vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX American woman with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by XXXX, Equifax and XXXX Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for XXXX, XXXX or Equifax to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The XXXX and time consumed trying to rectify these issues are burdensome and exhausting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to the bureaus to update my Social Security number since 2 different ones show on 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 2024-05-10 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: FL

Complaint narrative:
I sent letters to the bureaus to update my Social Security number since 2 different ones show on report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: KEYCORP
State: OR

Complaint narrative:
I had good score then are you get to XXXX relationship? Then I tried hard to fix my credit score and I did great to run away from my XXXX relationship. I traveled out of US and I went to a country has no Internet and I couldnt access to my bank online account to pay the payment for the credit card I have money in my saving account which credit card allowance so I couldnt pay the payment. They charge me interest over interest over interest over interest and I couldnt contact them whatsoever because there is no Internet. There was nothing there when I came back. I went to the bank. I talked to them. I told them that situation and I paid off the credit card, but they never back me on the credit card. I applied again they rejected my application. It was the bank fault not my fault because I called them before I go to my country and told them Im gon na travel and that was back on XXXX or XXXX. Im not remembering they closed my account and this was not my fault at all, and I have at the same bank saving account covering, three times the credit card allowance while I was owing like nothing money you can mention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back at the end of XXXX I discovered there was fraud on my credit report. The way I found out was through a mortgage lender who showed me my report with many accounts that weren't mine. I filed a police report and used that to try and fight the fraud accounts personally, but I wasn't getting anywhere. Eventually I did get a letter from US Bank saying they removed most of the fraud activity on the card but not the card itself. I then hired XXXX XXXX XXXX to help me with this fraud case. They helped me by instructing me to file a fraud affidavit and notarize it as a supplement to the police report. After I did so we submitted the fraud packet to all the credit bureaus as well as to the creditors listed on my credit report. Two of the three creditors fixed the problem without any setbacks, but US Bank did not. They even verified to the credit bureaus this was a legitimate account when in fact it isn't. They still say that I owe them money. Since then, we've called numerous times to numerous numbers for US Bank. We've spoken with representatives such as XXXX and XXXX. I have also spoken with XXXX and others like XXXX. I've even spoken to supervisors such as one named XXXX as well. I've spoken to many more, but I won't list all the names. We've even been given the number to the investigation team which is XXXX. And we've tried sending them notices multiple times to different addresses which are listed on the credit report. We get them back as mail return and most of the times we are bounced around from department to department and ultimately to a voicemail. The few times we have spoken to people, like recently on XX/XX/XXXX when I spoke with XXXX, she said she is going to help us and that we will get a call back from somebody in a few days, but we don't receive this call. I started this in XXXX and now it is XX/XX/XXXX. Today I tried calling along with XXXX XXXX XXXX and we spoke to numerous people telling them my situation and how this was my last straw. If things didn't get resolved again today, I would proceed with suing them as they are preventing me from buying a house. I got transferred three times to three different representatives and finally hung up on. There is no more patience left in me. Please go after US Bank as I believe they will not help me and they are probably doing the same thing to many others.

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 2024-05-10 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: LEXISNEXIS
State: AL

Complaint narrative:
This dispute is in continuation of remedy to dispute XXXX in duty of furnisher and unlawful use of information contained in my consumer file. 

To this date I have still not recieved any lawful communication of the deletion of this information as their failure to respond in the time period leaves no other option 15usc1681i ( 5 ) Any communication other than that of the lawful remedy of deletion is null and void since first day of failure to respond date. 

I will also be presenting this as further evidence of proper dispute to lawful persons in order to start litigation intervention in which I will seek actual damages in accordance to 15usc15 and 15usc1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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 looked upon my credit report and discovered these accounts that need to be deleted ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
I called equifax and XXXX to let them know that I noticed unauthorized inquiries on my credit report and wanted them removed. They both told me they are not to remove the inquiry and to send in identification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX. : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2024-05-10 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-10 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: 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2024-05-10 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: MI

Complaint narrative:
I have been trying for three years for experian to correct an error on my credit report which is causing my credit score to be lowered with them by over XXXX points. When I order my free credit repor from experian, it shows that I have one ( 1 ) potentially negative credit account that is adversely effecting my credit score yet the report shows that all of my accounts have a positive account activity history. The error stems from an account which I co-signed on an auto lease for my step-son through XXXX XXXX XXXX XXXX. After about a month of my step-son driving the truck, the truck was totalled. The trucked was paid off via our insurance company and this information was reported to XXXX, Experian, and XXXX. All three credit reporting agencies updated their reports to show as a " Paid. Closed/Never Late '' status however, either someone at Experian did not close the account correctly or their algorithm is someone reporting this as a " Potentially Negative Account '' which is greatly impacting ( XXXX points ) my credit score. Over the last three years, I have contacted Experian multiple times regarding this yet no one seems to care about resolving this. When I contact the dispute department all they say is that all of my accounts show a positive history and they are not sure why my report shows a " Potentially Negative Account. '' When I ask them what that part of my report is linked to, no one can give me an answer. Again, this only happening with Experian. It is either a human error on their end related to how they improperly closed out the XXXX XXXX Account that had the lease or their is a problem with their alogrithm that no one is bothering to address. Being that I have tried to resovle this for the last three years on my own, I kindly ask that your office assists with the resolution. My most recent dispute of XX/XX/XXXX is under dispute/report XXXX XXXXXXXX.

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 2024-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I applied for help with the XXXX XXXX program and was accepted for an amount of XXXX. Which would have helped significantly. Unfortunately, the lender was allowed to deny it and then continued to move forward with the foreclosure process. Why is there a program to help if the service is allowed to deny it? How does this help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We lost our XXXX XXXX XXXX and Wells Fargo will not give us our loan modification. They would lose our paperwork. Eventually us XXXX XXXX XXXX. Bought home in 2007 and fought for many years to get a loan modification.

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