vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: IA

Complaint narrative:
XXXX Below is a direct quote from XXXX. 

" Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate and that we report payments as we receive them. We previously confirmed in our letter dated XX/XX/XXXX, a copy of which we have enclosed without the original enclosures, that we are reporting accurately to the credit reporting agencies. Our latest review confirmed our credit reporting is accurate. 
We are not able to assist with your additional concerns with XXXX. We recommend you contact them directly for more assistance. After reviewing your inquiry, we found no instances of deceptive tactics. We confirmed we applied your payments as we received them. Our credit reporting is accurate. '' Please explain in detail how XXXX is reporting accurately. 

XXXX shows XX/XX/XXXX as 60 days late Transunion shows XX/XX/XXXX as 30 days late It took me exactly 3 minutes to look this up. Is that what accurate means? You report 30 days to Transunion, and then you report 60 days to XXXX? THAT IS ACCURATE REPORTING? 

XX/XX/XXXX Transunion reported 30 days late, and XXXX reported 120 days late. THAT IS ACCURATE REPORTING? 

XXXX reports payments made for XXXX and XXXX of XXXX plus XX/XX/XXXX ( 3 months in a row ), then out of nowhere 60 days late in XX/XX/XXXX. How is it possible to make 3 payments in a row and then have a 60 day late payment on the XXXX month? 


No deceptive tactics? XXXX literally closed my XXXX checking account in XXXX and held thousands of dollars, hostage, for 3 months, preventing me from paying on my mortgage. It was somewhere between XXXX That's not deceptive? 

XXXX stated on their insurance claim website that they would send me multiple payments to pay off my roof. MULTIPLE. Then refused to send me the first payment after I got someone to come out to CONFIRM it was done. XXXX forcing me to pay the contractor who did the roof out of pocket preventing me from making my mortgage payment on time. That is not deceptive practices? 

Please explain. Don't give me a cut-and-paste answer either. 


Delinquincy date of XX/XX/XXXX. Really. That's accurate? The account was never brought up to date, which makes it impossible for that to be the delinquency date. Yes deceptive tactics to keep this on my credit report for another 5+ years.

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 2022-08-05 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: IA

Complaint narrative:
XXXX Below is a direct quote from XXXX. 

" Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate and that we report payments as we receive them. We previously confirmed in our letter dated XX/XX/XXXX, a copy of which we have enclosed without the original enclosures, that we are reporting accurately to the credit reporting agencies. Our latest review confirmed our credit reporting is accurate. 
We are not able to assist with your additional concerns with Equifax. We recommend you contact them directly for more assistance. After reviewing your inquiry, we found no instances of deceptive tactics. We confirmed we applied your payments as we received them. Our credit reporting is accurate. '' Please explain in detail how XXXX is reporting accurately. 

Equifax shows XX/XX/XXXX as 60 days late XXXX shows XX/XX/XXXX as 30 days late It took me exactly 3 minutes to look this up. Is that what accurate means? You report 30 days to XXXX, and then you report 60 days to Equifax? THAT IS ACCURATE REPORTING? 

XX/XX/XXXX XXXX reported 30 days late, and Equifax reported 120 days late. THAT IS ACCURATE REPORTING? 

Equifax reports payments made for XXXX and XXXX of XXXX plus XX/XX/XXXX ( 3 months in a row ), then out of nowhere 60 days late in XX/XX/XXXX. How is it possible to make 3 payments in a row and then have a 60 day late payment on the XXXX month? 


No deceptive tactics? XXXX literally closed my XXXX checking account in XXXX and held thousands of dollars, hostage, for 3 months, preventing me from paying on my mortgage. It was somewhere between XXXX That's not deceptive? 

XXXX stated on their insurance claim website that they would send me multiple payments to pay off my roof. MULTIPLE. Then refused to send me the first payment after I got someone to come out to CONFIRM it was done. XXXX forcing me to pay the contractor who did the roof out of pocket preventing me from making my mortgage payment on time. That is not deceptive practices? 

Please explain. Don't give me a cut-and-paste answer either. 


Delinquincy date of XX/XX/XXXX. Really. That's accurate? The account was never brought up to date, which makes it impossible for that to be the delinquency date. Yes deceptive tactics to keep this on my credit report for another 5+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. Equifax has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MI

Complaint narrative:
To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary. 

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer. 

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. 

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title. 
( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the XXXX XXXX XXXX XXXX or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ]. 

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I placed an order of {$44.00} for shampoo from XXXX, which had exploded inside the box when it arrived. I took pictures of the damaged item and spoke to XXXX customer service about the issue. The customer service agent told me he could not refund me and that I had to contact my financial institution ( CITIBANK ). I took screenshots of my conservation with the XXXX customer service agent and started a dispute through CITIBANK to dispute this charge on XX/XX/2022. CITIBANK issued me a temporary credit of {$44.00} but later took it back on XX/XX/XXXX, saying that I was found responsible instead. I refused to accept this and appealed to dispute again. The CITIBANK customer service agent asked me to send the screenshots and pictures of the damaged item once again to the email she provided me ( XXXX ). She reassured me multiple times that they would never hold me responsible for this issue and that I would be getting my money back no matter what. After speaking with her, I sent an email with the requested information on XX/XX/2022. CITIBANK then informed me that they had completed the investigation and was " unable to resolve this dispute in my favor since I did not supply proof of damage ''. I called CITIBANK AGAIN on XX/XX/XXXX, and told them I did send them photo evidence as they had asked me to and they told me the dispute was closed at this point so there is nothing they could do to help me or reimburse me. I feel absolutely scammed and thoroughly disappointed by the lack of service I received. It has been 3 months since I initially opened this dispute with XXXX and CITIBANK failed to protect me financially as their customer and wasted my time for something that I was not responsible for at all.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, XXXX and TransUnion that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, Experian, XXXX and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3. XXXX, Equifax and XXXX assumed this role without permission not only that I never did give my consent. XXXX, Equifax and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. XXXX, Equifax and XXXX did not exercise grave responsibility, XXXX, Equifax and XXXX were unfair, XXXX, Equifax and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX, Equifax and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed XXXX, Equifax and XXXX to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong address names inquiries and telephone numbers these things are hindering me from obtaining credit and causing great hardship to me this makes it easy for thieves to keep applying for things in my name i had no idea all these things where on my profile until doing some research last year i an just getting around to asking for them to be removed

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 2022-08-06 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: FL

Complaint narrative:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/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 2022-08-05 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX have violated my right 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 any 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA My desire is to have these inquires removed from mm credit report XXXX XXXX Applied XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX ( Home shopping )

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 2022-08-05 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: FL

Complaint narrative:
On XX/XX/2022 I spoke with XXXX @ XXXX p.m she told me her employee number was XXXX. I notified her that these accounts ARE NOT MINE and they are furnishing fraud on my account. Accounts are incorrectly reporting as open, account showing delinquent when they are not, my non public information was shared to non affiliate 3rd party companies without my written consent who received a profit and I did not, credit inquiries from unknown sources, improper use of my credit report, identity theft plus more. 
XXXX XXXX XXXX XXXX # 'S XXXX & XXXX ( THIS ACCOUNT IS NOT MINE ) Charge off account, reporting a balance of {$420.00}. The reason this one account has two account numbers is because it is reporting different across all three bureaus. XXXX, Equifax and XXXX. This account does not belong to me as I told the sales rep. 
XXXX XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ), NOR DID I HAVE A DRIVERS LICENSE AT THE TIME OF THIS FRADULENT CAR LOAN. I called the company and ask them to verify this account was mine by sending me the contract and they notified me that they didn't have a contract nor did Equifax, XXXX or XXXX verify this fraudulent account before they furnished it on my credit report. They did not exercise their grave responsibility to protect my privacy nor did they have my written consent to place this on my credit report. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) comments on credit report state that this is CHARGE OFF ACCOUNT reporting a balance of {$8900.00} and the dates opened and balances are reporting different across all three bureaus. Equifax, XXXX, And XXXX. 
XXXX XXXX XXXX XXXX XXXX  # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance owed of {$640.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charged off account is reporting a balance of {$4500.00} XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance of {$4000.00} These fraudulent account are causing me and my family harm. I am unable to purchase a home because of these accounts being furnished inaccurately and not going through any verification process nor having my written consent to be furnished.

Company response to consumer: Closed with explanation