amount of {$300.00}. During my initial correspondence with this agency, I asked for validation of debt. After that. some suspicious documents were mailed to my place of residence. I then stated in my second correspondence, that I needed to see copy of the identification card/driver 's license used to obtain this alleged debt, The agency then mailed me a threatening letter, stating that they will not be mailing me the requested item, and they were proceeding with the placement of this negative item on my credit report. A willful violation of federal law. 
Regardless of the lack of proof of this debt, XXXX did not hesitate to place this item on my credit file. If the proper vetting was done by this credit reporting agency, I would not have to be writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
I did not open/authorize these accounts.

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 2022-07-04 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: NC

Complaint narrative:
The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX XXXX XXXX account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to recieve calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX Bank showed back up on my credit reports again along with XXXX credit that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again. 

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response.

[ 15 U.S.C. 1681 ] States I have the right to privacy The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my Experian report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported.

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 2022-07-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # 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 2022-07-04 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: Capital Credit and Collection Service, Inc.
State: HI

Complaint narrative:
Credit card customer service representative erroneously made an error about letting me know as to soft- pull instead of a hard-pull. The latter immediately cancelled my credit card and advised me not to worry because they will notify the reporting agencies their mistake. I called several occasions and notified the latter so far nothing has changed on my credit reports. They then tell me now, I have to call the credit bureau myself directly and whoever gave me false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXX..it was sold to XXXX XXXX XXXX their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcXXXX XXXX XXXXXXXXwhich they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXt was sold to XXXXXXXX XXXX XXXX  their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..

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 2022-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I was sent {$600.00} on Venmo by a friend of mine to help me pay for my rent this month. This money was sent to me on XX/XX/2022. I verified my identity on Venmo using my social number, birth name, etc and then they froze my account and asked me to submit my ID. 

I submitted my ID on XX/XX/2022 and was told I would have a response regarding my account and unfreezing it within 6-7 business days because they have a lot of requests I guess for their account specialists. 

This was fine. I stated I would wait the 6-7 business days and I have. The XXXX business day was Friday, XX/XX/2022 I shouldve had a response by then. 

I called support today and was told they now expect me to wait ANOTHER 6-7 business days for a response. 

Its my money. {$600.00} of mine and its stuck in this account and they are refusing to give me any real help. I need my money, to pay my rent. Now I cant pay it. I cant do ANYTHING because the money is stuck and they dont want to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: PA

Complaint narrative:
I did not open/authorize these accounts.

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 2022-07-04 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: PA

Complaint narrative:
I did not open/authorize these accounts.

Company response to consumer: Closed with explanation