vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: FL

Complaint narrative:
This is my fourth attempt to inform you that I am a victim of identity theft and to dispute specific records in my document resulting from this crime. The records I am contesting pertain to transactions for goods, services, or money that I neither made nor authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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:
This is my fourth attempt to inform you that I am a victim of identity theft and to dispute specific records in my document resulting from this crime. The records I am contesting pertain to transactions for goods, services, or money that I neither made nor authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$65000.00} XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/scrub> 2024, Elan Financial XXXX pulled a hard credit report that I never authorized. I do not know or have ever corresponded with such a company which seems fraudulent. After multiple attempts to reach customer service with the contact number listed in the report, the call unexpectedly drops/fails. There is no way to reach anyone at this company, if it even exists. I put a freeze on all three credit reporting agencies, XXXX, XXXX, and XXXX on XX/XX/year>2024 when it was brought to my attention by a third party credit monitoring service, XXXX XXXX. I am disputing the credit inquiry with all three bureaus and would like to file a fraudulent claim wit the FTC to investigate this company, if possible. and prevent further fraudulent action. Please advise me of how to move forward with this claim. Thank you.

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 2024-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Debt collector are trying to collect even more than what the landlord legally agreed to settle.. I sent documentation to collections that I'm physically XXXX and unemployed and hence the reason I was kicked out of the apartment and find someplace to live, as I could no longer afford to and with an agreed settlement.. that even though I'm not able to pay even half ( {$20000.00} ), the collection agency still asking for double ( XXXX ) and insisting on damaging my credit.XXXX how is that fair? so that would make things difficult for me trying to get some form of income.. while at the same time I have to deal with medical issues due to paraplegic and confined to a wheelchair.. issues like bed sore wound infections which sometimes keeps me in the hospital for months. 

I need help to arrive at reasonable solution with due consideration for extreme hardship. 

Thank you.

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 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : 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 2024-06-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXXXXXX Account Number : 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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I had a large charge in the amount of {$1300.00} from XXXX clear my account on XXXX. However, the transaction took place on XX/XX/31. I rendered services to them by carrying a hitched trailer to the XXXX I rented. The agreed amount for this service was {$620.00}. Funds would not be dispersed back into my account until the trailer was dropped off. Trailer was dropped off on XXXX. I received an email from XXXX advising funds to have been dispersed and I should see them back into my account within a few business days. On XXXX I called chased to file a claim regarding the funds because I had contacted the merchant on multiple occasions and they have advised it is not them, but it is my bank. Chase had not been willing to release the funds that they have received. Instead, they have allowed my account to overdraw, and they have decided bills to pay or not to pay which had they released the funds, this would not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I RECEIVED A DEMAND LETTER ON/ABOUT XX/XX/year>XXXX, TO WHICH I MADE A PAYMENT ; I CHECKED BACK TO VERIFY ANY CHANGES THRU XXXX & XXXX, BUT ALL WAS OK, AS I PLANNED ON MAKING XXXX OR XXXX PAYMENTS BEFORE XXXX I CHECKED SPS WEBSITE TODAY XXXX XX/XX/year>, TO FIND XXXX DOCUMENTS MAILED, ON REQUESTING EARLY INTERVENTION XX/XX/year> FOLLOWED ANOTHER XX/XX/year>, REFERING TO FORCELOUSE. 

THERE WAS BUT XXXX BETWEEN THE LETTERS, AND NOTE I HAVENT ACTUALLY RECEIVED EITHER? 

I CONTACTED SPS TO BE TOLD OF ONLY 2 ALTERNATIVES : REPAY OR REINSTATE AND EACH IS PENDING APPROVAL AND I CAN NOT MAKE ANY PAYMENTS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX Owed : {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXXXXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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

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 2024-06-08 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX Owed : {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing this complaint because I recently reviewed a disputed account reported in my consumer report from Experian, and I noticed that the account has been disputed and updated 3 times, yet the issues that I have disputed have not been resolved. Specifically, within the payment history section, there are " NO DATA '' notations all throughout the transaction history of the account. There are approximately XXXX ND notations reported in this account indicating that the account is in fact incomplete. There are a lot of payments I have made on this tradeline that aren't showing up and I disputed this issue with Experian, but the issue is not being resolved and the information is still unverifiable. Experian is allowing an account that has unverifiable information to persist in my consumer report and has failed to ensure maximum accuracy regarding the information they received from the creditor. It just continues to get updated. There are also late payments reported on this account, but the late payments show up in the payment history section inaccurately. Currently, the late payment notations show up as " XXXX, XXXX, XXXX, ND '' Since late payments do not start off as a 90-day late payment notation, it is fair to say that this information misrepresents the tradeline, it is in fact misleading, and it is currently ruining the integrity of my consumer report reported by Experian. The creditor is failing to provide Experian the correct information so that the information can report correctly. I have already provided supporting documentation over the course of 3 months upon dispute of the account each time to substantiate my claims, but I believe the creditor is allowing misreported information to report on this account with no intent to resolve it on purpose. This disputed tradeline is from The Department of Education/XXXX XXXX How is that Experian continues to constantly allow an inaccurate incomplete tradeline to remain on my consumer report? Experian is liable for statutory violations of the FCRA which can be enforced through FCRA section 1681n Civil liability.

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 2024-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I need these hard inquiries removed off my Equifax credit profile I didnt authorize these inquiries XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: IL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

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