vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate information being reported on my credit file concerning my account with XXXX  XXXX Account Number : XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter. 

The account is listed with the following inaccuracies : 1. The account status is marked as " charged off '' with a balance of {$570.00}, which I contest as inaccurate.

2. The reported history of missed payments and negative remarks does not align with the proper procedures for verifying accuracy under the FCRA. 

I believe this account may be in violation of consumer protection laws, including but not limited to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Incomplete Verification : If the information can not be fully validated with complete and accurate documentation, the reporting agency must remove the disputed account. 
Statutory Requirements : Inaccurate, outdated, or unverifiable information must be deleted per Section 609 and Section 611 of the FCRA. 

Please conduct a thorough investigation of this matter and provide me with a written response regarding your findings. If the accuracy of this account can not be verified or corrected, I request its immediate deletion from my credit report. 

Additionally, please notify all credit reporting agencies of this correction as required by law. 

I expect a response within 30 days as outlined in the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the inaccurate reporting on my credit report. This debt was legally canceled, and a 1099-C ( Cancellation of Debt ) was issued. Under federal law, once a debt is canceled, it is no longer legally enforceable, and reporting it as delinquent or outstanding violates the Fair Credit Reporting Act ( FCRA ). 

Key Points of My Dispute : 1. 1099-C Filing : The issuance of a 1099-C signifies the creditor has discharged the debt, and it should not be reported as active or collectible.

2. Inaccurate Reporting : Continuing to report this account as unpaid or delinquent is misleading and harmful to my creditworthiness.

3. Resolution Requested : I demand the immediate and permanent deletion of this account from my credit report. 

Failure to resolve this matter within 30 days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 2024-12-04 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
First communication was established on XX/XX/XXXX. I informed them based on my current loan amount, and original appraised value and seasoning, I would be eligible to remove my PMI. I followed up on XXXX and they said additional research was needed. On XX/XX/XXXX they got back to me stating " Please be advised that as as per XXXX XXXX investor we considering sales price {$540000.00} below is the calculation of XXXX : XXXX =current unpaid principal balance ( UPB ) / sales price amountXXXX = $ XXXX $ XXXX XXXX % Please send the signed PMI cancellation form and the XXXX fee of {$190.00} to order the XXXX. Please note that we can not order the XXXX  until we receive the XXXX fee. The XXXX fee may be sent by mail or paid via telephone at the number below : The signed cancellation request form and XXXX  fee can be mailed to the following address : '' I am not away of a retirement to request a XXXX  for having PMI removed if all requirements are met. 

I then called and they told me to wait until XXXX, so I did. Sent them a message in the portal on XXXX XXXX for PMI removal, XXXX got an automated message saying it was sent to their PMI department. Followed up on XXXX and still haven't heard anything.

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 2024-12-04 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: DE

Complaint narrative:
This morning, I noticed unauthorized inquiries on my credit report, and I dont know why they are there. I checked everything carefully, refreshed my browser, but the issue persists. Im incredibly frustrated and need the documents I sent to be checked thoroughly so I can put this behind 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 2024-12-04 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: NC

Complaint narrative:
DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY DISPUTED INQUIRIES ONLY NO PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : XXXX : XXXX ) XXXX XXXX ) REPRISE FINANCIALWEBB. EQUIFAX : XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. Credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights BEFORE WITHOUT PROPER OPTIONS I EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. CREDIT AGIENCIES ONLINE DISPUTE PORTALS DO NOT WORK SOME WILL NOT LET YOU EVEN DISPUTE BY PHONE OR ONLINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY DISPUTED INQUIRIES ONLY NO PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : EXPERIAN : 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 disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. Credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights BEFORE WITHOUT PROPER OPTIONS I EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. CREDIT AGIENCIES ONLINE DISPUTE PORTALS DO NOT WORK SOME WILL NOT LET YOU EVEN DISPUTE BY PHONE OR ONLINE.

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 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
Our Mortgage Loan was sold to Select Portfolio Loan Servicing- At that time, we were in a Forbearance agreement with our previous lender. Select Portfolio honored that agreement and extended the time of the agreement another XXXX mos. Before the end of the agreement in XXXX of XXXX  we submitted all requested/required paperwork to begin the process of a deferral agreement and/or Loan modification as promised by Select Portfolio. Since then, they have repeatedly requested the same information over and over. At every request, we send over the exact same information as requested the time before. With that being said, we have also repeatedly received letters from SPS claiming that our package is complete, and they will be making a decision with 30 days or less. After a day or so of receiving the " Complete Package '' letter we receive another request for the same information we've already submitted multiple times over! ( I can provide copies of all documentation ) After so much time has passed, SPS is charging us fees, etc. I retained an attorney who has resubmitted the paperwork/application etc.to SPS. Still NO ANSWER! My husband and I are reaching retirement age and this has been very unsettling and unhealthy to say the least. I have read countless reviews about Select Portfolio Servicing and there are a lot of people suffering at the hands of this company. They should be shut down! Any help would be graciously appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any 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 non-monetary relief
Consumer complaint received 2024-12-04 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 reviewed my credit report and discovered fraudulent accounts that I would like to have removed, as they are negatively impacting my credit.

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 2024-12-04 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 reviewed my credit report and discovered fraudulent accounts that I would like to have removed, as they are negatively impacting my credit.

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 2024-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate and remove the following accounts/inquiries due to fraudulent activity. 

This inquiry/account was fraudulently made by someone else and are to be REMOVED from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-04 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: DC

Complaint narrative:
I reached out to XXXX XXXX multiple times in XXXX and XX/XX/XXXX regarding an unauthorized account on my credit report. The account, which was supposedly closed and opened in XXXX, was causing significant issues. Despite my repeated attempts to locate and resolve the issue, XXXX XXXX was unable to find the account or associate it with me. They informed me that they couldnt take any action since they didnt see the account on my credit profile. 

Undeterred, I contacted the credit bureau multiple times, hoping to resolve the matter. However, on XX/XX/XXXX, I decided to escalate the issue by calling XXXX XXXX again. I provided them with the account number I had received from my transition and refused to end the call until I spoke with someone directly about the matter. 

XXXX XXXX acknowledged my concerns and assured me that they would escalate the issue to a higher department. A few days later, I received a call back from the same department. They confirmed that they had located the account, despite its supposed closure. However, they stated that they couldnt find any association between the account and my existing credit profile. 

The department offered to remove the account from my credit report within a couple of days, but unfortunately, this never happened. I continued to call XXXX XXXX numerous times, but they consistently reiterated that they couldnt take any action since they couldnt find any connection between the account and my information. Despite this, the account continued to appear on my credit report, causing me significant distress and inconvenience.

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 2024-12-04 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: DC

Complaint narrative:
I reached out to XXXX XXXX multiple times in XXXX and XX/XX/XXXXXXXX  regarding an unauthorized account on my credit report. The account, which was supposedly closed and opened in XXXX, was causing significant issues. Despite my repeated attempts to locate and resolve the issue, XXXX XXXX was unable to find the account or associate it with me. They informed me that they couldnt take any action since they didnt see the account on my credit profile. 

Undeterred, I contacted the credit bureau multiple times, hoping to resolve the matter. However, on XX/XX/XXXX, I decided to escalate the issue by calling XXXX XXXX again. I provided them with the account number I had received from my transition and refused to end the call until I spoke with someone directly about the matter. 

XXXX XXXX acknowledged my concerns and assured me that they would escalate the issue to a higher department. A few days later, I received a call back from the same department. They confirmed that they had located the account, despite its supposed closure. However, they stated that they couldnt find any association between the account and my existing credit profile. 

The department offered to remove the account from my credit report within a couple of days, but unfortunately, this never happened. I continued to call XXXX XXXX numerous times, but they consistently reiterated that they couldnt take any action since they couldnt find any connection between the account and my information. Despite this, the account continued to appear on my credit report, causing me significant distress and inconvenience.

Company response to consumer: Closed with explanation