vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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.

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 2024-05-31 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.

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 2024-05-31 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: NC

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 XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$52000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-05-31 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:
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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-05-31 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: MS

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Per my credit report, TD Bank USA/Target credit card XXXX XXXX on XX/XX/XXXX. I have never applied for a Target credit card, I am an authorized user on my wifes account. 

Im not sure of the exact date I became aware of this new card on my credit report. I have had several issues with fraud in the past, and had thought my credit was frozen to protect me. I am guessing it was XXXX or XXXX of XXXX, months ago when I received a letter in the mail from Target saying I had a balance due. I called the number on the letter that day and asked questions- at first I thought it was related to my wifes account as authorized user. When I realized it was not, I told them it was fraud and they said they would investigate and get back to me. 

A few weeks later I received another letter saying my fraud claim had been denied because it was opened with my personal information, the card had been mailed to my address, it was activated by my verified phone number, and there was prior communication with their collections department. 

I called the XXXX number on the letter for Dispute Resolution and talked to an agent. I tried to ask them to confirm the information associated with the card- they said it was XXXX XXXX. They read off an email and phone which were not mine, but would not repeat or send that information to me. I only heard it the XXXX time verbally. 

I then reported the fraud to XXXX, however it was verified as accurate. 

Last week, I received a letter from a collection agency for this debt. I wrote them a letter that this is not my debt, this is fraud, and I will not be paying the balance as I did not open this card, I have never applied for a target credit card, and I did not benefit from the purchases attributed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Omega RMS, LLC
State: FL

Complaint narrative:
I am writing to follow up on my second dispute regarding the accuracy and validity of a collection account reported on my consumer credit report. Despite the collection agency 's commitment to provide supporting documentation, I have yet to receive the requested validation. This continued failure to comply with regulatory requirements necessitates further investigation. The debt has now been transferred to a different collection agency. Rather than providing the requested information, they issued a vague statement and transferred the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omega RMS , LLC 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 Laws Being Violated

: 1. HIPAA Violations : The collection agency has accessed and disclosed my individually identifiable health information without proper authorization, in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). The specific violations include : * Unauthorized use of my unique health identifier.

* Obtaining my individually identifiable health information without my consent.

* Disclosing my health information to unauthorized parties.

These actions are punishable under HIPAA, with penalties including fines and imprisonment as detailed in Public Law 104-191.

2.FCRA Violations : The collection agency is also in violation of the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. The specific violations include : * Failure to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), despite having placed a collection account on my credit report.

* Not providing me an opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

* Utilizing false, misleading, and deceptive means to collect the debt, thereby violating my consumer rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
am in the middle of a loan modification review and my lender is dual tracking. I was advised that I do need to pay a lien off the property with my HOA. I have been in contact with my HOA and the amount is a little over XXXX. My file is with underwriting and they stated that they need the release of lien from the courts. They did not bother to advise me of the amount. I was told by the receptionist at the hoa as i was not able to reach the person t provide the fullo amount owed that even if I do pay that it can take up to 30 days for the loi3en release. Meanwhile, I have a sale date. Meanwhile, Im in review. Im doing what I need to do working with my HOA and this freedom mortgage is trying to still sell my property at the same time while Im working on paying and clearing up my title issues. That is absolutely dual tracking. dual tracking is status on the consumer protection website bureau as. My File is with UNDERWRITING yet they are tyring to take my home without giving me the time allowed to settle things.

Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.

My File is COMPLETE. I am in the process of clearing title.

I am demanding my cell they be postponed due to the negligence, lack of work ethic I feel like Im being discriminated against. Why would you guys put my property up for sale if Im in underwriting and Im trying to clear the title lean as you guys advise me too it takes at least 30 days to get the lien release..

this is completely unacceptable and this is why so many properties get foreclosed on because people do not stand up for their rights. I will not allow this. I need my cell postpone so I can continue the review of my file in the appropriate manner by people who can do their job properly. I am a XXXX  XXXX father, and it is very apparent that they would rather foreclose my property than assist me because why would you not allow the lien release to go through if you know it takes up to 30 days via the court. In the meantime {$7000.00} is a lot to spring on me. I was not expecting that but I have majority of it to pay them and they are very well made aware of that. I

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I obtained a copy of my credit reports online in XX/XX/2024 from all three credit bureaus. There was a XXXX Bankruptcy court item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) ; " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. 
With that being said. I filled a dispute to each credit bureau in regards to the bankruptcy public record on my credit reports. Between XX/XX/2024 and XX/XX/2024 the bankruptcy public record was removed from my XXXX credit report. I am requesting that it also be removed from XXXX and XXXX credit reports as well. 
The Bankruptcy XXXX stated that they do not provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies, and or third party providers who collect information regarding public cases from public records. Public records information is never validated by the XXXX XXXX system due to the Fair Credit Reporting Agency Privacy Law. My inquiry to the XXXX XXXX XXXXXXXX XXXX XXXX credit bureau has ever validated or verified the public record entries on my credit report, neither will the ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information. Public records may oftentimes be reported by third party sources unaware to the consumer, and in most cases incorrectly. Considering the information indicating a XXXX XXXX XXXX XXXX violation, I am requesting that all bankruptcy information currently showing under my social security number be permanently deleted from my credit report immediately. 
I am also requesting that XXXX and XXXX provide me with copies of all documentation associated with this public record account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, a all the information listed under " XXXXXXXX XXXX  '' needs to be immediately deleted from the credit file under my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: DISCOVER BANK
State: LA

Complaint narrative:
I obtained a copy of my credit reports online in XX/XX/year> from all three credit bureaus. There was a XXXX Bankruptcy court item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) ; " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. 
With that being said. I filled a dispute to each credit bureau in regards to the bankruptcy public record on my credit reports. Between XX/XX/year> and XX/XX/year> the bankruptcy public record was removed from my XXXX credit report. I am requesting that it also be removed from XXXX and XXXX credit reports as well. 
The Bankruptcy XXXX stated that they do not provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies, and or third party providers who collect information regarding public cases from public records. Public records information is never validated by the XXXX XXXX system due to the Fair Credit Reporting Agency Privacy Law. My inquiry to the XXXX Bankruptcy XXXX XXXX XXXX credit bureau has ever validated or verified the public record entries on my credit report, neither will the ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information. Public records may oftentimes be reported by third party sources unaware to the consumer, and in most cases incorrectly. Considering the information indicating a XXXX XXXX XXXX XXXX violation, I am requesting that all bankruptcy information currently showing under my social security number be permanently deleted from my credit report immediately. 
I am also requesting that XXXX and XXXX provide me with copies of all documentation associated with this public record account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, a all the information listed under " XXXX XXXX '' needs to be immediately deleted from the credit file under my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-31 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation