vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with The Fair Credit Report Act, Public law XXXX, XXXX VI, Section XXXX. 
Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX, account number XXXX EQUIFAX XXXX XXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I have been submitting required documentation for a Loan Mitigation with Planet lending since XX/XX/2024. Every time I call they ask for more and different documentation for the loan mitigation process. The goal line keeps moving every time i call. I am working with my Hud Counselor XXXX XXXX ( XXXX ) and he has called Planet to help understand what is required. Planet has not been respectful and or helpful to XXXX. 

The complaint is that Planet lending is Dual Tracking Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC and they violated my rights numerous of times.

I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: IL

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 2024-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: LA

Complaint narrative:
The debt originated in XXXX. I co-signed for my son to finish his degree at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were no payments made by me. In XX/XX/XXXX a collection agency named NelNet started sending me collection notices and even tried to garnish my wages without a court order and showed it was a delinquent debt on all my credit agencies. I contacted my attorney and he sent me a letter which I sent to the credit bureaus stating that by XXXX  law prescription had run out in XXXX years since there were no payments made during this period. Included on the letter were the XXXX laws pertaining to the debt. The credit reporting agencies wiped it off. Then about XXXX months ago they are started the collection process again and reported it again to the agencies. Even today the debt would have prescribed in XXXX years which would have be XXXX. I have disputed the debt with the XXXX agencies again and found the original letter was still in my file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: OK

Complaint narrative:
After conducting an investigation on my credit report, I discovered several unverifiable, invalidated, inaccurate, and questionable items. Despite bringing these issues to your attention, your agency failed to rectify them, causing significant XXXX XXXX XXXX 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported accurately and in accordance with the law. However, these accounts are in clear violation of Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ), as they continue to be reported incorrectly. 

I have attached copies of all correspondence sent regarding this matter for your reference. I urge your agency to take immediate action to ensure that my credit report reflects XXXX XXXX accurate information, as mandated by 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 2024-06-11 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: OK

Complaint narrative:
After conducting an investigation on my credit report, I discovered several unverifiable, invalidated, inaccurate, and questionable items. Despite bringing these issues to your attention, your agency failed to rectify them, causing significant distress and anxiety. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported accurately and in accordance with the law. However, these accounts are in clear violation of Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ), as they continue to be reported incorrectly. 

I have attached copies of all correspondence sent regarding this matter for your reference. I urge your agency to take immediate action to ensure that my credit report reflects XXXX XXXX accurate information, as mandated by 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my consumer credit report. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : Competent Evidence : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company. 

Validation of Debt : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history. 
The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my consumer credit report. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : Competent Evidence : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company. 

Validation of Debt : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: KY

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: AZ

Complaint narrative:
I reviewed my consumer reports and noticed that hat XXXX later payment XXXX on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum.Accuracys I have never XXXX late on payment for the account is XXXX XXXX account number is XXXX investigate and provide proof with statements showing that these payment were late if proof cant be provided I demand these payment be updated to on time as they should be as I was never late. 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 2024-06-11 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: CA

Complaint narrative:
I'm in disagreement with the account listed below which still appears to be on my credit report XXXX after your investigation .I would like this item RE-INVESTIGATED XXXX inaccurate information is highly injurious to my credit Score. 

XXXX XXXX XXXX XXXX XXXX XXXX  IN ACCORDANCE with the FCRA, public law XXXX Title VI, section XXXX 15 USC 1681, please provide me with the names and business address of each individual with whom you verified the info above so I can follow up.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: KY

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : 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  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a discrepancy I have found in my consumer report. Upon reviewing my records, I noticed an instance of a late payment on an account for which I have never been tardy in remittance. 

The account in question is with XXXX XXXX, bearing the account number XXXX XXXX XXXX XXXX XXXX According to my records and diligent financial management, there has never been a late payment associated with this account. 

Consumer reporting agencies such as yours play a pivotal role in maintaining the accuracy of consumer information, and it is with this understanding that I urge you to thoroughly investigate this matter. I kindly request that you provide conclusive evidence, in the form of statements or documentation, demonstrating the alleged late payments on the aforementioned account. 

Should you find no evidence to substantiate these claims, I hereby demand that the erroneous late payments be rectified promptly. It is imperative that my credit report accurately reflects my payment history, particularly when it concerns payments that were made diligently and on time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Thank you for your cooperation and assistance in ensuring the accuracy and integrity of my consumer report. 

Sincerely, 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 2024-06-11 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: Opportunity Financial, LLC
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XX/XX/year> they send me letters stating failure to comply with suspena will led to XXXX XXXX XXXX 

They garnished wages. XXXX XXXX has been take out XXXX till today. Total amount paid has been XXXX. Now on Friday XXXX XXXX the placed a bank levy on my account. For the amount of XXXX. XXXX XXXX Has been emailed and contacted, well XXXX, midland about this matter they are not doing anything. Coming Thursday this will take my money and moving forward court hearing is until XX/XX/XXXX. I have severe medical issues have also lost XXXX days of work due to failure to pay auto insurance. I have XXXX dollars until the XXXX. Also midland place private information regarding my job on this website make all aware of where I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing two accounts as duplicate accounts on my Experian, XXXX and XXXX credit report. 

XXXX XXXX or XXXX XXXX XXXX  account XXXX. 

Also XXXX XXXX XXXX has the same account on my credit as of XX/XX/XXXX. Account XXXX. The original creditor is XXXX XXXX XXXX as a collection account. 

As these are duplicate accounts please remove both. 

. Also, The original account went default in XX/XX/XXXX. A default stays on credit for 5 years from the date of missing first payment. Your lender can not re-register account as per FCRA.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-11 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: IL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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