vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
I XXXX XXXX consumer who is a victim of identity theft. Transunion, XXXX and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : 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
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ask For Fast Removal Of Inquires

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barkley Bank Delaware refused to accept fact the card was opened fraudulently by someone using my personal information even when I provided proof I was a victim of identity fraud. They continue to report to the credit reporting agencies this account.

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 2023-11-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Business Factors
State: CA

Complaint narrative:
In XXXX I was a victim of identity theft. XXXX XXXX XXXX in XXXX, CA sent medical bills amounting in over {$6900.00} into collections originally through XXXX. This was done by a parent whose child was XXXX XXXX ( XXXX XXXX XXXX ) at an address Ive never lived before! The credit bureaus still refuse to remove this address after multiple attempts. 

I filed a police report with XXXX, ca police department and did an identity theft with the federal trade commission on XX/XX/. After completing this lengthy process this debt was removed from my credit. It seems that after XXXX closed it they sold the debt to another collections agency National Business. 

I disputed these accounts and the credit bureaus are refusing to remove it from my credit! So Im a victim of identity theft and these collections agencies can continue to sell these debts and put it on my credit again and again! I need help. 

Every time I call the creditors they arent able to find my information because its not ME. It happened with XXXX and now financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 that states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, account : XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, account : XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-11-08 00:00:00
Product: Credit reporting 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently submitted a complaint to Experian stating inconsistency on the report. Their response was that the account was mine for the wrong account. It appears these companies lack common knowledge on verification if they cant research the proper account which i clearly stated. How can they be trusted at their word that they did an investigation in the 1st place. Below is a copy of the letter sent out that list all the inaccuracies. A letter of their inaccurate investigation and a pic of the account that should have been investigated

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 2023-11-08 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: The CBE Group, Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against CBE Group for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I recently discovered that CBE Group has reported an alleged debt to credit reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to credit reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. 

The specific details of my complaint are as follows : 1. Alleged Debt Reporting : CBE Group has reported an alleged debt to one or more credit reporting agencies without any prior communication or attempt to contact me regarding this debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 
2. Lack of Verification : Without any prior contact or attempt to reach me, CBE Group has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
This complaint is a continuation of the previous complaint. The result from the previous complaint was that I was approved for a VA partial claim through the original lender XXXX mortgage in XX/XX/XXXX. The loan was transferred to Flagstar Bank shortly thereafter in XX/XX/XXXX. 

We signed the note for the partial claim in XX/XX/XXXX and thought we had met all of the requirements. However we were advised later that the note was never recorded because the lender made an error on the docs and had the payee listed as HUD instead of VA. 

In XXXX of XXXX, we had a notary come to the house and re-signed the Note. 
Again we thought the issue was finally resolved. Then in XX/XX/XXXX, we were advised again that the note was never recorded due to yet another lender error on the documents. 

The lender is now asking us to sign a XXXX time saying they corrected a " minor '' typo in the verbiage however I noticed that they had also changed the Payee from VA to a private lender XXXX XXXX  without mention. This concerns me as this lender has had multiple cases and lawsuits against them and I don't feel that I would have the same protections as with the VA as payee.

Flagstar Bank has recently sent me a letter stating loan documents were rejected due to BORROWER error which is simply not true, they are the ones that generate the documents. Flagstar bank is now also threatening to reverse the partial claim and force me to pay the lump sum in full or face default OR enter into a new loan modification at a much much higher rate which would substantially increase my payment and is much more favorable to the lender. 

in conclusion, Flagstar bank has made numerous document errors, is sending me in accurate statements every month showing full partial claim amount is due, and has overall delayed and jeopardized my VA partial claim in whole and has not met the requirements per 36.4805 which states servicer must record the security instrument timely, as prescribed in 36.4807

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 2023-11-08 00:00:00
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The money source XXXX XXXX XXXX XXXX  in IL or XXXX XXXX is shown on my credit bureau as the originator of false fraudulent and harmful publications on my credit report. Today they claimed XXXX XXXX months late XXXX XXXX. They reduced my score almost XXXX points. They are intentionally knowingly and deliberately out to harm me because I filed a case against them and have reported their conduct to several state consumer protection agencies like attorneys general in Illinois. They are out to hurt me anyway they can even if its obvious and totally illegal. Today they claim the fraud loan was paid in XXXX. Then they claim it is 30 days late in XXXX. XXXX  thats obviously impossible. And by their own choice and by their intent and willfull purpose they know the loan was sold in XXXX transfered XX/XX/XXXX but they claim Im late for XXXX too. XXXX so willful and so intentional to harm me. They know I have a case but they want to do everything to harm me. So sad. So illegal. So obvious. Remove this debt from my credit file as u promised, stop reporting false fake info on my file, stop the theft of funds used to cancel this debt. And stop making money on the debt by not transferring it to XXXX XXXX XXXX XXXX XXXX. Just stop already. Their attorney contacted me today to say XXXX did nothing wrong. XXXX  sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The money source XXXX XXXX XXXXXXXX XXXX XXXX XXXX or aka XXXX is shown on my credit bureau as the originator of false fraudulent and harmful publications on my credit report. Today they claimed Im two months late XXXX XXXX. They reduced my score almost XXXX points. They are intentionally knowingly and deliberately out to harm me because I filed a case against them and have reported their conduct to several state consumer protection agencies like attorneys general in Illinois. They are out to hurt me anyway they can even if its obvious and totally illegal. Today they claim the fraud loan was paid in XXXX. Then they claim it is 30 days late in XXXX. XXXX  thats obviously impossible. And by their own choice and by their intent and willfull purpose they know the loan was sold in XXXX transfered XX/XX/XXXX but they claim Im late for XXXX too. XXXX  so willful and so intentional to harm me. They know I have a case but they want to do everything to harm me. So sad. So illegal. So obvious. Remove this debt from my credit file as u promised, stop reporting false fake info on my file, stop the theft of funds used to cancel this debt. And stop making money on the debt by not transferring it to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Just stop already. Their attorney contacted me today to say XXXX did nothing wrong. XXXX  sad.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX

Company response to consumer: Closed with explanation