vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 
XXXX of XX/XX/year> XXXX XXXXXX/XX/year> Collection : XXXX Acct XXXX XXXX The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

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. 

XXXX XXXXXXXX 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 XXXXXXXX has violated 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 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 2024-04-14 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:
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. 

Account name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent the credit bureau supporting documents to remove the inaccurate information from my report. XXXX XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent the credit bureau supporting documents to remove the inaccurate information from my report. XXXX XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.

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 2024-04-14 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: TN

Complaint narrative:
I submitted a dispute with XXXX, XXXX and Transunion and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( 18+ ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.

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 2024-04-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a dispute with XXXX, Equifax and XXXX and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( XXXX ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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:
I found this item on my consumer report that isnt mine and should be removed. Filed FTC report. 

1. XXXX XXXX ( XXXX XXXX : XXXX ) Account # : XXXX Amount {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been applying for mortgage assistance, and then for a short sale, since XXXX of XXXX. Despite having had one offer in the house in XXXX of XXXX and starting the process then, PHH took forever to review anything we sent despite me and my realtor calling multiple times. The first offer ended up expiring because PHH took so long to even look at what we sent. We put the house back on the market and were quickly able to get another offer for a short sale, but now PHH refuses to look at it and has told me I will be going into foreclosure, despite all the efforts I have made to avoid that. 

I reached out to them at the beginning of XXXX and was told i would be able to get out of the foreclosure, but that answer changed this week despite now having an offer on the house. The communication has been inconsistent and we need a clear path forward.

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 2024-04-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase : ACCT # XXXX XXXX. Inaccurate Payment History and Overall Amount Reporting 2. Status should reflect as PAID IN FULL! 
XXXX. Remove more than 180 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( 1YR,8M ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, XXXX, TRANSUNION.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation

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 2024-04-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( 1YR,8M ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, EQUIFAX, XXXX.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: MD

Complaint narrative:
I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( XXXX ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON EXPERIAN, XXXX, XXXX.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation

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 2024-04-14 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: WI

Complaint narrative:
Pull my credit Report because credit repair company contacted me told. I had delinquentcys missing payments late payment showin on my Credit records reason why my Home Loan was Denied. l make these payments All on time Never Late l dispute information sent copies of. Printout from The company ( Get it now ) on all 3 credit bureaus showing month of. XXXX also month XXXX was late or missing.l provided information notice my account hasn't been updated or changed on credit reports. Not understanding why it take over 30 days. to be given to resolve these dispute instead 30 days to make ness change errors been below show that report to 3 credit bureau

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Pull my credit Report because credit repair company contacted me told. I had delinquentcys missing payments late payment showin on my Credit records reason why my Home Loan was Denied. l make these payments All on time Never Late l dispute information sent copies of. Printout from The company ( Get it now ) on all 3 credit bureaus showing month of. XXXX also month XXXX was late or missing.l provided information notice my account hasn't been updated or changed on credit reports. Not understanding why it take over 30 days. to be given to resolve these dispute instead 30 days to make ness change errors been below show that report to 3 credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have reached out to XXXX  XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
Someone who probably has my personal information applied for credit cards cards which cause inquires on my credit report. The inquires and dates are listed below : 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 non-monetary relief
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone who probably has my personal information applied for credit cards cards which cause inquires on my credit report. The inquires and dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXX XXXX  Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. 

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. 

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. 

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Thank you so much for your time.

Company response to consumer: Closed with non-monetary relief