vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
This company has violated my right to privacy, provided my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing. 
The Privacy Act of 1974 : Disclosing my personal information without my consent. 

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being. 

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: LA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurate information. I have a late payment on my account that was in fact, paid on time. XXXX is reporting the payment made on XX/XX/year> as 60 days late. Experian and XXXX are reporting the same exact account as 30 days late on XX/XX/year>. The consumer reporting agencies have an obligation to report all information with complete accuracy. This account has not been late on payments. Ive attached copies of my credit report to this complaint on XX/XX/year>. I am requesting that you investigate this account and update this payment to paid on time. Thank you for your understanding and prompt action.

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 2024-07-12 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I only found out I had a collections account when I recently checked my credit report. I sent the collections agency three letters sent with return receipts. All letters were delivered and signed for but ignored by the agency. I filed a dispute with all credit bureaus. As a last resort I made a phone call to this business and the representative had no intention of either explaining this debt, or trying to resolve it outside of pressuring me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$48000.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$48000.00} XXXX  XXXX Balance : {$42000.00} XXXX XXXX Balance : {$10000.00}

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 XXXXXX/XX/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 2024-07-12 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:
The items listed below are still reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00}

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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 2024-07-12 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent items that appear on my credit report. I recently reviewed my credit report and identified several items that I did not open, nor do I recognize any of the transactions associated with these items. I believe that these items have been opened fraudulently using my personal information. I have not opened these accounts, nor have I authorized anyone else to open them on my behalf. I request that you conduct a thorough investigation of these items and remove them from my credit report as they are negatively impacting my credit score and financial standing. 
If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. Kindly help me investigate and remove the following items immediately : XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE
State: IN

Complaint narrative:
XXXX ( cut off due to weather ) and XXXX, I call my mortgage company, I had explained my hardship. I told them I was inquiring what needed to be paid to get on track or if I could do a bereavement. The operator then said they didn't do bereavements and with the sale being so close, they were not sure there was anything we could do. I told them I had intended to get the funds from my IRA and just needed to know how much it would take to get right and stop the foreclosure sale. Then I was told I had to apply for a reinstatement before they could tell me if I could. That's not even an amount. This application alone takes 5 to 7 business days. This still wouldn't tell me if I was approved or wouldn't stop the sale. She didn't sound positive on any of this. 
I have received papers before offering XXXX possible options in their hardship assistance program. Yet when I call asking for my options, I'm told they don't have any. So while my time gets closer I'm told to call daily to see if the application becomes available for me, At which time I fill out and return for approval. She said they can't stop the sale until that time. When I have little less than two weeks. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NV

Complaint narrative:
I have my XXXX XXXX  on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my credit score to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called XXXX  numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments 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 2024-07-12 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: NV

Complaint narrative:
I have my XXXX XXXX  on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my credit score to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called XXXX  numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have my XXXX card on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my XXXX XXXX to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called XXXX  numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments 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 explanation
Consumer complaint received 2024-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974.

See attachment for further details on the creditor and account details.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent items that appear on my credit report. I recently reviewed my credit report and identified several items that I did not open, nor do I recognize any of the transactions associated with these items. I believe that these items have been opened fraudulently using my personal information. I have not opened these accounts, nor have I authorized anyone else to open them on my behalf. I request that you conduct a thorough investigation of these items and remove them from my credit report as they are negatively impacting my credit score and financial standing. 
If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. Kindly help me investigate and remove the following items immediately : XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-07-12 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent items that appear on my credit report. I recently reviewed my credit report and identified several items that I did not open, nor do I recognize any of the transactions associated with these items. I believe that these items have been opened fraudulently using my personal information. I have not opened these accounts, nor have I authorized anyone else to open them on my behalf. I request that you conduct a thorough investigation of these items and remove them from my credit report as they are negatively impacting my credit score and financial standing. 
If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. Kindly help me investigate and remove the following items immediately : XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$29000.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XX/XX/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 2024-07-12 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:
The items listed below are still reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00}

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