vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2024-01-27 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX  XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX CXXXX  XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}

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
Consumer complaint received 2024-01-27 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX  XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX  XXXX XXXX InquirXXXX {$0.00} XXXXXXXX XXXX XXXX XXXX  Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
My government student loans were paid off and closed as part of the Public Service Loan Forgiveness program in XXXX, XXXX. Within a month, XXXX and XXXX were both showing all of my student loans as paid and closed. 

As of XX/XX/XXXX, Experian is still showing all of my student loans as active and with balances. I disputed this credit reporting directly with Experian on XXXX XXXX, XXXX, and provided all documentation at my disposal. On XX/XX/XXXX, Experian completed their investigation and stated that the account status of my student loans was accurate and made no changes to my Experian credit report. I am in the process of applying for a mortgage. The mortgage provider has already stated that, " even though two of the three credit bureaus are showing that you have NO student loan debt, they will still need to calculate student loan debt into my debt-to-income ratio '' because these loans are showing on Experian, " and that the balance of my student loans would impact the amount that I could borrow for a mortgage. '' This is very frustrating!

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 2024-01-27 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: MD

Complaint narrative:
XXXX, XXXX and TransUnion are consumer reporting agencies and have a responsibility to be fair, impartial and respect consumers right to privacy. 
I have the right to make sure my private information isnt shared. Privacy Act of 1974. 

Firstly, there are multiple non-mailable addresses on all of the reports. I only have one address of which i can receive mail and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all other addresses are to be DELETED. You are putting me at risk for identity theft. TRANSUNION especially!! 

All phone numbers across all reports are to be DELETED. I DO NOT authorize my private phone number to be shared. 

Secondly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is not only a HIPPA Violation, but charged off to a 3rd party and considered to be a certificate of indebtedness which is considered income per the IRS. It is illegal to report income on a consumer report. Its also a violation of the Privacy Act of 1974 ( 5 USC 552a ) to record medical history on a consumer report. DELETE the account from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX is reporting income as well as a violation of 15 USC 1681c. No adverse items or derogatory marks should be on the consumer report. This goes for XXXX XXXX XXXX XXXX XXXX XXXX as well. DELETE both accounts from all 3 reports.

15 USC 1681a ( 2 ) tells us that reporting transaction history between a consumer and the person making the report is illegal. Therefore, all transaction history ( 2 year payment history lines ) should be removed from every remaining account on my consumer report ; across all 3 reports. 

Finally, I have attached letters opting out of credit reporting for the following companies.. 
XXXX XXXX XXXX XXXX XXXX These companies do not have  permission to report on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided applicable laws and evidence of inaccuracies. The LAW says the reports have to be accurate and complete. And they are clearly not. Continuing to report these accounts or updating them with investigation methods provided by law will be considered WILLFUL NEGLIGENCE. **

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 2024-01-27 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed XXXX {$4100.00} XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX KY 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 2024-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights 15 U.S.C 1681 section 602A, 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 1-XXXX XXXX XXXXXXXX - XX/XX/XXXX 2-XXXX XXXX  XXXX - XX/XX/XXXX 3XXXXXXXX XXXX XXXX - XX/XX/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 2024-01-27 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:
I am inquiring about the recent complaint I submitted on XXXX Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account and they said that they sent me a check with my remaining balance. Which was XXXX week of XXXX until now i still havent got the check and they keep telling me different dates and tell me that i can go to a branch and get a cashiers check but when i went to the bank they said im not able to do that. I need to pay my bills and about to be evicted because of what theyre doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: LA

Complaint narrative:
I am inquiring about the recent complaint I submitted on XX/XX/XXXXXXXX Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC Report 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.

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 2024-01-27 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: LA

Complaint narrative:
I am inquiring about the recent complaint I submitted on XX/XX/XXXX. Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC 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 EQUIFAX : 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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