vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}

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 2022-04-14 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: KY

Complaint narrative:
i have contacted you over 15 times you tell me why the XXXX never gets fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: KY

Complaint narrative:
i have contacted you over 15 times you tell me why the XXXX never gets fixed

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 2022-04-14 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: PA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Our Mortgage company is Shellpoint Mortgage Servicing, I contact your company with this problem before. I contact XXXX XXXX AND XXXX XXXX XXXX. They referred me to your company for help I am sending my regular payments. SHELLPOINT have added insurance and taxes to our payments. We have sent letters of confirmation from us and the insurance company showing we are paying out of pocket payments to a company. We pay our own taxes out of pocket also. Shellpoint is returning our monthly payments back to us to make it look like we are missing payments. The checks are returned with a red stamped O/N on it and a letter stated we are 90 days past due. We have sent this Mortgage Servicing Company proof of paymenst made. This Company continue to disregard our efforts to provide proof we are not 90 days behind because we not sending the payments it's because they are sending checks back to us. I have been dealing with this for over two years. If I can provide you with any information that will help me get this situation take care of. Please let me know. I can provide proof with bank institution and certified mail receipt with proof that we sent our payments. Thank you, we need help with getting this matter taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}

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 2022-04-14 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: PA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax has incorrect inquiries on my report. ( XXXX ) XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX direct credit The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal.

They also violated the law because according to 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.

I did not give anyone written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a consumer ; natural living, breathing person. After reviewing my consumer report I have noticed that there are still inaccuracies on my consumer report which are not in accordance with 15 USC 1666b ( a ). The account XXXX XXXX reflects two past due payments for dates XX/XX/21 and XX/XX/21, the account should reflect on time payments for dates XX/XX/21 and XX/XX/21.

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 2022-04-14 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: OH

Complaint narrative:
I unfortunately had to file XXXX XXXX  coming out this pandemic, being a new home owner and going back to work. I filed XXXX XXXX. My lawyer pulled my credit report, XXXX XXXX  and even included old Credit card fromXX/XX/XXXX. TransUnion immediately restored my credit. XXXX Credit card closed the account on my credit, fine wise XXXX XXXX XXXX XXXX XXXX  which is also XXXX says needs attention with XXXX balance just dropped my credit XXXX  points. I need new windows and things for my house. Credit is everything and that is why I filed XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX SXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have new and updated information. This is not credit repair .. this is me, XXXX XXXX XXXX XXXX With great difficult and still being unable to obtain my consumer file from Transunion to date, i unwillingly and unintentionally through no fault of my own was signed up for credit monitoring services that I did not want. That Ive yet to be able to cancel with ease due to Transunions false and misleading representations.

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 2022-04-14 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: MI

Complaint narrative:
Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc.
State: TX

Complaint narrative:
XXXX on XX/XX/2022 was charged {$86.00} for an item that was {$45.00} on shelf tag I told her never mind and she was supposed to void the item. I never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. Experian responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of 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 explanation
Consumer complaint received 2022-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I paid a large amount on my credit card to bring down the balance. I first paid XXXX on XX/XX/XXXX, Then I paid XXXX on the XXXX, XXXX on the XXXX and XXXX on the XXXX. A few days later I added a few of my friends as authorized users to help them build credit. The next day all four of my cards with Capital one was restricted for use. I contacted them and they wanted to verify that I added the users to the card. I explained that I did and sent in Documents IDs and social security cards and every time I send in something they give me an excuse why they can't be unrestricted. I don't even understand how the other three cards are restricted and no one was even added to those. I asked why allow me to add these people to my account and lock me out from it after. They expect me to keep paying on cards I can't use charging me late fees and reporting bad on my credit for four months now. this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-14 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: TX

Complaint narrative:
I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of 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 2022-04-14 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 am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MI

Complaint narrative:
Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.

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 2022-04-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Date : XX/XX/2022 Amount : {$3500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times. 

Date : XX/XX/2022 Amount : {$2500.00} Action : Requested item to be removed due to incorrect information. 

Company : items were removed sold to another creditors and reappeared multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: CO

Complaint narrative:
I was told by the agent that they hold my debt But the agent could not produce any information to verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX MXXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : XXXX 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 2022-04-14 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : XXXX XXXX5 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