vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: MI

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-17 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: MI

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX  reporting multiple late payments in the year of XXXX, XXXX, XXXX on the account which is all a error. 

XXXX XXXX reporting late payments in XX/XX/XXXX XXXX XXXX XXXX reporting late payments in XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX reporting late payments in XXXX, 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted XXXX XXXX  multiple times regarding incorrect information on my consumer report and they are refusing to update the information to accurate. I have attached an explanation of what has happened along with their responses to me. XXXX XXXX  has admitted that they are reporting accurate information when I have proven that they are not. I demand the CRA 's delete this information immediately and for XXXX XXXX  to stop reporting this account to the CRA 's this is the account ending in 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted XXXX XXXX  multiple times regarding incorrect information on my consumer report and they are refusing to update the information to accurate. I have attached an explanation of what has happened along with their responses to me. XXXX XXXX  has admitted that they are reporting accurate information when I have proven that they are not. I demand the CRA 's delete this information immediately and for XXXX XXXX  to stop reporting this account to the CRA 's this is the account ending in 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 2024-04-17 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: CA

Complaint narrative:
My letter that I sent to XXXX XXXX : Dear XXXX XXXX Credit Bureau Dispute Department, Earlier this year I called your customer service to close my account and enter into a payment plan. XXXX XXXX agreed to a payment plan, took my banking information ( account and routing number ) and the XXXX XXXX customer service team stated they would enroll my account into autopay. 

However, I was notified via a Transunion alert just a month later ( end of XXXX ) that XXXX XXXX failed to process my payment and enroll my account into autopay. 

My Transunion report now shows Accounts with Adverse Information with XXXX XXXX XXXX XXXX listed as the account for XX/XX/2024. 

The failure on the part of the customer service at XXXX XXXX has negatively impacted my credit as shown in my FICO scores provided by Transunion. 

As you can see on my attached report I do not have any account flags besides the error created by XXXX XXXX. This Transunion report covers the last seven years. 

Please converse with Transunion and all other credit bureaus to remove adverse/missed payment status. XXXX XXXX made it clear that my account would be auto-debited with this new payment plan. I should not have my FICO score drop XXXX points and have negative remarks on my credit report due to this poor customer service. 

Please provide confirmation that this will be fixed on my Transunion report. It has been disputed with Transunion but I would like to ensure both Transunion and XXXX XXXX communicate in order to rectify this. 

I can be reached at ( redacted phone number ) or at ( redacted email ).

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 2024-04-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws.The severity of not taking my situation seriously has resulted in financial harm, defamation of character, and a 60-day silence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: MI

Complaint narrative:
I found that it is authorized hard inquiries on my Transunion credit report that I did not authorize. 

XXXX 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im not liable for this debt with XXXXXXXX XXXX 

This student loan was charged off in XXXX XXXXnd was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX  making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section XXXX23 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through XXXX, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: TX

Complaint narrative:
Im not liable for this debt with XXXXXXXX XXXX 

This student loan was charged off in XXXX and was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through XXXX, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Im not liable for this debt with XXXX University. 

This student loan was charged off in XXXX and was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section XXXX ( XXXX ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through nelnet, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit on XXXX XXXX & realize some in accuracies. According to the fair credit reporting act 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. The accounts listed below are inaccurate & would like to get resolved XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened, high credit limit, last reported date, date last active, date last payment, accounts arent accurate

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit on XXXX XXXX & realize some in accuracies. According to the fair credit reporting act 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. The accounts listed below are inaccurate & would like to get resolved XXXX XXXX XXXX XXXXXXXX XXXX Date opened, high credit limit, last reported date, date last active, date last payment, accounts arent accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I applied for many credit cards and was denied on credit karma in the beginning despite it being my account. Additionally, I found a credit that didnt match me at all. Yet, magically disappeared after I contacting XXXX XXXX I am seeking XXXX XXXX in damages if possible. I XXXX XXXX XXXX XXXXXXXX XXXX XXXX and this would have allowed me a great business loan. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Credit Karma, LLC
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( CREDIT KARMA ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( CREDIT KARMA ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( CREDIT KARMA ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( CREDIT KARMA ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I am writing to express my disappointment and frustration with the recent handling of my mortgage account with PennyMac. As a loyal customer, I expected better support during a challenging time, yet I find myself struggling due to unforeseen circumstances regarding my home expenses. 

Unfortunately, unexpected and uninsured house expenses happened, placing a significant strain on my finances in XX/XX/2024. These expenses were beyond my control and have made it difficult for me to meet my monthly mortgage payments in full which forced me to borrow money to avoid a late payment in my credit report. In light of these circumstances, I reached out to the company seeking assistance through a temporary loan modification to alleviate some of the financial burden temporarily. 

However, I was disheartened to learn that my request for a temporary loan modification was denied. Despite providing A LOT of documentation and explanations of the situation, I received no empathy or understanding from your representatives. This lack of assistance has left me feeling abandoned and unsupported during a time when I needed help the most. 

I urge them to reconsider my request for a temporary loan modification or explore other options that may be available to provide relief. I remain committed to fulfilling my obligations and restoring my account to good standing once I am able to overcome these unexpected challenges. 

I trust that you will review my situation with compassion and understanding, and I look forward to a prompt and positive resolution to this matter. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2024-04-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation