vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-15 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : 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 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 2024-11-15 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 am writing to inform you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent activity has been reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account and inquiry : 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action.

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 2024-11-15 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Unfortunately, I have different issues with both Lenders, my 1st lender ( Carrington Mortgage ) and 2nd lender ( XXXX XXXX ). 
1. Carrington Mortgage issue : When I purchased my house in XXXX, I obtained XXXX loans, both through XXXX XXXX. 
But my first loan was transfered to Carrington Mortgage. On XXXX Carrington modified my loan with the XXXX with a deffered interest of {$160000.00} but on XX/XX/XXXX I received their pay off demand for the total amount of {$540000.00} but I noticed the amount of the deferred interest was {$270000.00}. Therefore I am requesting that they honor the loan modification signed by them. See attached Loan Mod. and payoff demand. 
XXXX. XXXX XXXX issues : *My first issue is why I didn't receive any correspondence from this lender. My first correspondence was the NOD filed on XX/XX/XXXX. Specially when this lender has an assignment of Deed of Trust dated XX/XX/XXXX which it is a year ago. ( See attached supporting documents ). 
XXXX XXXX XXXX XXXX I requested a loan modification package and they took 58 days to provide it and now I am more close to a NOTS. I am requesting to hold it until this debt is clarified. I requested the loan modification application many times via e-mail to XXXX XXXX ( XXXX ). See attached e-mail printouts. 
*Also, my other concern is that my XXXX loan was originally with XXXX  XXXX XXXX  and it was transferred to XXXX XXXX  and then was SOLD to XXXX XXXX  but XXXX XXXX my XXXX loan account as a charge off account on XX/XX/XXXX. ( see attached credit report ). So I do not understand how on XX/XX/XXXXXXXX XXXX XXXX  was able to provide an assignment of Deed of Trust to XXXX XXXX. 
When I did my modification on XXXX I contacted XXXX XXXX  and they informed me that the account was a charge off account. Now, after XXXX  years I received a NOD from XXXX XXXX stating that I owe the money. I request them to escalate the file to investigate the validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
On XX/XX/year> I contacted XXXX XXXX XXXX. I spoke with XXXX supervisor employee number # XXXX on XXXX XXXX XXXX  at XXXX approximately to discuse why a late payment was sent to the Credit bureau department after an agreement had been reached, for my payments to be pushed back two months and that my next payment would not be due until XX/XX/year>. The agreement was sent by email it was sign electronically I sent it back on XX/XX/year>. The agreement states that I have 10 days to sign the agreement which I had comply but they still reported me late to the consumer credit bureaus and my credit score dropped XXXX points they violated the contract agreement and refuse to remedy or fix the problem. I kept my agreement XXXX XXXX XXXX  violated my rights and reporting me late when that was not the agreement. I stated on XX/XX/year> I want to make this agreement so I wont be reported late and they reported my late anyway when they agreed not to.

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 2024-11-15 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: TX

Complaint narrative:
formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

US DEPT EDXXXX US DEPT ED -XXXX U S DEPT OF ED/XXXX US DEPT OF ED XXXX also the next inquiries XXXX XXXX XXXXXX/XX/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 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 2024-11-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

US DEPT EDXXXX US DEPT ED XXXX U S DEPT OF EDXXXX US DEPT OF ED XXXX also the next inquiries 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 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Repeatedly, I have asked for paper statements to be mailed to me detailing the amount due and the due dates. After each semester 's disbursement, Nelnet places me back into email only status and does not send me any information via USPS. 

Now, my {$2000.00} monthly payment is {$4000.00} as of XXXX. I want to know why, and their representatives do not understand how loan payments are calculated. 

I should be able to see this in a transaction history so that I can then calculate the new payment amount over the remaining or new term of the loan. 

No one there knows anything. I'm promised information in the mail and do not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
Equifax is reporting XXXX XXXX XXXX and XXXX XXXX on my credit file. These accounts and the associated balances do not belong to me. I have sent removal letters and multiple documents many times over the course of a year. This situation is unacceptable, and they are violating several rules and regulations regarding the dispute process for accounts like these. Again, these accounts and balances do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: OK

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00}

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 explanation
Consumer complaint received 2024-11-15 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 inform you that I have been a victim of a data breach that resulted in identity theft. Consequently, multiple unauthorized accounts and credit inquiries have appeared on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX o Date Filed : XX/XX/XXXX XXXX. Chapter XXXX Bankruptcy XXXX XXXX XXXX : XXXX o Date Filed : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-11-15 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank charged me a late fee of XXXX when I paid on time on XX/XX/XXXX. That is the due date and that is the date they received the payment. My statement indicated that my minimum payment was XXXX, I paid XXXX. They later told me the minimum payment was XXXX. This minimum payment was never committed to me Prior to the due date of XX/XX/XXXX. For more fun from these thieving rats, I paid XXXX on XX/XX/XXXX to ensure no further fees will be charged and to get rid of this headache. NOW, they are not considering this payment for XXXX inclusively and to top it off they are not providing a minimum payment due for XX/XX/XXXX, so I have no hope of meeting the minimum payment amount Cause they are not providing that information. Thieves

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