vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service XXXX IRS ) XXXX a canceled debt reported as a charge-off may be considered gross or ordinary income. I received a Form 1099-C indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form 1099-C indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, 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 2024-07-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service XXXX IRS ) XXXX a canceled debt reported as a charge-off may be considered gross or ordinary income. I received a Form XXXX indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form XXXX indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX I sent the Loss Mitigation Application to the bank attorney and the Loss Mitigation Department representative XXXX XXXX by email. 

On XX/XX/XXXX the bank attorney told me that the coborrower signature is needed. 
The Loss Mitigation Department Representative told me that the information of the coborrower is needed to evaluate the application. 

On XX/XX/XXXX the representative told me that the coborrower also has to accept the agreement. 

Since XXXX we are divorced. 
Since XXXX on the XXXX XXXX page XXXX the coborrower signature is not needed if is divorced. 

Also on XXXX : Many FHA-insured borrowers have faced significant obstacles to obtaining a mortgage loan modification, where their loan involves a co-borrower and the co-borrower is unavailable. Mortgage servicers have generally allowed a mortgage modification only where the absent co-borrowers execute the loan modification agreement. But that may, as a practical matter, be impossible because death, divorce, separation, domestic violence or other significant life events involving the co-borrower. A XX/XX/XXXX update to HUDs Single Family Housing Policy Handbook, 4000.1 ( XX/XX/XXXX ), effective XX/XX/XXXX, clarifies that FHA does not require unavailable co-borrowers to execute FHA mortgage loan modification agreements. This is an important policy clarification that should help borrowers more easily access alternatives to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I recently went through a credit report dispute because there were XXXX Affirm accounts that I didn't open. XXXX of the accounts were deleted, but XXXX accounts remain. I'm not sure why XXXX accounts remain if all of them were because of identity fraud. I called XXXX again, and they're doing what they can to get the rest of the accounts off my credit report. So I'm just doing a XXXX  dispute for the XXXX remaining accounts to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recently filed a complaint with the CFPB over my private student loans currently serviced by Navient. All of my loans are for XXXX XXXX XXXXXXXX. Recently, the federal government discharged all federal loans due to fraudulent behavior on the part of XXXX XXXXXXXX XXXX and XXXX XXXX/Navient XXXX This prompted me to file my initial complaint with the CFPB which led to Navient sending me a School Misconduct Application. I carefully filled out the application and attached as much information/evidence as I could find online. All XXXX of my loans were denied. The only 'reason ' provided was as follows : 'Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' This is not good enough for me. I want the reason for the denial. I want a chance to appeal this decision. Considering how quickly they responded to you after my last complaint, I decided to file another with you. My next step was to reach out to Navient and to try to get more clarification. In addition, I have reached out to a wonderful organization, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), for more guidance. I appreciate your help in this matter and look forward to your response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: NY

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to correct inaccurate information on my credit report despite multiple attempts to resolve the issue since XX/XX/XXXX. 

Details of the Issue : Credit Bureau : Equifax Confirmation # : XXXX Account Name : XXXX XXXX Account Number : [ Account Number as listed on the report ] On my Equifax credit report dated XX/XX/XXXX, there is an incorrect entry showing a XXXX late payment ( status code " XXXX '' ) as of XX/XX/XXXX. However, the last activity on this account was in XX/XX/XXXX, and the account has been paid in full with a {$0.00} balance since then. 

Attempts to Resolve : Since XX/XX/XXXX, I have contacted Equifax multiple times to dispute this inaccurate information. I have provided them with documentation from XXXX XXXX  confirming that the account was settled and paid in full as of XX/XX/XXXX. Despite these efforts, Equifax has failed to correct the error, causing ongoing damage to my credit score and financial standing. 

Impact : The erroneous late payment entry from XX/XX/XXXX has negatively impacted my credit score and has caused significant stress and inconvenience. I have been diligent in trying to rectify this mistake, but Equifax 's failure to act has left me with no choice but to seek further assistance. 

Requested Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Equifax corrects my credit report. Specifically, I request that the erroneous late payment entry for XX/XX/XXXX be removed, and the account status be accurately reported as paid in full as of XX/XX/XXXX. You have to see the months of reporting is when I did not own the home. 

I appreciate your assistance in resolving this matter promptly. Please do not hesitate to contact me at the above address or phone number if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I inquired about services from XXXX  XXXX. The cost of the services were XXXX  as much then other dentist where charging. I cancelled the services and they still charged me. They charged me for nothing they did nothing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed unverified and unauthorized accounts and asked the creditor to provide proof for these accounts that arent supposed to be on my report. And Ive been ignored for months The creditor continue to report unauthorized and unverified accounts to my credit which is damaging my credit and keeping me from providing a living for myself due to being denied for everything from these accounts negatively impacting my credit score, Im not able to find a place to live and I m not able to get a bank account or credit cards because of this. Please assist me in any way you can. Including an attorney referral as my rights continue to be violated.

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 2024-07-07 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: DC

Complaint narrative:
In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report 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 2024-07-07 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: DC

Complaint narrative:
In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXXXXXX XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report 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 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have my personal statements on my XXXX such as XXXX, transunion and XXXX that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the one listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring XXXX XXXX which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from 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 2024-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have my personal statements on my XXXX such as XXXX, XXXX and Equifax that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the XXXX listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring XXXX XXXX which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: AZ

Complaint narrative:
Unauthorized account open in my name with XXXX XXXX that is reporting as a charge off on my report for {$590.00}.

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 2024-07-07 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: AZ

Complaint narrative:
Unauthorized account open in my name with XXXX XXXX that is reporting as a charge off on my report for {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
This account keep showing on me report every year and have to disput it, every year is a different company name showing the same account that doea not belong 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
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I do not have an account. I do not owe debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
US BANK approved me for 2 credit cards, one {$3500.00} and the other {$4500.00}, the credit on XX/XX/XXXX the checked my credit score of XXXX XXXX and on XX/XX/XXXX they sent me twXXXX separate letters closing my card because i was going to commit fraud, they will be able to check my credit record like everything client uses them and then pays them or pays them, thats what credit cards are for

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX filing on account. That l don't. Ow .l refuse to make I believe this account was. Written up filed incorrectly by the car lot. Due to. no proof shown of account. .Ownership records. Payments history. reason I failed fraud alert Police XXXX union supervisor. instructed to file.police report, fraud XXXX. Filed CFPBComplaint dispute. Is taken over XXXX ( .no decision ) spoke to customer rep chased Morgan, chase rep couldn't provide officer. Me anything regarding this account. Police. Wrote up complaint against. JMBCB. Chase Morgan th is criminal offensive to place account on person records no proof they are the ownership on the account. Cause she Advise us those records were old accounts happened 2015. So she. Couldn't provide us any proof records. .why consumers contact me advice me this account was failed under XXXX. FAIR report act. about. That account my informations shown don't match ssn other individuals. she advised XXXX this account 2015. TransUnion credit report a contstanly request me in writing to recover disputed this matter. Letters. Attached CFPB down below since XXXX XXXX REQUEST Not to file.Another dispute l been instructed to file legal action possibly attorney request punitive damage Due to me being veterans affairs Due to Fraud alert. not safe plac documents Social security numbers. postal mail .Buy me being veteran all federal governments institutions has Been Alerts. l request chase banks to stop reporting. Until they have enough XXXX request TransUnion XXXX XXXX XXXX bank name. Listed under interrevenue listed under fraud accounts government officials

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