vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: GA

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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: GA

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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-02-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I previously reported a problem with XXXX XXXX  reporting late payments on credit card charge that I did not make. After reporting to CFPB, XXXX corrected the error and, in a letter to me dated XX/XX/2024, advised me the credit reporting agencies had been advised of the error and asked them to update my report accordingly. It appears the XXXX and XXXX have made the updates and my credit scores with each of them is now over XXXX. As of today, XX/XX/2024, Experian has not updated my report and it still reflects late payments on that XXXX account resulting in a credit score of XXXX. When I contacted Experian, I was told it would take 30 to 60 days to correct the error in their report. That delay is inexcusable and could be costly when I have insurance renewals coming soon that base premiums in part on consumer credit reports.

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 2024-02-29 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: FL

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.

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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
To whom it may concern : Greetings, my name is XXXX XXXX and I am writing in regardsto my previous request for homeowner assistance. 

Im very disappointed about the denial letter/s I received pertaining to my urgent request for homeowners assistance/modification. My first modification application was approved and appeared to be progressing normally but soon after signing the final modification documents, I received a denial letter from PHH stating there was a minor issue with my middle name/signature. I was not informed of this error in a timely manner and/or I was not afforded an opportunity to correct it. I do not understand why corrected final modificationdocuments were not prepared and quickly sent out to me for completion. 

I completed everything required and/or requested from me during the modification process -- to be denied assistance for something as basic as a middle name is unacceptable to me.From my understanding we could have used an AKA to ensure a successful signing and I question why the notary did not mention any issue with my name on driver license versus the final modification documents? I feel let down and worry that my home is at risk now based on the errors and/or limited experience of your employees/vendors. 

Finally, I would like all parties involved to understand that myhardship is over and resolved. Im simply requesting to have the delinquent payments placed at the back of my loan as I was led to believe for months. I want to continue making my payments and providing a home for my XXXX  and her XXXX  child. This is my home, Ive worked very hard to be a homeowner and I intend on keeping my property. 
Please work with me and reconsider my request for assistance/modification. 

I JUST NEED GENUINE HELP -- PLEASE CALL ME XXXX. 

MY FAMILY RELIES ON ME AND I WANT TO KEEP MY HOME. 

Regards, XXXX XXXX ( Homeowner )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
On my Transunion credit report a collection is report with innacurrate information and I had dispute this account multiple times and no resolution. This account should only be reporting accurate information. Below you will see all incorrect information. 

Account show open ( collection account should never show open ) Account show a past due balance ( collection should now a past due balance ) I had send info to Transunion on this and nothing get fixed.

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 2024-02-29 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife was currently on a XXXX ( XXXX XXXX XXXX ) for XXXX weeks, with XXXX weeks unpaid. She recently returned to work, but the information was provided in the loss mitigation application with repayment options that fit our budget. Apparently, an old credit card debt was on our lien and we were not aware of it until engaging in this process. We found that the debt is an error and filed an answer with the company via clerk of courts and currently waiting on a response. 

However, when I called to inquire about the loss mitigation appeal process, I was informed that any information emailed to the home preservation department in the format of a Word document, the system rejects the files. We provided requested documentations approximately XXXX to XXXX times using the email provided and was never informed that all files must be in a PDF format. I also reviewed mailed instructions multiple times to see if I overlooked this detail, however it is not stated anywhere. 

Truist denied our application for loss mitigation assistance due to the lien on the title, with no details of what options we can take regarding the lien... even after sending all communication with the debtor and courts. I recent all required documents in the PDF format, but do not believe we should be in jeopardy of losing our family home for lack of information. 

We pay an additional amount every month due to PMI, however, we have requested multiple times for lower payments since our household income has decreased by approximately XXXX  % since cutbacks at my place of employment and still has not been granted. We've been between barely making monthly mortgage payments or on some type of short term forbearance off and on since then. Records reflect on time payments dating back to 2014, with no hiccups until XXXX. So if we pay for PMI, Why are we constantly getting denied a lower mortgage payment option. It really seems that we are being beaten down for every dollar with no reprieve. Isn't this the sort of thing the PMI was supposed to assist families with? We love our home and can afford it with slightly lower payments. Shouldn't this be an option with FHA mortgages? Please help...

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 2024-02-29 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: CA

Complaint narrative:
I have been trying to get help with this issue for over XXXX year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX681n, or negligent non-compliance, 15 U.S.C. 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.

I am also instituting my rights under FCRA 609, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.

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 2024-02-29 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: TX

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and In accordance with the fair credit reporting act, the list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX # XXXX. XXXX XXXX  # XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 state no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which indicates the report by more than seven years

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 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying you of my intention to pursue legal action against your company for repeatedly failing to address inaccuracies on my credit profile, as mandated by the Fair Credit Reporting Act ( FCRA ). Over the phone, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. Your disregard for my requests constitutes a violation of the FCRA, which grants consumers the right to accurate credit reporting. Despite multiple requests, you have neglected to investigate and correct the erroneous information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
I had received a statement from National Recovery Agency dated from XX/XX/XXXX stating that I had a debt owed from PA XXXX XXXX in the amount of {$1900.00} from XX/XX/XXXX. I had sent an email to them on XX/XX/XXXX asking them to verify the debt, and on XX/XX/XXXX Team Lead XXXX XXXX had responded to my email stating that the account would be notated as being in dispute and requested our client mail an itemized bill to the address on record. To date, nothing has been received. I had received a notification to my email today, on XX/XX/XXXX that a new collections account from National Recovery Agency had been opened on my XXXX credit report with the opening date being XX/XX/XXXX, prior to informing me of this potential debt. There has been no attempt on XXXX XXXX XXXX end to validate this 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 2024-02-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I requested Equifax to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically per 15 USC 1602. I hereby opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have given to your agency. 
Consumer Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Opt-Out Request : I am formally requesting that any and all credit reporting agencies cease any and all use of my consumer information for the purposes of credit reporting or any other related activities. This includes, but is not limited to, the collection, dissemination, and use of my credit information. 
Authorization Revoke : I am revoking any previous authorizations, whether written or verbal, that may exist in connection with my consumer information. This revocation is in accordance with the rights granted to me under 15 USC 1602 of the FCRA. 
Acknowledgment Request : Please provide written acknowledgment of the receipt of this opt-out request, including the date on which it becomes effective. 
Contact Information : For any further correspondence related to this matter, please contact me at the following : XXXX I appreciate your prompt attention to this request and expect that my consumer rights under the FCRA will be fully respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/2022, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. 

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. 

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. 

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. I look forward to resolving these issues with your support.

Company response to consumer: Closed with non-monetary relief