vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: Collection Management Holdings, LLC
State: SC

Complaint narrative:
This collection agency has furnished a medical record to my consumer report illegally without my authorization under HIPPA.

HIPPA is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require,
a covered entity to use and disclose PHI, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and healthcare operations Opportunity to agree or object to the disclosure of PHI An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of PHI, without an individuals authorization or permission, for 12 national priority purposes : When required by l

aw Public health activities Victims of abuse or neglect or domestic violence Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons Cadaveric organ, eye, or tissue donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the 12 priorities listed above.

This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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
Consumer complaint received 2024-01-12 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Halsted financial services are sending me text, emails, & phone calls everyday for a debt XXXX  XXXX XXXX  acct # XXXX but another company I have a payment arrangement for XXXX  XXXX XXXX  acct # XXXX I am already paying with resurgent company I dont understand whats going here both companies can not go after the same debt thats illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CO

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX 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 2024-01-12 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: CO

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt has been sold to multiple collection companies. Neither the creditor nor the collection agency has sent validation proof. I dispute this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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 accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts XXXX XXXX XXXX XXXX Inquiries 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 non-monetary relief
Consumer complaint received 2024-01-12 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: CO

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2024-01-12 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: MI

Complaint narrative:
It has come to my attention that the presence of numerous accounts on my credit report may be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, financial institutions are required to provide an initial notice and an annual notice to customers at the establishment of the relationship and thereafter. Furthermore, if XXXX has been shared with non-affiliated third parties, customers must be provided with an opt in/opt-out notice, a reasonable way to opt in/opt out, and a reasonable amount of time to exercise the right to opt out before any disclosure or contract is signed most contracts and disclosures states we will not share or sell your personal and financial information abiding the federal law of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( XXXX I assert that I have not received the necessary notices and information regarding the handling of my NPI, as mandated by the GLBA. This lack of compliance raises serious concerns about the privacy and security of my personal and financial information. 

I kindly request a thorough investigation into this matter and expect the immediate removal of the listed accounts from my credit report if found to be in violation of the GLBA. Additionally, I request written proof, not emails or templates, demonstrating the authority to disclose, the right to opt out or opt in, and the contract I signed with your organization with my written signature granting permission for the sharing and selling of my information for monetary gain. 

Failure to comply with this request may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and request a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA within a reasonable timeframe of 7-14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: MI

Complaint narrative:
It has come to my attention that the presence of numerous accounts on my credit report may be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, financial institutions are required to provide an initial notice and an annual notice to customers at the establishment of the relationship and thereafter. Furthermore, if XXXX has been shared with non-affiliated third parties, customers must be provided with an opt in/opt-out notice, a reasonable way to opt in/opt out, and a reasonable amount of time to exercise the right to opt out before any disclosure or contract is signed most contracts and disclosures states we will not share or sell your personal and financial information abiding the federal law of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( XXXX I assert that I have not received the necessary notices and information regarding the handling of my NPI, as mandated by the GLBA. This lack of compliance raises serious concerns about the privacy and security of my personal and financial information. 

I kindly request a thorough investigation into this matter and expect the immediate removal of the listed accounts from my credit report if found to be in violation of the GLBA. Additionally, I request written proof, not emails or templates, demonstrating the authority to disclose, the right to opt out or opt in, and the contract I signed with your organization with my written signature granting permission for the sharing and selling of my information for monetary gain. 

Failure to comply with this request may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and request a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA within a reasonable timeframe of 7-14 days.

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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I had XXXX XXXX in XX/XX/XXXX. I had a bad fall in XX/XX/XXXX and spent two weeks in the hospital. PennyMac contacted me and claimed I was behind two payments. I agreed to a repayment plan and made the first payment by phone, in XX/XX/XXXX. I had a second payment due XX/XX/XXXX, a third on XX/XX/XXXX, to resume regular payments XX/XX/XXXX. I have been calling the PennyMac numbers to make payment but they do not answer. Instead they put you in a phone loop that eventually hangs up. I posted a complaint on their XXXX page and they replied within hours, saying they would have a specialist look into this and contact me. That was a few days ago. I still can not make this payment. They suspended my ability to pay online due to the special payment plan. Im so frustrated and worried. This is so unfair!!! I have plenty of money to make payment, I simply can not reach them to do so! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Pursuant to 18 USC I owe no debt. This company is violating my right to privacy according to 15 USC 1681 b 2. This company also doesnt have permission to publish anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX Pursuant to 18 USC I owe no debt. This company is violating my right to privacy according to 15 USC 1681 b 2. This company also doesnt have permission to publish anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
Using my important information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to my report. Please remove!! Also Pursuant to 15 usc 1681i ( a ) ( 1 ) ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
I did not consent to this UNFAIR and INACCURATE information to be reported to my report. Please remove!! Also Pursuant to 15 usc 1681i ( a ) ( 1 ) ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: AR

Complaint narrative:
I have diligently followed the established dispute process, submitting detailed letters and supporting documentation to substantiate the inaccuracies in reporting. However, despite these efforts, the charge-off accounts remain unchanged on my credit report.

I would like to bring to your attention the following concerns : Despite multiple attempts, there has been no resolution to remove the inaccurate charge-off accounts from my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy of the information they report.

The presence of these inaccuracies has significantly impacted my credit score, making it difficult for me to secure favorable interest rates on loans and obtain credit when needed. This situation is unjust and undermines the purpose of credit reporting, which is meant to provide an accurate reflection of a consumer 's creditworthiness. 

It appears that the credit bureau has not thoroughly investigated my disputes, as the erroneous information remains on my credit report. I request a detailed and comprehensive investigation into these matters as mandated by the FCRA. 

I kindly request your immediate attention to this matter and a prompt resolution to remove the inaccurate charge-off accounts from my credit report. If necessary, please provide information on the steps being taken to investigate and correct this issue. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Failure to address this issue within the specified timeframe will compel me to escalate this matter further through legal channels. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$29000.00}.

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 non-monetary relief