vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: Greco Financial Services Corp.
State: AL

Complaint narrative:
On XXXX XXXX Greco checked my credit for no apparent reason, at one point I did have and account with them where they had to check my credit but sense that time I have not applied for any credit from them so why are they checking my credit in 2023? I did not apply for nor ask for any credit in 2023 never. They are checking my credit for their own personal gain and to ruin my credit file with their unlawful credit checking. I did not ask them to check my credit in 2023 for any reason .Did not apply for any credit from them in 2023 They need to remove this inquirer from my report. I don't need unnecessary credit checking on my report. This is not legal, unless I had ask them to check my credit then that would be different but I never ask them to check my credit again, only the first time that I applied for credit. Why are they doing this. Do not check my credit unless I ask you to do so, this is illegal. Remove your credit check. There was not prior permission given to them to check my credit. 
They did not have prior permission to check my credit from me plus there is a block on all three credit reports and has been there for a few years, How did they access my credit report with a block on them. This is not legal if my credit has a block on them and I have a block on all three credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
NFCU has taken over 90 days to close on a simple XXXX XXXX loan. Still not closed because they can not seem to get the closing documents accurate. 

I was instructed to lie about my income, XXXX  status, and identification. When I made the request to have these documents corrected, I was told it " didn't matter. '' Well, it matters to me, and it matters to me that a banking institution would practice business this way. 

I have been a loyal customer, no more, and I don't recommend you take the risk either. Your information, money, and, more importantly, your credibility are in jeopardy if you engage in business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I have repeatedly contacted your bureau about my identity theft situation, yet my concerns remain unresolved. 
Despite submitting the required FTC complaint, this fraudulent account remains on my credit report. I have contacted the associated company, provided the necessary documents, and had the account deleted from their records. Other credit bureaus have also removed this account following the FTC complaint. I am questioning the verification process your bureau used to continue reporting this fraudulent account. 
I am once again disputing the fraudulent entries affecting my credit file : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: PA

Complaint narrative:
I am writing to bring to your attention a concern regarding the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens, which may no longer be permissible under the Fair Credit Reporting Act ( FCRA ).

I did provide a copy of a which TRANSUNION state that child support should not report on your credit report Recent federal court rulings have addressed the use of consumer reports for account collection purposes, particularly under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). These rulings highlight that definitions added to the FCRA through the 2003 amendments, specifically the definition of credit, restrict the permissible use of consumer reports for collection activities solely to those involving a credit transaction.

As a result of these rulings, it is evident that a " collection of an account '' is a permissible purpose for obtaining a consumer report only when the collection is in connection with a credit transaction. Therefore, using consumer reports to collect delinquent child support does not meet this criterion and violates the FCRA.

Despite this, I have encountered a situation where child support information remains on my credit report. This inclusion is not only incorrect but also in violation of 15 U.S.C. 1681b ( a ) ( 3 ) ( A ), which permits the use of consumer reports only when it involves the extension of credit to, or review or collection of an account of, the consumer in connection with a credit transaction. 

I would like to draw your attention to the case XXXX XXXX Trans Union , LLC, which further supports my position. Based on this, I respectfully request that the CFPB takes appropriate action to ensure compliance with the FCRA and instructs the relevant parties to remove the incorrect child support information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
First of all Equifax keeps taking my score down and Im paring all my creditors on time as agreed. Equifax recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX Credit card my credit score has decreased by the XXXX. 

XXXX  reasoning for this low score is very contradicting.. Equifax, XXXX XXXX XXXX XXXX are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from XXXX inviting to apply with XXXX XXXX. Only emails I received from Equifax are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT HISTORY AND CAME ACROSS FRAUDULENT TRANSACTIONS, PLEASE REMOVE THOSE ACCOUNTS FROM MY CREDIT REPORT. SO I CAN HAVE CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
Under FCRA Section 605 ( c ), it is illegal for creditors, collection agencies, and credit bureaus to re-age an account by updating the date of last activity to extend the time negative information remains on a credit report. Violators can be fined {$1000.00} for each account. 

The date of last activity on a collection account should reflect the last payment date. Reporting inaccurate information is a violation of federal law. 

Upon investigating the accounts and cross-referencing the data from the original sources with the information reported to all three major credit bureaus, I am attaching copies of all letters sent below. 

I request an immediate investigation and correction of these discrepancies. Please respond within the 30-day period as required by the FCRA.

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 2024-06-10 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: TX

Complaint narrative:
Under FCRA Section 605 ( c ), it is illegal for creditors, collection agencies, and credit bureaus to re-age an account by updating the date of last activity to extend the time negative information remains on a credit report. Violators can be fined {$1000.00} for each account.

The date of last activity on a collection account should reflect the last payment date. Reporting inaccurate information is a violation of federal law.

Upon investigating the accounts and cross-referencing the data from the original sources with the information reported to all three major credit bureaus, I am attaching copies of all letters sent below.

I request an immediate investigation and correction of these discrepancies. Please respond within the 30-day period as required by the FCRA.

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 2024-06-10 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I received a phone call from a bank of america number. This number ended up being a scammer who coursed me into sending {$3000.00} from my savings account to myself through XXXX to protect me from fraudulent activities on my account. The so called account I was sending it to ended up being a scammers account. I called immediately after to verify the transaction. It was at that time they made it aware that i was scammed. I submitted a fraudulent claim on the transaction. They said it would be reviewed and a decision would be made. I received a notice that my claim was denied due to them saying they couldn't get in contact with the financial institution that the money got transferred to. They also said I initiated the transaction and they were not liable for the damages. There should be a way to stop payment on these types of transactions or trace them to their origin for reimbursement.

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 monetary relief
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
Subject : Credit Reporting Agencies XXXX, XXXX, Equifax for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies XXXX XXXX XXXX, and Equifax for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting XXXX XXXX XXXX, Equifax continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting XXXX, XXXX, and Equifax is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting XXXX, XXXX, and Equifax have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting XXXX, XXXX, and Equifax cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Submitted documentation for name change in XX/XX/XXXX and XX/XX/XXXX. Second request was approved but have not been able to view credit report. Called equifax customer service and they claimed my name was updated in their system and website was a glitch, and that it would updated on the website within a week or two. Emailed Equifax customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and did not receive a response. 

Attempted to view credit report on myfico today ( XX/XX/XXXX ) and could not view report due to equifax reporting old name. Checked XXXX and all old disputes have been deleted and name has been reverted. Resubmitted dispute and documentation, waiting to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
XXXX, XXXX, & Equifax continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
XXXX, Experian, & XXXX continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal 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 explanation
Consumer complaint received 2024-06-10 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: MD

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I have repeatedly contacted your bureau about my identity theft situation, yet my concerns remain unresolved. 
Despite submitting the required FTC complaint, this fraudulent account remains on my credit report. I have contacted the associated company, provided the necessary documents, and had the account deleted from their records. Other credit bureaus have also removed this account following the FTC complaint. I am questioning the verification process your bureau used to continue reporting this fraudulent account. 
I am once again disputing the fraudulent entries affecting my credit file : XXXX XXXX XXXXXXXX.

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