vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has been charged off. However, I did not authorize this company to report this this information on my credit report.

According to 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.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: SC

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 non-monetary relief
Consumer complaint received 2023-07-29 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-07-29 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: TX

Complaint narrative:
This account has been charged off. However, I did not authorize this company to report this this information on my credit report. 
According to 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.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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:
This account has been charged off. However, I did not authorize this company to report this this information on my credit report. 
According to 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.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Denefits LLC
State: NY

Complaint narrative:
Title 15 of the United States Code, Section 6802, is a provision related to the privacy of consumer financial information. It outlines the requirements and restrictions imposed on financial institutions regarding the collection, use, and disclosure of personal and financial information of their customers. The section establishes guidelines for providing privacy notices to customers, allowing them to opt-out of certain information sharing practices, and maintaining the security and confidentiality of customer information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) XXXX Denefits XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Installment sales contract - Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2000.00} {$2000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1700.00} {$1700.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1800.00} {$1800.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Variable rate 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, transunion is reporting it as XXXX, XXXX is reporting it as XXXX University, and XXXX is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In a previous complaint filed with CFPB # XXXX PHH Mortgage responded they have no recollection of receiving a payment of {$4200.00} from the Bankruptcy Court! I have provided documentation from the court as well as PHH own document showing they received the payment.

This response is not a final response to PHH regarding our previous complaint. Further review of their provided documentation is necessitated as we believe payments made from the suspense account where not correctly documented by them. 
We will also be reaching out to our CPA/Forensic Accountant within this time period to further assess the accuracy of their accounting methods!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, XXXX is reporting it as XXXX, Equifax is reporting it as XXXX University, and XXXX is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, XXXX is reporting it as XXXX, XXXX is reporting it as XXXX University, and Experian is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: GA

Complaint narrative:
After ordering a copy of my credit report I have notice that its inaccuracte information on my credit report. And I have/had know knowledge of this accounts. 

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX Account # : XXXX This account reporting is in violation of 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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:
CFPB Writeup : 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the close date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.

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