vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-31 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX account # 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 2024-08-31 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX account # 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 2024-08-31 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:
I disputed several fraudulent accounts, as a result of identity theft. The accounts in question were deleted. Several weeks later the accounts were reinstated. Based on the research I did the proper protocol was not followed. Also these account were opened by me.

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 2024-08-31 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 disputed several fraudulent accounts, as a result of identity theft. The accounts in question were deleted. Several weeks later the accounts were reinstated. Based on the research I did the proper protocol was not followed. Also these account were opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
I disputed several fraudulent accounts, as a result of identity theft. The accounts in question were deleted. Several weeks later the accounts were reinstated. Based on the research I did the proper protocol was not followed. Also these account were opened by me.

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 2024-08-31 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the 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 explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried numerous times over past year and 3 tines this week to access my equifax free credit report. I done it thru their site and XXXX  site. I've had absolutely no issues with XXXX  or XXXX. Equifsx site continues to say csnt access at this time when click on report that is apparently there to be opened. I have searched the web for reasons and this is rampant and a major issue for alot of people. I've tried to call them and waited for excessive amounts if time. To be quided away from an agent and even confirmed thru their automated system who I was with ssn. Security questions. Then sends to agent finally that is not in this country and has accent from that of nation that is constantly investigating as scamming people She wanted my ssn which I declined and ask for her to send an email to their i.t and supervisor of site issues amd that it's also a major issues for many many people. This is equifax only that does this and need investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: GA

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  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-08-31 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: MD

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-31 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-31 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-31 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I applied for a home equity loan from Nationstar Mortgage in XX/XX/year>. The process was protracted and there were multiple increases in the quoted rate. I ultimately chose not to move forward with the loan application. The issue is that in XX/XX/year>, before I had agreed to the loan or signed anything other than my disclosure acknowledgments, Nationstar contacted my home insurer, XXXX, represented itself as the holder of a second, perfected mortgage note on my home, and inserted itself as the second mortgagee on my home insurance policy without my knowledge or permission. It did not call XXXX back in XXXX, after we ended the loan application process, to remove itself. It appears that Nationstar was trying to entitle itself to an insurance payout it did not deserve in the event of a catastrophic event.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The credit cards of TJX reward Master Cards, its mother bank Synchrony, and PayPal related to Synchrony, and I have issues from the beginning of this year, XXXX. Recently, I received a credit card which I never asked from this TJX Reward Master Cards/Synchrony. Therefore, I cut it and reported to the several organizations with picture. The cut card is kept at hand as my reward for my future reference to remind what happened from XXXX to XXXX so far. The PayPal lost the transaction record before the end of XXXX of XXXX. I am waiting the copy of transaction history from the customer service via email which should be sent until the end of today, XX/XX/XXXX. All of these three companies related to the issue of refund check on my missing amount. I am waiting the explanation while the credit card was cut. Today, I received the email from Synchrony which asked me to log in. The web account of TJX reward card was hacked or mismanaged by the company ; therefore, there is no content at all to check. I do not have the account with Synchrony ; therefore, I can not understand what account the email is intended. Since I do not have account with Synchrony and TJX reward card account was hacked and disappeared, I considered the email was scam which was sent to harass me by somebody who created these emails Synchrony Bank www.synchronybank.com Visit site RE : Documents Enclosed XXXX / XXXX XXXX www.synchronybank.com From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XXXX Dear Valued Customer, You have a new message waiting for you in the Secure Message Center. 

To view our response : Log in to your account. 
Select Contact Us/My Messages Thank you for using our website. 


ABOUT THIS MESSAGE : This is an auto-generated email. 
PLEASE DO NOT REPLY TO THIS EMAIL. 

To send us a secure message about your account, please visit the Online Message Center.

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 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
In early XXXX I was embarrassingly informed of a judgment against me through my employer. My employer shared a mailing received from RAS LaVrar Law Offices attempting to garnish my wages for a debt owed to XXXX. Being a single mother and relying on each paycheck to make ends meet I immediately filed for a claim of exemption to prevent my wages from being garnished in XXXX of XXXX. This exemption was granted on XX/XX/XXXX. During my hearing I requested a contact number from the individual representing the law firm ( via phone ) so that I XXXX dispute this debt. I contacted this number several times from XXXX through the summer of XXXX requesting proof that this debt was in fact mine. I also filed a credit card fraud claim with XXXX. XXXX denied my claim stating my social security number and date of birth matched their records, payments were made from XX/XX/XXXX - XX/XX/XXXX and prior communication with collections department stated no mention of account being fraudulent. I then received a letter in XXXX of XXXX from the law office stating their client ( XXXX ) verified the debt owed and the only proof attached was a final summary judgement filed on XX/XX/XXXX. The ONLY XXXX  credit card I ever applied for and possessed was opened in XX/XX/XXXX, Closed in XX/XX/XXXX and the credit limit was {$300.00}. My XXXX XXXX credit report reflects this information and shows the status of this account Paid, Closed/Never late ( if you note above XXXX  claims I made payments through XXXX of XXXX, why would I make payments towards a closed account? ). The judgement XXXX filed in XXXX states I owe {$5700.00} on principal. My current credit reports from all XXXX credit bureaus do not reflect any debt owed or in collections to XXXX. I would also like to mention that XXXX had a data breach that occurred in XXXX. I simply do not understand how I could have incurred a debt of over $ XXXX on a credit card that had a limit of only {$300.00}. 
XXXX years later, I have now again received a letter by mail dated XX/XX/XXXX from RAS LaVrar law offices requesting documents providing ALL my personal information including bank statements, paychecks, etc., in an attempt to again try and collect this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I sent signed requests to Transunion, XXXX, and XXXX to inquire about the sources used to verify the bankruptcies listed on my credit report. These requests were aimed to validate the accuracy of the information reported in compliance with the Fair Credit Reporting Act. However, only XXXX responded and removed the bankruptcies from my credit report. 

Both Transunion and XXXX failed to respond to my inquiry. So I sent signed follow-up letters to both on XX/XX/year>. Again, no information or updates on the status of my requests have been provided by either agency. The lack of response has left me unable to address and dispute the potential inaccuracies on my credit report, which are significantly impacting my credit standing and financial opportunities.

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 2024-08-31 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: VA

Complaint narrative:
I am filing this complaint against Transunion for allowing unauthorized inquires to appear on my credit report.These inquires were made without my knowledge or consent, and i believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 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 I have already contacted Transunion and requested the removal of these inquires. I also asked them to provide permissible purpose under which these inquiries were conducted. However, i have not received a satisfactory resolution to my request.

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 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
XX/XX/XXXX current financial closed my account along with my XXXX  accounts and quit answering emails. XXXX was take from XXXX  checking. XXXX was taken from XXXX  savings and XXXX was taken from my checking

Company response to consumer: Closed with explanation