vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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: SC

Complaint narrative:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2023-02-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX bank XX/XX/XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX  not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX  FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. XXXX XXXXXXXX credit card was opened XXXX XXXX, XXXX under my info. and I called XXXX XXXX on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The XXXX XXXXXXXX agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. After 1 month or so, I noticed there was a significant balance on my credit report with a XXXX XXXX credit card. And I start disputing with XXXX XXXX. I submitted documents and police reports to different supervisors since I have to call them over 20 times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, XXXX XXXX insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with XXXX XXXX. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out XXXX XXXX never take care of it and put all the responsibility on the victim without any reason. 

And I started disputing this fraud on transunion file number XXXX Data issued XX/XX/XXXX and XXXX Report # XXXX on XXXX XXXX with all the supporting documents, but the transunion/XXXX  did not work this out, they insist Transunion can't remove it since XXXX XXXX  doesn't remove it. All the experience is bad and transunion/XXXX  supposed to be a third party not work for XXXX XXXX, they should have their own investigation and contact me whatever needed to support my case. 

I am the victim and I have all the supportive documents. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And Transunion credit report significantly hurt my credit score and my financial life, I am looking for law help to protect my own right. And Transunion need to correct the credit report 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 non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is a TAX document. Third Federal Stated my house was taken due to a foreclosure. 

Please explain why on the IRS form 1099 Box 6 = Identifiable Event Code G was put in box G per the instructions for Debtor located on the back of the form corresponds to Decision of policy to discontinue collections PLEASE EXPLAIN WHY OPTION D Foreclosure Election was not selected. 

My credit report indicates the debt is due to a foreclosure and has been placed on my credit report. 

On XX/XX/XXXX XXXX I received a letter from Third Federal stating the information ( foreclosure ) is correct.

This is contradicting and would be a falsification of information.

Given these are tax documentation which are supplied to the federal government, is reporting information in this contradicting manner LAWFUL Third Federal Please Explain. 

How can you state in box 6 a foreclosure is not selected yet post I owe money for a foreclosure on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: LA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I sent Transunion updated information regarding my current employer as well as my only name that should be reported on my consumer credit report. They left the Also Known As name and instead of including all my employers, they included XXXX of XXXX of my current employers and left an employer I no longer work for dated back in XXXX. That impacts my ability to get financing as it is not consistent with the applications I applied for. 

I have a XXXX XXXX account for over 10 years in good standing and it is not reflected on my Transunion nor the XXXX report. 

I have a XXXX ( in XXXX ) and XXXX ( in XXXX ) account in good standing in over 9 years for XXXX and 22 years for XXXX and it is not reported in XXXX and XXXX respectively. 

Since 35 % of my score is contingent upon credit history, these accounts not being reflected on the credit bureaus it is impacting my overall score and ability to qualify for financing. 

There are collection items showing up on my report. I requested a comprehensive Full File Disclosure. They have willfully chosen to be in noncompliance of the law to make their best attempt to investigate and provide me full disclosure of their investigation.

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 2023-02-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Please see the attached dispute letter that was sent to Navy Federal last month. Not only have they failed to respond, but I have also yet to receive the 1099c form for the written off account they are reporting. Lastly, they are furnishing different payment history to the credit bureaus. How is that possible when all data furnished should be completely the same? Please remove this account from my credit report or I will be seeking compensation per violation. Please see the attached credit report and dispute letter which is dated, and time stamped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and 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 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason 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 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
Basically I applied for a personal loan and my information was shared with unidentified parties. I started receiving phone calls and emails which I was skeptical about the emails. When I received the phone call the guy on the phone sounded like he knew my information already and said I was approved for the loan. He then sent me an email with a contract attached and asked me to respond to the email stating I agree with the terms. I know usually you have to sign the document but it was already to late because I sent my license and social security photos along with an i-9n Document to prove my identity for the loan. At this point I don't know what they plan to do but I want to make sure I protect my information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Payment is past due but not past grace period. TD Auto has called me over XXXX times today XX/XX/2023 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXXXXXX was opened during covid fraudulent late payments poster please remove, XXXXXXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on open sky showing balances, showing late payments and repossession codes on a credit card, after card or account was closed

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 2023-02-12 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

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 2023-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I purchased a car in XX/XX/XXXX, in XX/XX/XXXX I filed bankruptcy but advised the lawyer that I wanted to retain the car. The car payment information was never reflected on my credit report which I finance {$15000.00}. My car note was {$420.00} a month on a 6 year loan. To date I have made 83 payments on this car, and they are saying that I owe still another {$10000.00}. In XX/XX/XXXX I went to see about trading the car in to find out that it was covered in by bankruptcy. When I called the finance company Consumer Portfolio Services to advise them of this, I was told that they never received anything about a bankruptcy and they requested I give them the case number. They advised that would be looking into it and then they would give me a call back. On XXXX  I was advised that i could either pay the remaining amount or give them the car back. I feel that I have paid for this car as I have paid in total {$35000.00}. I did have late payments and I deferred a few payments however I still have paid {$35000.00} and paying another {$10000.00} would mean I paid {$45000.00} which was not what the car was financed for,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: DE

Complaint narrative:
On XX/XX/XXXX after XXXX we were called by XXXX XXXX requesting for us to make a payment of an alleged damaged that they claim we did. We made clear to them that those damages ( picture of damages attached ) were not made by us and that we were not intended of making any sort of payment. They said that if a payment was not made that they were going to report us to collection. That was the end of that phone call. Days after the call with XXXX  XXXX in which we made clear that those damages were not made by us and that we weren't planning on paying, they decided to call not only me, but my husband and my daughters requesting for us to make a payment. One that was never made and led this to reach collection. 
The first letter received by I.Q Data International Inc. was on XX/XX/XXXX ( letter attached ). On that letter they included the amount that was being reported, one of {$1200.00} with a {$31.00} of interest with a total of {$1200.00}. Same letter provided a section ( no longer on the attachment ) to cut and send back. On that part we selected that we were disputing the charges and requesting more information. ( Attached letter send to them disputing the charges ) The letter was send on XX/XX/XXXX at XXXX and according to the tracking number the letter arrived to the destination on XX/XX/XXXX at XXXX. Almost a month later we receive a second letter from them ( letter attached ) on XX/XX/XXXX in which they are requesting a payment. Ignoring and disregarding completely the letter that we sent that we were disputing the charge. They did not only ignored our petition but failed to respond on a timely manner and did not provide any proof and verification of the debt. Not only that but I.Q International Inc charged us more interest, than the first letter, with a total now of {$1200.00}. At this point it seems that they are not willing to take us serious and that they won't provide the minimum to confirm such debt that they claim were made by us.

Company response to consumer: Closed with explanation