vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: AL

Complaint narrative:
I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-06-13 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: WA

Complaint narrative:
Transunion is on the repeat offender list per the CFPB The company did not comply with the new interpretation of the law and ensure the timely correction of this error.

Below is the letter sent certified mail and received by Transunion Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX, XXXX. {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX from my credit report. 


As of XX/XX/XXXX per the Consumer Complaint Database there are showing {$28.00}, XXXX total complaints regarding inaccurate reporting of Bankruptcies between the dates of XX/XX/XXXX XXXX on the Consumer Financial Protection Bureau 's website.

The federal agency announced it was creating a public registry to help law enforcement, investors and the public check the history of repeat offenders in finance. The CFPB already offers consumers who have been victimized by a financial firm the ability to file a public complaint with the CFPB. The agency then quickly demands a written response from the alleged wrongdoer. Repeat offenders dislike the fact that these complaints go into a permanent database at the CFPB, which can be mined by the public, reporters, attorneys and prosecutors looking for patterns of fraud.

I did not dispute I sent notice to have the Missouri Bankruptcy removed from my credit report and Transunion responded that my address has been UPDATED I have attempted several times to have a bankruptcy removed from my consumer credit report. Transunion has deliberately refused to remove the bankruptcy. I have included the NOTICE posted on Transunion website regarding removing Judgments, Liens, Delinquent Child Support. Transunion is on the repeat data base per removal of bankruptcies. Transunion responded that my address has been UPDATED. The bankruptcy was not removed from my consumer credit report as required by law.

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 2024-06-12 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: Shellpoint Partners, LLC
State: KS

Complaint narrative:
My experiences with Shellpoint ( recently rebranded from XXXX XXXX ) are a contiuing source of fruatration meant with deaf ears from the company. 

I pay my mortage ahead of time, usually anywhere from XXXX to XXXX week. In addition I often frequently make an addiitonal payment to be applied to the principal. 

This company 's system shows that the payment is being made for the appropriate month ( say I'm making a payment XX/XX/XXXX for the payment due XX/XX/XXXX ). However it does not actually apply them this way... instead it ends up in some limbo account and I have to send e-mails asking them to correct the error. 

They promise a response within XXXX business days but it reality it's sometimes XXXX or XXXX. In the most recent case it's been over a week and I still don't have an e-mail reply. I've called twice and both times the rep said it would be fixed but it still hasn't happened I make my payments ahead of time... never missed a payment. I feel liek this company is genuinely try to delay payments showing properly so they can generate extra fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
XX/XX/XXXX XXXX XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report, XX/XX/XXXX XXXX  ran a credit check on my report XX/XX/XXXX XXXX XXXX account open I would like to remove the open account and remove the inquiry on my 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 2024-06-13 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:
XXXX XXXX XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report, XX/XX/XXXX XXXX  ran a credit check on my report XX/XX/XXXX XXXX XXXX account open I would like to remove the open account and remove the inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
So I was called on this number ( XXXX ) saying he accidentally sent me XXXX dollars that could I forward it to him through another application so he doesnt get charged service fee I said okay no problem he said thank you you could keep {$40.00} for helping me out we got off the phone I sent it to him through XXXX  and then a few days later all this happens I called PayPal and explained what happened and customer service said I was being used as a money mule To PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to your previous response to my complaint, you said " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY '' XXXX : XXXX, is illegally still reporting on my credit report. this account is outdated! the date of first delinquency was XX/XX/year>. ITS BEEN 7 YEARS! THIS account needs to be Deleted off of my credit. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if this account is being reported illegally on my credit report.. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: AL

Complaint narrative:
I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-06-12 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: OR

Complaint narrative:
On XX/XX/year>, went to XXXX XXXX XXXX in XXXX, XXXX. I gave authorization for the XXXX XXXX XXXX to run my XXXX Credit Report Only. Unable to do so, they ran my Experian Report without my authorization.

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 2024-06-12 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have asked an untold number of times over the past 15 or so years, for information about my balance, about payments received, about which payments count toward forgiveness. I have never been given that information. My loan has been moved or sold to other entities multiple times. Most recently, they were moved to NelNet, whom I asked for this information. They referred me back to the U.S. Dept. of Ed. I logged in to my FSA account and can find no record of this information. I have contacted the Dept. of Ed. Ombudsperson for help, and have not received a response. I did consolidate ( I believe ) and am in the SAVE ( or REPAYE? I can't keep it straight! ) plan. I should be eligible for at least partial forgiveness ( undergrad loans and some grad ), and I would like to know how many more years of payments I must make in order to attain forgiveness. I have been paying my loans for years, and the balances are still approximately what I borrowed. This information is readily available to consumers with credit card loans, mortgages and medical debt. Why can't student loans provide the same service?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclays Bank opened a card for someone that was not me. They said they would close the card and send me proof and have it removed from my credit report. None of those things has happened.

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 2024-06-12 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2024-06-12 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
According to 15 USC 1681, this company is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ( me ) with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

According to 15 USC 1681, a credit report does not include the transactions between the consumer and the person making the report. The person making the report in this case is XXXX. It is illegal to continue to allow them to report information on my report when the information reported does not fall within this law. 

According to 15 USC 1681c, your company is not authorized to make a report containing any other adverse information other than records of convictions. 

I have contacted XXXX revoking their authority to report any information on me as it is a violation of federal law and my right to privacy pursuant to the Privacy Act of 1974. According to this Act, no agency shall disclose any record ( which includes financial transactions ) unless there is a written request from the individual to whom the record pertains ( me ). I have not given written authorization and I have taken the extra step and revoked their authority. Please see attached.

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 2024-06-12 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: TX

Complaint narrative:
According to 15 USC 1681, this company is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ( me ) with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

According to 15 USC 1681, a credit report does not include the transactions between the consumer and the person making the report. The person making the report in this case is XXXX. It is illegal to continue to allow them to report information on my report when the information reported does not fall within this law.

According to 15 USC 1681c, your company is not authorized to make a report containing any other adverse information other than records of convictions. 

I have contacted XXXX revoking their authority to report any information on me as it is a violation of federal law and my right to privacy pursuant to the Privacy Act of 1974. According to this Act, no agency shall disclose any record ( which includes financial transactions ) unless there is a written request from the individual to whom the record pertains ( me ). I have not given written authorization and I have taken the extra step and revoked their authority. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a debt collection letter for an ambulance ride that claim someone took with XXXX XXXX XXXX and the debt got passed on to them ( Debt Recovery Solutions , LLC ). I thought it was spam at first and it still seems that way even though it's an actual business. I have never lived in LA nor have I ever taken an ambulance so I can't possibly owe them {$1000.00} dollars. Here is the email I sent on XX/XX/year> : " be advised Debt Recovery Solutions , LLC I am disputing the debt yall sent me. I have never used XXXX XXXX XXXX in my life so XXXX cant have a bill from them. Youre letter reference # XXXX Again, this is not my debt. Please cancel any further fraudulent debt collection activities regarding me. '' They then sent me " proof '' on XX/XX/year> that the debt was mine that looks like they generated it in their office with XXXX word. I've attached the " proof '' they sent below. It lists someone sharing my name as living at a XXXX XXXX in LA. I called them and they said I had to provide proof that this wasn't me and I was like what proof? I don't live there nor have I taken an ambulance. They wouldn't tell me what I needed to prove that this wasn't me and told me that the debt collection will continue and then hung up. 

This is clear fraud once you look at the form or at best a poor attempt at identity theft.

Company response to consumer: Closed with explanation