vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-06-12 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: AL

Complaint narrative:
XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.

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 2023-06-12 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: AL

Complaint narrative:
XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.

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 2023-06-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear, Consumer Financial Protection Bureau, I am writing to dispute one late payment entry on my credit report that was reported by THD/CBNA. The account in question is a credit card account that I have held since XX/XX/XXXX. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, a payment was made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Home Depot account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ). Throughout my time as a Home Depot cardholder and military member, Home Depot has been very supportive of my military commitments, and they extended their support to me during my financial hardships and helped me get two HVAC systems for my home through The Purple Hearts program. I am a 100 % XXXX veteran, and I appreciate what they have done for me in the past. I would like to request that Home Depot remove the one late payment from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Home Depot to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Home Depot and XXXX remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter.

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 2023-06-12 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am getting multiple HARD INQUIRIES on my XXXX app. 

1. Golden 1 Credit Union XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

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 2023-06-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am getting multiple HARD INQUIRIES on my XXXX app. 

XXXX. XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX. Nordstrom/TD Bank USA XXXX XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX I was offered a position of a plant merchandiser that in XXXX XXXX. They were enthusiastic and both the manager and the human resources woman who took my oral drug test swab expressed a desire to get me on board as soon as possible. In the disclosures of First Advantage paperwork it says but they are not allowed to use negative information over XXXX years old and the thing that ultimately kept me from getting a job is almost XXXX years old. The scope of their background check paperwork also says that it stops in XXXX of XXXX but they are reporting something from XX/XX/XXXX. Not only is it against their paperwork and disclosures, it's against Oregon law, federal law and it is causing the extreme Financial harm. This was my dream job and I am distraught and can't get my self together over the situation. It's very traumatic to have to relive all this from a mistake I made when I was XXXX XXXX XXXX. 

They are legally reporting it and I have tried to call them, chat them, email them, and engage them in every way possible from XX/XX/XXXX to XX/XX/XXXX. I have also reached out to XXXX 's corporate HR which apparently is an XXXX  call center that doesn't have any power to do anything about this and tells me to call for the first advantage. I also reached out to the store managers who told me to call the aforementioned HR. It's an endless Circle and I'm unable to dispute it and they have resubmitted the same embarrassing illegal stuff almost 20 times since then. They just keep resubmitting it and resubmitting it to the store why are they doing this? I'm humiliated and heartbroken! 

I will submit screenshots of my attempts of contact as well as their repeated violation of my rights. This has been very very traumatizing for me and I'm unable to cope with it right now or I would have done this sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-06-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: VA

Complaint narrative:
On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: MI

Complaint narrative:
This debt was included in a cXXXX XXXX  that was field on XX/XX/23. The creditor did NOT show to the meeting or the creditors and was notified of the filing by the XXXX XXXXXXXX XXXX  XXXX of Michigan. The debt was discharged on XX/XX/23 and the creditor was notified by the court and I also emailed proof that the debt was discharged. However, the creditor then reported that this debt is over a 120 days past due when it was was discharged in XXXX XXXX XXXXXXXX  which is illegal. I am asking that this be removed due to legally they CAN NOT collect on this debt. I am trying to rebuild my credit and this caused my score to drop XXXX points when legally they should not have been allowed to report this debt because they can not college on the debt. This was discharged in XXXX legally I dont owe then a dime. It is not past due because it was discharged. I have also called and emailed this company several times and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone debited checking without authorization in Texas and I live in Ohio. I called chase and reported it immediately. This claim was filed in accordance with regulation E and I still expect my money to be returned me because now this account is negative and I haven't been compensated. Chase has yet to provide a reasonable explanation on how I was in two places at once. Account # XXXX and Claim # XXXX is the information I have regarding this. It's not fair that I'm without my money and I will most likely end up in Court because I dont owe Chase a dime when they flat know I was in Ohio and this fraud happened in XXXX . Imagine trying to explain that one to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
on XX/XX/XXXX I was attempting to purchase a shed on line the only way to pay is through Affirm. I had to get pre-approval from Affirm and did so then I was returned to the website only to find that the item is not available any longer, so no sale... next day I received several Emails from Affirm offering a credit line, credit card and also a reminder of first payment due. I called to find out if they were not made aware that there was no sale. Since then I have conferred with them on their on line chat box and on phone at least 8 times not being able to contact anyone looking into the matter. I have been told there is no other phone or E mail to contact the safety or investigation div. I must wait for them to contact me by E mail with their Findings in 30 days from XX/XX/XXXX? which is the day that they say was their first contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX in reference to a credit card that was opened in my name and an owed balance of {$440.00}. I had never opened this account and immediately contact Genesis FS upon receipt of the letter indicating I did not apply nor receive a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mediation Recovery Center
State: MD

Complaint narrative:
The company XXXX has purchased a debt from another company called XXXX XXXX. I have never had a loan with XXXX XXXX and I do not know who they are. When I spoke to a representative from XXXX/XXXX XXXX on the week of XX/XX/2023, I advised at that time that this was not my loan and I never heard about this loan. The business continued to call. On XX/XX/2023, I received an email alert from XXXX that I had an account in collections. I have disputed this with the credit bureaus. But when I called the merchant XXXXXXXX XXXX the representative refused to provide any documentation or proof and advised me that they would not remove anything on my credit file until I provide proof that its not mine, well I do not have proof because I have not worked with this company. 
I need this predatory behavior to stop. Apparently, this company XXXX brought this debt from XXXX XXXX, how and why is this even possible? I do not own this debt and I would like help to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TN

Complaint narrative:
Ive disputed several accounts with XXXX, XXXX and trans union about late payments, it is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. 
Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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