vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 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:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXXXXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2022-07-24 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: MI

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now. 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 2022-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing this company charges you XXXXXXXX XXXX to pay your mortgage every month, i am unable to get on the website even to pay my mortgage and the company will not help. They hold your mortgage statements til the end of the month so that your mortgage will be late if you send it in, and even then they will hold your mortgage payment until the due date has passed so that the payment is made late. This is NOT random, it happens every single month. This company has got to be breaking the law, and i am at my wits end, all i want to do is pay my mortgage in a timely manner, and they truly make it impossible on purpose. PLEASE HELP!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now.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 2022-07-24 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: TX

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

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

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S DEPT ED 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: FL

Complaint narrative:
TransUnion XXXX and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with XXXX TransUnion and XXXX I was never late

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 2022-07-24 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: FL

Complaint narrative:
XXXX Equifax and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with Equifax XXXX and XXXX I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # s, XXXX - XXXX XXXX ; XXXX - XXXX XXXXA 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 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 non-monetary relief
Consumer complaint received 2022-07-24 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX  Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a 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 2022-07-24 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: TX

Complaint narrative:
I have had numerous creditors send me results XXXX  XXXX explaining that my credit score is XXXX the dates are XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX and XXXX XXXX, on XX/XX/2022 from XXXX XXXX ; I use 3 credit monitoring services, all 3 report the XXXX score at XXXX for the last 4 months ( see attachment )

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 2022-07-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # s, XXXX - XXXX XXXX ; XXXX - XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-24 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: Kashable LLC
State: PA

Complaint narrative:
I have contacted kashable llc numerous times to resolve reporting on my credit report. Disputes to the bureaus show validated but I never see proof. I sent 3 letters to the company requesting validation and I have received no response. The letters were 30 days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  Account # 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 US DEPT ED. 
Account # XXXX XXXX XXXX con has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a 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 2022-07-24 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX/XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a 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 non-monetary relief
Consumer complaint received 2022-07-24 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: CA

Complaint narrative:
the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my 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 2022-07-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-24 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: CA

Complaint narrative:
the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: CA

Complaint narrative:
the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my 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 2022-07-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's sent an offer for 0 % balance transfer/cash advance. I initiated {$11000.00} on XX/XX/XXXX. The funds were received with a {$550.00} transaction fee. Shortly after, my card was declined for a purchase. When I logged into my account, I saw that there were 2 transactions for $ XXXX sent. I contacted Barclay 's in early XXXX. They indicated I should see the second $ XXXX I did not request shortly. After calling my bank a few days later, and Barclay 's again, there was no second $ XXXX sent. Barclay 's then admitted they have a known issue duplicating all cash advances, and they were working to resolve. I explained that it put me over my credit limit with the second $ XXXX they show sending me, but did not send. They had no resolution. They advised that they were not going to report the inaccurate balance to the credit bureau ( their reporting date of XX/XX/XXXX ), but I saw my report today and they did. 

They even charged me a second fee of {$550.00} on XXXX, for a transaction they know they did not complete. 

After more than a month, they have not taken any steps to rectify, and they reported known inaccurate data which harmed my credit while I am applying for a car loan, which now negatively effects my credit score and thus my interest rate will be higher. 

Steps I have recommended : - Send me the $ XXXX they charged me for, so I can pay it back to them - Provide a temporary credit on my account of $ XXXX since they know the transaction is their own error ( treat it like a fraud release ) - Fix the error, and set my account right In 33 days, they have not resolved. It has impacted all of my auto payments, and cost me significant time to deal with resetting credit card information, as well as the multiple calls to them to try to resolve to no avail. I filed a fraud claim with Barclay 's, about Barclay 's transaction, but no action has been taken.

I am completely out of options since Barclay 's is not taking this issue seriously, although everyone at Barclay 's is aware of it.

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 2022-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account is closed. It's being reported as open with a balance of {$250.00}. This is not true. Account is paid and supposed to be reported as closed. 
Acct # 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