vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
XXXX furnish my information for third-party. Also without my consent XXXX XXXX  original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate

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 2024-03-14 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: NY

Complaint narrative:
As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
XXXX furnish my information for third-party. Also without my consent XXXX XXXX original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX  is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
Experian furnish my information for third-party. Also without my consent XXXXXXXX XXXX  original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX  is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 5-2 Says you, PNC Bank , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA XXXX mandates the removal of any inaccurate accounts from my credit report, if I'm not mistaken. Can you review the documents, please? There are inaccuracies in some of the listed accounts, and it's unsettling for 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 non-monetary relief
Consumer complaint received 2024-03-14 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: SC

Complaint narrative:
Equifax is showing a charge off from Applied Bank with a balance of {$140.00}. I have NEVER had a credit card account with Applied Bank and when I reached out to them at XXXX XXXX XXXX I was advised that I had no account with them. I need this account removed from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year>.

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 2024-03-14 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I send debt validation letter to Congress Collection they were given 30 days no one responded all effort were ignored, however one of the accounts were deleted from my credit report. Secondly these debts originate from a XXXX XXXX XXXX bill that the statue of limitation of 7 years has surpassed by years. They have changed the account numbers and sold them to a third party debt collector the originate from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: IN

Complaint narrative:
Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX I was a victim of an assault inside a XXXX by a man who then was wanted in XXXX states and they charged him with XXXX counts of attempted murder I was beaten severely and suffered a fractured skull, broken eye socket and more severe injuries including blood clots still to this day. During all this I had insurance and it was billed and paid but yet I have so many collections of things out of my control I have already had deleted off my credit but they keep returning. I got divorced in XXXX and my name changed because the judge combined my married and XXXX name. This had made it difficult for me and even though I paid my credit cards on time they just closed my accounts. I have disputed and won then I see it comes back and sold again. Only thing I have is my credit and as you can see I am working hard to fix it. I am XXXX now and also have a son who is now and adult with special needs. Attached are collections and documentation of why I have tried and now are doing this to get help and them removed completely. I am a XXXX of a credit file limiting me to not be able to do anything for my family and myself not having credit. 
XXXX XXXX, Progressive, XXXX XXXX, XXXX XXXX, Kohls,, XXXX, credit XXXX and more I have attached. Also you can see that some had just been canceled for no reason and the reason is the change in my name I have sent my name and divorce details with my new ID but it still hasnt been fixed leaving multiple names on my file. I am out of energy disputing and winning then loosing because illegal sell of debt and old debt becomes new from collection companies that are dishonest and cruel. Its horrible a car insurance policy rate depends on your credit rather than driving history. I am desperate to get help and I cant afford attorneys to do what I have been working so hard to clean up. I have court papers to show the judgement are and should be removed from XXXX XXXX and more. Please see items I download documents are, court papers, Id, proof of the violent crime I was a victim of, my divorce showing my name change and more. I have sent more letters I hope this helps and also the amount of XXXX inquiries on my credit in XXXX months is over XXXX from car dealerships that continue to run it behind my back. 
I attached the collections that need to be removed so I can get my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: KY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-14 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: PA

Complaint narrative:
Without fail, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
My credit card company Discover recently closed my account for reasons not specified. So currently since I have a remaining balance on it I still have to pay it off while not having access to my card for daily spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was In jail for over 3 years and got out and find out somebody try to get credit and loands under my name as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My private mortgage insurance through Carrington Mortgage was supposed to be automatically terminated when my loan balance hit 78 % of the original appraised value of my home. I continued to pay PMI for at least two years after my balance hit this amount. When I contacted the company by phone, none of the representatives could tell me whether I had hit 78 %, but did tell me repeatedly that the PMI would have automatically terminated if I had met the requirements. They suggested I make a written request for PMI to be cancelled. I made this request and emailed it on XX/XX/XXXX to the email address provided. I received no response. I emailed again on XX/XX/XXXX and received no response. I then called on XX/XX/XXXX and was told there was no record of them receiving my emails despite verifying I had the correct email address. I then faxed them a request on XX/XX/XXXX. On XX/XX/XXXX I still had received no response, so I called again and was told that the PMI was canceled on XX/XX/XXXX. However, after being transferred multiple times to different representatives no one was able to tell me when my PMI should have been automatically terminated or when and how I would be refunded for the overpayment. I was again told to email or fax a request for this information. I emailed and faxed this request on XX/XX/XXXX. As of XX/XX/XXXX I still have not received a response. I missed three calls from my mortgage company so I called them back and was told they were calling to check when they would receive my monthly payment ; this made no sense as I am enrolled in autopay and the payment comes out of my account on the XXXX of the month and they had called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very frustrated that no one seems to be acknowledging the error and no one is working to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXX  - Delete from file XXXX XXXX - Delete from file XXXX XXXX  - Delete from file XXXX XXXX - Delete from file XXXX XXXX XXXX XXXX XXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2024-03-14 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: NJ

Complaint narrative:
Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX  XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX XXXX XXXX XXXX XXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: KY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-14 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: TX

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 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 2024-03-14 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns 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