vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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.

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. 

XXXX 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 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 explanation
Consumer complaint received 2022-10-29 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.

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. 

XXXX XXXX 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 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 explanation
Consumer complaint received 2022-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called both XXXX and Bank of America about my Credit report. I received notification today that someone has opened or in the process of opening either a bank account or credit card in my name. It is NOT ME. I am a victim of Identity Theft! I couldnt get XXXX on the phone but I have put a security freeze on my account but any and all information concerning this fraudulent account needs to be blocked. I didnt authorize BOA to pull my credit report and would like them also to remove this fraudulent information 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 2022-10-29 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: NV

Complaint narrative:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege that no such verification exists.

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 2022-10-29 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: NV

Complaint narrative:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege that no such verification exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXXXXXX XXXX acct no. XXXX, XXXXXXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXX  account no. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account no . XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXX, XXXX XXXX XXXX account no . XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX account no. XXXX, XXXX account no. XXXX, XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXXXXXX bankruptcy petition account no. XXXX, XXXX XXXX bankruptcy dismissed account no. XXXX. 



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 an 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 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 2022-10-29 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX  acct no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX XXXX XXXX account no XXXX XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXX, XXXX XXXX XXXX account no . XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX account no. XXXX, XXXX account no. XXXX, XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX bankruptcy petition account no. XXXX, XXXX XXXX bankruptcy dismissed account no. XXXX. 



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 an 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 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 explanation
Consumer complaint received 2022-10-29 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. The list of accounts below have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. 

Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX  : # XXXX  account name : XXXX XXXX  # XXXX, account name : XXXX # 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 an 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 if information, other then records of convictions of crimes which antedates the report by more then 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
Goodleap has been using fraudulent lending practices. The companies that they partner with, specifically solar loan companies, are using misleading sales tactics to get customers into loans. During the process of applying for our loan, the only information collected was a basic idea of income and a credit check. No pay stubs were acquired and a bait and switch was used during the signing process. We were showed an approval with specific payment details and when we received our final paperwork- the amounts were different. We did not realize this until recently when going through all of our contacts for the solar company and Goodleap. Goodleap was aware that this company was promising customers that they would save hundreds of dollars and become independent from the electrical grid of their electric companies. This was not true- instead customers are left with the same electric bills and now a loan bill for a solar system that does not work. Our home went with a system that was not functioning for 6 months. It was " fixed '' and is again not functioning. We asked Goodleap for help in getting this issue resolved since our solar company shut down/filed bankruptcy. They've " escalated '' this issue twice in 2 weeks and we've still had no one respond to us. In the meantime though- they've been sending harrassing emails to us asking for payment. We are at this point less than 10 days late on our payment. We've made them aware we will not be making payment until this issue is resolved with our system. It is unfair for us to continue to make payments on a system that is not working. Especially when they're aware of the issue. In addition to this- they've used tactics previously of sending people to our home to intimidate us into making payment. The person who showed up said you're past due and we need photos of your system in the event we need to lock them. No legitimate loan company would use tactics like this. They would not send someone in person to intimidate you into making payment- and they would not send 10 emails a day sometimes asking why payment isn't due. Threatening to shut your system off when you're a day late. Customers, including us- know our Holder Law rights. We will seek counsel if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Hello, on XX/XX/XXXX, I applied for the Wisconsin Help for Homeowners grant because I was unable to pay my mortgage. I was approved in XX/XX/XXXX. For the past 4 months I have been trying to get through to someone/anyone that can help at my mortgage company ( PHH mortgage ) so that WHH ( Wisconsin help for homeowners ) can release the funds to bring me current on my mortgage. Meanwhile on XX/XX/XXXX my mortgage company ( PHH ) served foreclosure paperwork. I have always paid my mortgage on time ( Ive lived here for 21 years ) through my battle with XXXX in XXXX, through XXXX and then getting XXXX in XXXX. My home has needed many repairs and due to my battles and illnesses I was unable to do any repairs. In XXXX I began finding contractors to repair my home, as it was becoming hazardous to live in. Due to me getting XXXX, having multiple XXXX, going through XXXX, me and my XXXX XXXX XXXX ( XXXX XXXX ) getting XXXX in XX/XX/XXXX and having to get my front sill plate repaired, porch roof that was leaking and causing mold, tear down the remaining damaged chimney, have siding put up, roofing and drywall to repair the hole in the house from where the damaged chimney was, I have not been able to keep up with my mortgage payments since XX/XX/XXXX ). I have called PHH numerous times ( from the person whoever answers the phone at that time, to the mitigation department to the escalation department ) to let them know that all the mortgage company need to do is complete the CDF process so that WHH can release the funds to reinstate my mortgage. This is why I was so confused when they served me papers for foreclosure in XX/XX/XXXX. I finally have a main contact person at PHH but she doesnt understand what the hold up is either and how to advance the process. I want to keep my home that I have worked so hard for, being a XXXXXXXX XXXXXXXX, XXXXXXXX XXXX, battling XXXX, going through XXXX and XXXX please help me get through to them and let them know that all they need to do is complete the CDF process so the state program WHH can release the funds to reinstate my home and allow me to keep my home. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: CA

Complaint narrative:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2022-10-29 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I

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 2022-10-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX/Comenity/Victoria A fraud packet was sent to XXXX XXXX XXXX and XXXX which is complete and within the parameters to be blocked under section 605B. Block of information resulting from identity theft.

Per XXXXXXXX they stated that once they receive my packet, upon initiating the dispute, XXXX sent over a copy of the affidavit as well as the police report and all relevant documentation to assist in their fraud investigation. 

Upon communicating with Victoria fraud department, they stated that they did not conduct a fraud investigation in fact, they said they only investigated it as a dispute and were not in possession of the documents sent to XXXX. 

The process governing investigating identity theft claims was not performed in this situation. Documents that were supposed to be provided were not provided, and Victoria secrets corporation failed to conduct a fraud investigation on this account which created a long term insertion of this fraudulent information on the credit report. 

If the collection agencies fail to do a proper investigation into identity theft, then the consumers left no true and honest way to correct their issues from being victims of fraud.

Company response to consumer: Closed with explanation