vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes.

I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

XXXX ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes.

I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

XXXX ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-15 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: FL

Complaint narrative:
I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I went to XXXX  XXXX XXXXXXXX XXXX XXXXXXXX from XXXX. I racked up over {$100000.00} of private and federal loans. XXXX  XXXX  XXXX promised us they would become accredited which never happened, and left me high and dry after i graduated with no support for finding a job. 

The Department of Education recently found XXXX  XXXX XXXX of fraudulent and exploitative practices and discharged my federal loans. 

Navient services, my private loans. I have called them numerous times over the years, asking for my private loans to be discharged, and my money returned due to multiple attorney general and legal investigations proving that they are literally servicing fraudulent lo I want all of my money to be paid back to me from Navient, and all credit reportings are annulled. This company has ruined my adult life and continues to take my money and thousands of other students who were duped. They are complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 2024-05-15 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> / XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account. 

XXXX - Acct # : 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
A company called Affirm is claiming that a loan account was opened on XX/XX/year> for {$450.00}. No such account was ever requested. Notices are being sent to email with no supporting information. Affirm claims they can not find the account, after multiple attempts. 
The fraudulent account is negatively impacting credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: WA

Complaint narrative:
Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.

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 2024-05-15 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure of the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-15 00:00:00
Product: Credit reporting 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:
I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, Transunion, and XXXX are in clear violation of the law under 15 USC1681B. XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The original creditor is XXXX, however, XXXX provided an account breakdown with a discharge date of XX/XX/XXXX. XXXX PURCHASED the debt on XX/XX/XXXX per the company 's response to the initial CFPB reporting on XX/XX/XXXX. XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. According to 15 U.S. Code 1962e ( 8 ) communicating, or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. XXXX is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector who bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.

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 2024-05-15 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: FL

Complaint narrative:
I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, XXXX, and Experian are in clear violation of the law under 15 USC1681B. XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The original creditor is XXXX, however, XXXX provided an account breakdown with a discharge date of XX/XX/XXXX. XXXX PURCHASED the debt on XX/XX/XXXX per the company 's response to the initial CFPB reporting on XX/XX/XXXX. XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. According to 15 U.S. Code 1962e ( 8 ) communicating, or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. XXXX is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector who bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.

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 2024-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
on XX/XX/XXXX someone tried to open up a new Chase Freedom Flex World Elite account. The letter stated that their unable to approve this account at this time. Also someone tried to open up a Chase account back of XXXX. This fraudulent has impact my credit score severe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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