vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Letter submitted to XXXX on XX/XX/XXXX via XXXX online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX, XXXX, and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 

On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 

When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 

We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 

On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with Experian and XXXX credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 

When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to Experian and XXXX effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to Experian and XXXX in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 

We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.

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 2022-09-10 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: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and incomplete XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I had credit karma as my text I know text return repair I had an anticipation loan that I was pre approved never got that money I also did 2 money transfers which stayed double charge me and never give me the money back for {$600.00} all of this I have paperwork in documents stated and I couldn't tell you that amount of phone calls I made that never got me anywhere with credit karma they ruined my experience with XXXX XXXX forever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchase on XXXX XXXX. They misrepresented what they sold me. I was sold an item as new. What came was not. When I tried to make a return with XXXX XXXX, they would not comply or work with me. After 2 weeks of run around, I filled a charge back with my bank. Since I can not contact XXXX XXXX  but my bank can, I requested they get me a return label so that I may make XXXX XXXX whole again. Two times now, the representative taking my report is appalled while taking my report, yet two times now the investigation is awarded in XXXX XXXXXXXX favor. The reason being that I still have their merchandise. I still have it because they wont tell me where to return it, or provide me a return label. My bank who is supposed to protect my money is agreeing that its ok that as long as I dont know where to return the misrepresented item, then they are correct in how the transaction is being conducted. This is beyond unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: Prince Parker & Associates
State: GA

Complaint narrative:
In accordance with the Fair Credit act PRINCE PARKER AND ASSOCIATES Account # XXXX, has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XX/XX/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 2022-09-10 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:
XXXX, TRANSUNION, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-09-10 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:
XXXX, XXXX, and EXPERIAN have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
EQUIFAX, XXXX, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 
I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan.

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with Experian and XXXX credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to Experian and XXXX effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to Experian and XXXX in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.

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