vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion for using deceptive and unfair practices. Fraudulent information was furnished to my consumer report without my authorization or written instructions pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. The fraudulent information that's been furnished to my consumer report is not information relating to the consumer. I demand that the alleged tradeline account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ) be deleted immediately. TransUnion has failed to implement Reasonable policies and procedures concerning the integrity of furnished information pursuant to 12 Code of Federal Regulations 1022.42. TransUnion is fraudulently using unfair practices to furnish item ( s ) that has not been certified or verified by law. TransUnion and it's subsidiaries are marketing and selling consumer information which is a violation of a 2017 enforcement order requiring it to stop deceptive practices. Upon receipt of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-15 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: FL

Complaint narrative:
These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.

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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
This credit card was open in my fraudulent and I summited the police report and information to creditor and it was remove from my report expect XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: UT

Complaint narrative:
Disputed on or around these dates to both Equafax, XXXX, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have 3 hard inquiries on Equafax, and XXXX as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
Equifax is in violation of the FCRA section 611 Procedure in case of disputed accuracy. Equifax is reporting inaccurate information on a XXXX XXXX account on my consumer report. Reporting of inaccurate information is a violation and this is hurting my reputation. FCRA section 611 states, ( A ) IN GENERAL. -- Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer, or reseller. 

Equifax was notified over 45 days ago and still has yet to remove this inaccurate information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instructions? I did not.

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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjustors is harrassing me after I've repeatedly told them not to call me. I recieve multiple calls daily on multiple numbers and many of them are spoofed calls. They call me back to back on my personal and work number they recieved from my voicemail. They are calling and not saying anything from local numbers just to annoy and harrass me. They are also using my number to spoof others as an attempt to invalidate my number and have it labeled as spam. I've made multiple requests to no avail and at this time need them to end all communication and cease with all harrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Disputed on or around these dates to both XXXX, Experian, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have XXXX hard inquiries on XXXX, and Experian as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.

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 2022-04-15 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: NY

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

15 U. S. C 1681 Section 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 explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.

Complaint narrative:
At this point, it is clear to me that BlockChain ( inc ) US is a total scam.

I had trusted with them all my crypto in ( what they call ) a rewards account. It means you trust your crypto with them and in return get higher interest on it. 

When exchanges behave responsibly, they organize themselves such that they always have enough fractional reserve, so that when people what to leave/ check out, they can give back the crypto they were trusted with, to the people who own it. 

Not the case with BlockChain ( inc ) US. For a half month already, they refuse to give me back my crypto- and refuse as well to tell em why. Obviously this stinks big time and reminds us ( sadly ) about the hybris of banks with devastating societal consequences only a decade ago. This calls for more regulation, ad minimum w.r.t. fractional reserve. 
Meanwhile I consider my crypto stolen by BlockChain ( inc ) US and demand to be compensated for it. Aside the immediate return of my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: MD

Complaint narrative:
In the past with XXXX XXXX XXXX it has been near impossible to get them to report our first three payments ( XXXX, XXXX, XX/XX/2021 ) to the credit bureaus. We have complained about this from day one, with them being determined to not update the credit reporting to correctly show that we have made those first three payments. This has been an long going problem that when applying for Refinancing wee were being told that those first three missed payments make our loan appear as an Forbearance or Loan Mod is associated with our loan, and it makes sense because of their insistence to not correct the problem. 

So this time we're sending the complaint to the three credit bureaus and have attached our last year Mortgage Interest Statement, that will show just as the Payment History statements from them were used previously to show that we have made those three payments. 

I am this time sending the Mortgage Interest Statement to all three credit bureaus to verify that the payments were made and are hoping that the credit bureaus will make this update to prevent our mortgage credit reporting can no longer appear as an predatory rigged account. 

XXXX XXXX XXXX has made changes to our credit reporting that is not only inaccurate, but in some cases it is contrary to the actual loan documents themselves. We have been disputing this from day one and since they refuse to correct obvious errors and what appears as predatory additions, we are now asking the credit bureaus to do the right thing.

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 2022-04-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the past with XXXX XXXX XXXX it has been near impossible to get them to report our first three payments ( XXXX, XXXX, XX/XX/2021 ) to the credit bureaus. We have complained about this from day one, with them being determined to not update the credit reporting to correctly show that we have made those first three payments. This has been an long going problem that when applying for Refinancing wee were being told that those first three missed payments make our loan appear as an Forbearance or Loan Mod is associated with our loan, and it makes sense because of their insistence to not correct the problem. 

So this time we're sending the complaint to the three credit bureaus and have attached our last year Mortgage Interest Statement, that will show just as the Payment History statements from them were used previously to show that we have made those three payments. 

I am this time sending the Mortgage Interest Statement to all three credit bureaus to verify that the payments were made and are hoping that the credit bureaus will make this update to prevent our mortgage credit reporting can no longer appear as an predatory rigged account. 

XXXX XXXX XXXX has made changes to our credit reporting that is not only inaccurate, but in some cases it is contrary to the actual loan documents themselves. We have been disputing this from day one and since they refuse to correct obvious errors and what appears as predatory additions, we are now asking the credit bureaus to do the right thing.

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 2022-04-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've contacted Experian, regarding a Fraudulent account on my credit report, it's from XXXX XXXX, account number # XXXX. I've filled several dispute with Experian, and explained to them that, this account was not my account, but they refused to remove it off my credit report, it show that the account was opened up on XX/XX/2012.

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 2022-04-15 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: LA

Complaint narrative:
The credit bureaus never did a proper investigation According to the FRCA. The term investigate consumer report means a consumer report or portion there off in which information on a consumers character, general reputation, personal characteristics, or mold of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported or with others with Whom he is acquaintance or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more, in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureau stayed in my account was properly investigated but how is that possible if the open date is in accurate, The date last active is an accurate, and the date last report it is not accurate. This is ground for removal. They also valid through loud because according to 15 U.S.C 1681. section 602 A. States I have the right to privacy. 15 U.S.C.section 604 A section 2 : it also states a Customer support a Education a Furniture a Couch without my reading instructions. I did not give anyone written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions They keep saying the properly verified but have not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NY

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

15 U. S. C 1681 Section 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 2022-04-15 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: NY

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

15 U. S. C 1681 Section 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I got a new phone in early XXXX and since then, I have been unable to add my Barclay card XXXX to XXXXXXXX XXXX even though XXXX XXXX is at least theoretically supported by Barclay card as I had it on my previous phone. Since I got the aforementioned new phone I keep getting an error message saying that my card is not supported for a digital wallet whenever I go to add it. I requested a new card thinking that may rectify the issue and it did not. I called customer service and they supposedly opened a formal complaint regarding this and claimed that they would try and fix the problem within 30 days which have now well elapsed and I have heard nothing nor has the issue been rectified. I was given a statement credit of XXXX $ as compensation but would like the issue to be fixed and for my time to be adequately compensated.

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