vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion and XXXX have violated my consumer rights repeatedly and allowed incorrect information to be reported on my consumer report without verification or adherence to the FCRA 1 ) Charge off accounts - Charge off accounts mean a creditor has written the debt off and has been made whole and therefore should issue a 1099cc to the consumer and this becomes income and income IS NOT reported on a consumer report, Transunion and XXXX have failed to adhere to the law and failed to validate the debt multiple times even after being provided the 1099c from the consumer which shows no debt exists, they have caused serious harm to me and my family and i am entitled to damages for false reporting and reporting items that are not accurate

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 2024-10-07 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've noticed multiple hard inquiries on my credit report that I did not authorize.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
The company is Affirm I paid a third party a company call XXXX and a company call XXXX XXXX in full. Affirm is still showing on my credit report like I still owe the money and refuse to change the status of all three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against XXXX, TransUnion, and XXXX for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans. 

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts. 

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible. 

Thank you for your 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 2024-10-07 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against XXXX, XXXX, and Equifax for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans. 

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts. 

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: MN

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Connecticut Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws.

It has unequivocally come to my attention that CAP ONE AUTO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-07 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a follow-up to a complaint filed on XX/XX/XXXX ( in which XXXX XXXX used a deceitful tactic in an effort to avoid responding ) and a follow-up complaint filed on XX/XX/XXXX that an agent with CFPB suggested I file XXXX 
On XX/XX/XXXX, both my renter and I who are out of town, saw clips on our security cameras with people entering our property through the locked gates, climbing through a window of the studio where my renter stores items, rummaging through our items and the locks were changed. This was discovered by having a neighbor and a realtor friend check on the property after seeing this. Because of XXXX XXXX 's lack of communication with both myself and counsel, we have no clue if this is of their making. My senior lead officer advised I file police reports. I have emailed XXXX XXXX but have yet to receive a response.

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 2024-10-07 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: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian, XXXX to remove these inquiries and all attempts failed.

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 2024-10-07 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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, Equifax to remove these inquiries and all attempts failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.

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 2024-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I attended graduate school XX/XX/XXXX XX/XX/XXXX. I did not request for Navient to change my student loan account from repayment to in-school deferment. I paid half my payment every XXXX weeks which means I made an additional payment each year for a total of 13 monthly payments/year. In XX/XX/XXXX, prior to my consolidation, I saw that these months were documented as in-school deferment and requested the in-school deferment be removed so these months counted as active payment months. Navient replied XX/XX/XXXX that they could not remove the in-school deferment since it would put my loans severely past due and the payment for XXXX XXXX was due XX/XX/XXXX ( 4 months away ) and XXXX XXXX was due XX/XX/XXXX ( the next month ). Since I had made the same monthly payments plus XXXX additional monthly payment each year, this did not make sense to me. I called Navient and asked again if they would remove the in-school deferment. The individual who answered the phone said yes, she could remove the in-school deferment for both XX/XX/XXXX ( when I was not in school and did not request a deferment ) and XX/XX/XXXX XX/XX/XXXX. I then requested to consolidate my student loans to XXXX to access the temporary waiver program. 

I had no idea that my second request was denied until XX/XX/XXXX. I never received additional communication that my phone request was denied. I do not understand why it was denied in XXXX, and why I was not offered a way to remove the in-school deferment and come current with any interest that XXXX have been owed. I also do not understand how there could be any delinquency by removing the in-school deferment when I made the same monthly payment since XXXX plus XXXX additional monthly payment each year. I called Navient again on XX/XX/XXXX and requested they remove the in-school deferment and allow a way to come current with any past interest due during that time and was told they would resubmit the request, but most likely it would be denied. 

This feels incredibly unfair and like Navient is continuing to misguide/scam student loan borrowers. I have been paying on these student loans for decades and even when my kids were little and I could not afford full-time daycare, I worked PT ( just under the XXXX hours/week ) for a non-for-profit organization, I continued to make my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion and XXXX have repeatedly allowed incorrect information to be reported on my consumer report, they have trafficked in my personal information and failed to actually verify information as required by law XXXX ) Bankruptcy - they never verified this info with the original creditor- I HAVE A LETTER STATING THAT THEY DO NOT COMMUNICATE WITH CREDIT REPORTING AGENCIES AND DO NOT VERIFY INFORMATION

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