vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
CONSUMER FINANCE BUREAU COMPLAINT LETTER In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
I have multiple incorrect inquiries on my report that need to be removed asap... 
I have contacted these companies and the representatives have told me they would return my call whenever they find out more information on the inquiries and none have returned a call after I mention each time I contact them. So I'm taking matters into my own hands and contacting y'all to remove these inquiries below from my report due to them being incorrect and damaging my credit report severely... Thank you in advance The incorrect inquiries needed to be removed from my reports : { Experian } XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting fraudulent inquiry from XXXX XXXX XXXX that needs to be deleted from my report. This inquiry was done XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXXXXXX to purchase a vehicle. Going through the financial process with XXXX ( XXXX XXXX XXXX ). I informed them that I had obtained financing from another institution but if you could come in at a lower rate I would do business with XXXX ( XXXX XXXX XXXX ). 
XXXX was having problems with there financial group. 
I found that XXXX had done other inquiries. XXXX was to XXXX XXXX and the other was to XXXX XXXX XXXX. They didn't have my approval! 
This means that there were XXXX HARD INQUIRIES on my credit report. 
This action was like 'I ' gave them permission. NOT GIVEN. 

XXXX INQUIRY. YES ( XXXX XXXX ) THE OTHER XXXX. NO. 

CREDIT SCORE DOWN XXXX POINTS FRAUDULENT ACTIONS want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: OH

Complaint narrative:
After 5 months of my husband calling to resolve issues making payments on our mortgage, I called today. 
Three months ago, our payment kicked in and out multiple times. 
My husband was told we could no longer make auto payments. 
We paid multiple bank fees associated with these returns. 
My husband noticed his bank account number was different in the loan app. 
He was told he must have changed the number himself. 
No reason why he would do so, as he has not changed banks nor account numbers since before we purchased the home. 
He made more calls, was told he could no longer pay from his bank account. 
He was told we must pay by official check via us mail. 
We sent requested checks, still awaiting checks to be credited to our mortgage. 
THE MAN TODAY REALIZED THE PROBLEM. THE COMPANY WAS HACKED IN XX/XX/2023. WE WERE NEVER NOTIFIED OF THIS DATA BREACH. HE HAS SEEN IT WITH OTHER CUSTOMERS EXPERIENCING PROBLEMS. LOAN ACCOUNT NUMBERS HAD BEEN ACCESSED AND NUMBERS WERE TRANSPOSED. 
We had incurred fees with both the mortgage company and the bank. Payments have been late and we are still struggling to sort it out. Multiple payments were taken and returned. My husband attempted to call attention to the account number discrepancy and was silenced. 
All to find out there was a data hack, we were not the only customers, and both our finances and our credit reports have been hit multiple times. 
Why were we never notified of this data breach? 
Why did no one before today know about it? 
Why were we made to stress for weeks and months? 
I was told to wait until our last two payments via certified check clear, then make all further payments by phone only. I was told the app will still have the incorrect, hacked account number, and our payments will continue to be misdirected. I should call in the future and perhaps someone in loancare IT can remedy the mistake in the app. 
So they told no one about the data hack, they currently have no blanket fix for the hack, and although we ( hopefully ) sorted it out today, the situation has not been rectified. Our credit has suffered, our always on time payment record is now blemished, and we have paid extra funds for mistakes not make by us. The company still had no intention of solving the problem or admitting it's security risks.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly expedite these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hey these is my third time disputing inaccurate information and these company have violated my rights. Accordingly to 15 us code 1681 and 15 us code 1681b and 15 us code 1681 c-2, 15 is code 1681 s-2, these laws are violated and I want this law put in place. Please remove these accounts. The data is wrong on these accountXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm reaching out today because upon reviewing my most recent credit report, I'm deeply troubled by the inaccuracies present. It's concerning that these items are being reported incorrectly, and I'm seeking your assistance in resolving these issues.

As per the Fair Credit Reporting Act ( FCRA ), it's mandated that credit bureaus report information that is entirely accurate, verifiable, and timely. I understand that you have a 30-day window to conduct investigations as required by law. Failure to adhere to these federal regulations could result in an investigation by the Federal Trade Commission.

I insist on a comprehensive investigation into each error listed, with a detailed report provided to me upon its completion. 

Regarding the inquiries listed below, please address them as well : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
PMI is suppose to automatically come off at 78 % of the original value of home. Property cost XXXX. Balance is XXXX which is now XXXX. Lender refused to take off PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I had requested 3 separate lease extensions from Ally Financial ( lease ended XX/XX/XXXX originally ). It took me 8 phone calls and finally reprinting and scanning in my signed lease extension forms to get the first lease extension until XX/XX/XXXX. I then requested another lease extension as I was going to be out of the country, signed the paperwork sent to me, returned it, and called afterwards to verify this went through. 
I kept paying my monthly payment each month and kept checking my account to make sure everything was ok- each month, I had {$0.00} owed as my balance and the account was in good standing. I then submitted a request for another lease extension in XXXX as the current extension was going to finish in XX/XX/XXXX. Ally again sent me paperwork for another 3 month extension, I completed and sent this in. My lease at this point is supposed to end in XX/XX/XXXX. 
Today, XX/XX/XXXX, I went outside to find my car gone. The car had been repossessed with zero notice, no letter sent, and no update on my account not being in good standing. I was absolutely shocked and called Ally immediately to ask. The first two representatives I spoke with had no clue, as it said my account had {$0.00} due and was in good standing. 
Finally, a few hours later, I got ahold of someone in the Recovery department ( XXXX XXXX and she told me my lease had been overdue for 6 months (!! ), and that was why the vehicle was repossessed. I had zero notice and every time I called Ally or checked online, I was told everything was fine. I had zero phone calls, emails, letters, or even messages/account updates on the Ally website from Ally. This is illegal repossession and a bad practice at the very least. I still do not know how I am going to get my car back, and with the way Ally has done business throughout the life of my loan, I am even less sure that this can be worked out.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
On or around XX/XX/XXXX i sent the Credit Bureau 's letters disputing the inaccurate information reporting on my credit report. They said that Conn 's verified the information as being correct. This account was dismissed in Bankruptcy so how could it be verified and it should be deleted immediately! Conn 's reported last payment activity was XX/XX/XXXX how could that be when in fact the account has been dismissed and closed since XX/XX/XXXX. That is Fraud and inaccurate reporting which is a violation of the Fair Credit Act! I will follow up with a class action lawsuit if this is not corrected effective immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide me with the contract between me ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please provide me with the written contract between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for this debt. If not you must delete of your in violation of the federal and the state Fair Debt Collection Practices Acts.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all 3 major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account Number XXXX XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, Equifax, and XXXX is in clear violation of the law pursuant 15 USC1681B. The company has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. Please remove Eastern Account system from report. Under the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, and Experian is in clear violation of the law pursuant 15 USC1681B. The company has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. Please remove XXXX Account system from report. Under the Fair Credit Reporting Act, XXXX, XXXX, and Experian has violated my rights. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-05-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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