vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed that the addresses and personal information on the report are inaccurate. I looked your website and enclosed the proof of the current address that you require please make sure that there aren't any inaccurate names and addresses on my credit report. I ask that you be sure to match the spelling of my name with the social security number and date of birth to ensure the accuracy of the records you're reporting. 

I do not wish to have any telephone numbers on my report. please remove all other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate. 

please send me an updated credit report as soon as you have deleted the incorrect addresses show above and ensure that any incorrect names have been removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code XXXX note, this is a HIPAA VIOLATION XXXX No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code 1320d-9 note, this is a HIPAA VIOLATION ! No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not grant permission for these inquiries and strongly suspect they are fraudulent. I urge you to conduct a thorough investigation and promptly delete them from my credit report.

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 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file an urgent complaint regarding the unlawful debt collection practices of Fair Collections & Outsourcing , Inc. ( FCO ), a debt collection agency. 

XXXX has unlawfully obtained and utilized personal and non-public information from XXXX XXXX XXXX  without permissible purpose or my explicit consent. Despite repeated requests, FCO has failed to provide a debt validation letter or obtain my explicit consent for the acquisition and use of this information. 

Additionally, FCO has engaged in collection efforts without legal basis, violating provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically sections 1681a, 1681n, and 6802b. These actions have resulted in significant financial losses and emotional distress, exceeding {$10000.00} due to the retraction of credit by creditors and repeated denials of credit opportunities. 

I urgently request your intervention to address these egregious violations and ensure that FCO is held accountable for their unlawful conduct. I seek remedies for the damages incurred and request that all collection efforts by FCO cease immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
XX/XX/XXXX, I was approved for a loan with XXXX XXXX, through XXXX. A few days later, I received an email from XXXX that XXXX XXXX Bank would be the bank servicing my loan. 

When I was approved for the loan, I was told by XXXX XXXX that the loan would not be reported to the credit bureaus. Subsequently, in my multiple conversations with XXXX XXXX XXXX, it was always confirmed that my loan would not be reported to credit bureaus. 

As recently as last month ( early XX/XX/XXXX ), I was told by a representative from XXXX XXXX XXXX, that my loan would not be reported to the credit bureaus. On XX/XX/XXXX, I saw that my loan with XXXX XXXX XXXX  had been reported to the credit bureaus. I called XXXX XXXX XXXX  to inquire about this and was told that as of XX/XX/XXXX, they had started reporting all loans to the credit bureaus. The reporting is from the disbursement date of the loan. 

Not only did I not give XXXX XXXX XXXX  permission to report the ongoing status of my loan to the credit bureaus, I was assured on multiple occasions that the loan would not be reported. One representative even said to me, " I see that you asked us this question before. Please rest assured that we do not report to credit agencies. ''

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: NC

Complaint narrative:
hello I have tried to remedy the fact Carmax gave XXXX XXXX, and XXXX has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 
15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and XXXX due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Credit reporting agencies XXXX, XXXX, and Transunion gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX  NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD XXXX, XXXX, AND TRANSUNION AND THEY CONTINUE COLLUDE TO CAUSE ME HARM.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than s

even years. '' This account is an adverse item that needs to be deleted. THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO XXXX, XXXX, TRANSUNION SHARING MY INFORMATION WITH THIRD PARTIES.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Credit reporting agencies Experian, XXXX, and XXXX gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD EXPERIAN, XXXX, AND XXXX AND THEY CONTINUE COLLUDE TO CAUSE ME HARM. 

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that needs to be deleted. 

THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX  NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO EXPERIAN, XXXX, XXXX SHARING MY INFORMATION WITH THIRD PARTIES.

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 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Hello, I had been approved for a loan modification trial plan with PHH in XX/XX/XXXX. However, I am an older woman and not at all tech savvy and was also undergoing XXXX XXXX XXXX at this same time. I did not realize I was approved, as I got very confused with all the paperwork I had to keep submitting and receiving from PHH. 

As you can understand, there is a lot of correspondence received from PHH during this process. A ton of mail gets sent to me and it is very indeed confusing to navigate, especially under XXXX XXXX XXXX XXXX XXXX  Apparently, I missed the letter informing me that I was approved for my trial plan and thusly, I missed out on the offer. 

PHH is now trying to sell my home in a few days time ( XX/XX/XXXX ), when I was approved only months ago. I spoke to a HUD counselor was I made aware of this approval only recently as I was again, very confused with all the paperworks. I am simply asking PHH to please not sell my home and please do whatever is necessary to try to reinstate the trial plan that I missed due to my inability to understand the paperwork and how to accept the trial payment plan. 

Please see my situation and help me. I would have made the trial payments had I known that I was approved. Please help me save my beloved home!

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 2024-03-27 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 report containing any of the following items of information Any 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. 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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity Capital Bank representatives keep calling me on my cell phone ( XXXX XXXX XXXX ) sometimes at inappropriate times threatening legal action, etc. 

I have been in the hospital for the past year and required skilled XXXX XXXX  XXXX I have mailed Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX several times in the past few months a " cease and desist '' letter asking them not to contact me again. 

Comenity representatives have disregarded my written requests and keep calling me. 

A few days ago I sent them the same letter via trackable, USPS Ground Advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2024, I was walking in the parking lot to go to the gym and was stopped by XXXX strangers who were XXXX men between the ages of XXXX in their car ( XXXXXXXX XXXX ) asking for directions. They explained to me a XXXX story of why they needed {$500.00} for a hotel and were going to XXXX me money so I could XXXX XXXX it to them and then they could get a hotel. 
After giving them my phone to them to enter their information and send me money, they showed me they " accidentally sent me {$5000.00}. '' Then they used my phone to send themselves {$4900.00} on XXXX XXXX ( their username : $ XXXX ) and let me keep {$100.00} for helping them. After they left, I realized the money that I thought they sent me via XXXX was actually a loan they applied for on my account without my consent. 

On the same day, I reported a fraud claim with Navy Federal which was later denied. I am currently waiting on the approval of a police report before I appeal the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Several listed accounts exhibit inaccuracies in reporting.

Company response to consumer: Closed with non-monetary relief