vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: TX

Complaint narrative:
I have requested from : XXXX, XXXX XXXX TransUnion to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and XXXX thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX  acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXX bankXXXX XXXX acct. ending in XXXX, unknown account. 
XXXX bankXXXX XXXX acct. ending in XXXX, unknown account. 
XXXX acct. ending in XXXX, unknown account. 
XXXX, XXXX XXXXXXXX acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX XXXXXXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX XXXX  XXXX ending in XXXX, unknown account.

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 2024-08-24 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:
I have requested from : XXXX, Experian XXXX XXXX to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and XXXX thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX  acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX acct. ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXXXXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX  acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXXXXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX XXXX XXXX  ending in XXXX, unknown account.

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 2024-08-24 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: VA

Complaint narrative:
I UPLOADED PROOF O F IDENTITY AND ADDRESS ALONG WITH FTC AFFIDAVIT : identifies as information that resulted from an alleged identity theft, not later than 4 business days after ( BY LAW XXXX, Transunion and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights

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 2024-08-24 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: Experian Information Solutions Inc.
State: FL

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

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 informationisinaccurate.

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 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I placed my check in the mail on XX/XX/XXXX, freedom mortgage held my check for a minimum of 6 weeks without cashing it. Sent me 4 letters of late payment, contacted my bank in regards to a late payment which dropped my credit score by XXXX points. I received my XXXX statement showing a double payment, assuming they lost my check, I mailed the double payment. They cashed both checks within a 24 hour period. Emptying my savings account and putting me in overdraft. When I contacted them, they blamed the post office. 2 letters mailed 30 days apart don't arrive on the same day. Statistically impossible. This is the XXXX time they've lost my check since buying my house.

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My son 's car was declared a total loss after an accident he had and car got paid off by insurance, GAP, and received a XXXX dollar refund for over payment. XXXX XXXX now called XXXX reported we had a balance but institute said and showed balance was paid off but it has not and should have never been reported as negative mark on 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 2024-08-24 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: SC

Complaint narrative:
I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments.

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my Transuion and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.

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 2024-08-24 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:
I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were t

aken out and I never recieved any payments. The school payed for th
ose 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: SC

Complaint narrative:
I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments. 

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from Experian. 

I would like for these loans and all of these false information to be removed from my credit report immediately.

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 2024-08-24 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: SC

Complaint narrative:
TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED AND THE SUPPORTING DOCUMENTATION, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS ACCOUNTS TO REMOVE XXXX  : # XXXX {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc.
State: CA

Complaint narrative:
I am filing this complaint against MIB , Inc. for two specific reasons : Unauthorized Sharing of Consumer Information : MIB , Inc. collects and shares sensitive medical information with third parties, including insurance companies, without my explicit consent. Despite requesting that they cease sharing my information, I have received no confirmation or action to stop these practices. I am concerned that my personal data continues to be used for underwriting purposes without my authorization, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide a Consumer Report Upon Request : Under the FCRA, I am entitled to receive a free consumer report from MIB, Inc. upon request. I requested a copy of my report, but they have not provided it within the legally required 15-day window. This lack of response is a clear violation of federal law, as I have a right to review the information that MIB, Inc. holds about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX  and XXXX accounts were compromised, instead of working with me to investigate the fraud they charged off the accounts. Portfolio recovery associates continues to falsely report the dates and type of debt, and disregards the disputes. After I successfully have won disputes they submit new collections records renewing the negative marks and hurting my credit worse than before I disputed the debt. They call me XX/XX/year> times per week and if I speak to them they are hostile and threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: MI

Complaint narrative:
I am writing to DISPUTE the following archives that your company supplied to one or more CRAs.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, proper adhering of Federal and state reporting laws and or proficiency in your even extremely compliant adhering to the mandatorily practiced credit reporting industrys behaviors namely the XXXX own XXXXdetailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions oflegitimate documented compilations that else better ensure integrity of asseverations made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which may have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably reverential reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are Absolutely passable to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
Can't believe what just occurred so be careful with FNBO so they don't take advantage of you. We go to a restaurant once or twice per month and on XXXX occasions I played {$10.00} of XXXX. Got my credit card statement and noticed the charge of {$10.00} but then a separate charge of {$15.00}. Called the XXXX XXXX XXXX to ask what it was and they explained that they consider XXXX a XXXX XXXX and would not waive the {$15.00} fee. I have had this card for 28 years and use it frequently. Never a late payment and yet they will still not waive the fee. FNBO manager was rude to say the least. {$15.00} dollar fee on a {$10.00} charge is like going to a loan shark. Be aware! 

Never received a cash advance and charging a fee of 150 % is simply wrong.

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 2024-08-24 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:
I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX- Account # XXXX This account has multiple inaccuracies and is reflecting negatively on my XXXX credit report, This account does not belong to me and should not be reporting on my credit file, I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 
Please DELETE for inaccuracies! 

*XXXX- Account # XXXX Is reflecting negatively on my XXXX, XXXX, and EQUIFAX credit reports.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 

*XXXX- Account # XXXX  This account reflects a DEROGATORY status on my XXXX credit report and this account has never been late and has always been paid up to date. Please UPDATE this account to a positive status. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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 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