vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
See Attached. Transunion has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX XXXX # XXXX, this is a charged off account meaning it is closed because the debt has been cancelled, you can see there was no adequate investigation performed. It says the last payment made is XX/XX/XXXXXXXX  but if you look at the payment history it has XX/XX/XXXXXXXX  marked as 30 days late but how can that be if in XX/XX/XXXXXXXX  the payment status was current? in XX/XX/XXXX and XX/XX/XXXXXXXX  they both say 60 days late but it's impossible to be 60 days late two months in a row. In XXXX XXXX, XXXX, and XXXX are all reporting as 30 days late but how can that be accurately reporting if it's impossible to be 30 days late for three consecutive months? Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that 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. I've pointed out all these inaccuracies after Transunion 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.

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 2023-12-08 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX store credit card through Synchrony bank - When making payments quickly ( i.e. within days of the charge posting on the card ) Synchrony will " hold '' payments for " security '' when in reality I believe they are penalizing consumers for not running a balance on the card. I couldn't get it in writing how long payments would be held, but some have been up to a few weeks with no warning.

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 2023-12-08 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:
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 Number : 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 2023-12-08 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: Experian Information Solutions Inc.
State: CA

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 Number : 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 explanation
Consumer complaint received 2023-12-08 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-08 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: TX

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-08 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: LEXISNEXIS
State: NV

Complaint narrative:
I have tried so many times to remove this bankruptcy from my credit report. This bankruptcy was filed by my ex husband, to try and save a property that i wasnt aware that was under my name. At first i thought that the bankruptcy was my moms because we have the same name but now i realize what really happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank ( Credit Credit ) lowered my credit limit. I did not ask them to. I was not late on my card payment. Card it almost paid off. They ran my credit again without asking and proceeded lower my credit score when i did not ask for increase or decrease. they said they ran my credit and reevaluated my credit limit from XXXX to XXXX i only owe XXXX on the card.

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 2023-12-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-12-08 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: TX

Complaint narrative:
Multi people have had used my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even 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 There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX home loan under my XXXX XXXX XXXX XXXX XXXX XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX  for XXXX XXXX XXXX XXXX XXXX under my information XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
1. I gave them the option of introducing my brother in law as the co-signer but Mr. Cooper put the hurdle that the co-signer should be immediate family member and living in the house. 
2. I am a US citizen, single mom with XXXX XXXX  of age XXXX with one son on XXXX XXXX. All his services and benefits are attached to this address. And I work as his live in XXXX XXXX XXXX. 
3. Mr. Cooper is pushing me to increase my own income by working more than I already do, if I get work outside I miss on taking care of my child who needs it. The debt to income ratio should not even be considered as I am already on the loan and have never missed a payment. So all they have to do is take my ex XXXX XXXX name off the liability of the loan. Otherwise it will keep the door open for my ex to harass and be XXXX  towards me and the kids legally even after I have permanent XXXX XXXX XXXX XXXX against him. Save me and kids from this abuse. He doesnt want his name on the loan, I dont want his name on the loan. 
4. I applied for loan assumption so I can keep my 3.375 % interest rate and I was already on the loan, I would not qualify for a refinance. Kindly help, ask Mr. Cooper to take my brother in law as a co-signer or simply remove my ex name from the loan and let me assume the liability. Anyhow for the past 2 years I have been the only one taking care of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX  XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.

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 2023-12-08 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: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX ( XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

Company response to consumer: Closed with explanation