vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have a {$50.00} gift card from XXXX I haven't been able to use it at any store so far ( XXXX, grocery stores, etc. ). When I attempted to rectify this by contacting the company, they asked that I verify my identity by faxing my SSN, photo and drivers license. It is ridiculous to ask for this sensitive information in such a insecure manner.

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 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i ( a ) ( 1 ), I am entitled to have any inaccuracies corrected promptly. The collection account in question appears on my credit report under the following details : Creditor Name : XXXX XXXX Amount : {$5900.00} I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never had any dealings with the aforementioned creditor, nor have I incurred any debt with them. Therefore, the listing of this collection account on my credit report is erroneous and damaging to my creditworthiness. 
Lack of Verification : The collection agency has failed to provide sufficient verification of the debt as required by 15 U.S.C 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I have not received any communication or documentation from the collection agency validating the debt in question. Failure to Provide Notice : I have not received any written notice from the creditor or collection agency regarding this alleged debt, as mandated by 15 U.S.C 1692g ( a ) of the FDCPA. The absence of such notice violates my rights under federal law.

I hereby request that you conduct a thorough investigation into this matter, as per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), and remove the disputed collection account from my credit report if found to be inaccurate or unverifiable. Please provide me with a written response detailing the results of your investigation, as well as any actions taken to rectify the inaccuracies on my credit report. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made, in accordance with 15 U.S.C 1681i ( a ) ( 2 ) ( A ). Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i ( a ) ( 1 ), I am entitled to have any inaccuracies corrected promptly. The collection account in question appears on my credit report under the following details : Creditor Name : XXXX XXXX Amount : {$5900.00} I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never had any dealings with the aforementioned creditor, nor have I incurred any debt with them. Therefore, the listing of this collection account on my credit report is erroneous and damaging to my creditworthiness. 
Lack of Verification : The collection agency has failed to provide sufficient verification of the debt as required by 15 U.S.C 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I have not received any communication or documentation from the collection agency validating the debt in question. Failure to Provide Notice : I have not received any written notice from the creditor or collection agency regarding this alleged debt, as mandated by 15 U.S.C 1692g ( a ) of the FDCPA. The absence of such notice violates my rights under federal law.

I hereby request that you conduct a thorough investigation into this matter, as per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), and remove the disputed collection account from my credit report if found to be inaccurate or unverifiable. Please provide me with a written response detailing the results of your investigation, as well as any actions taken to rectify the inaccuracies on my credit report. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made, in accordance with 15 U.S.C 1681i ( a ) ( 2 ) ( A ). Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NV

Complaint narrative:
LJ Ross Associates Collections told me they verified the account was mine when they purchased it. I contacted credit bureau XXXX and filed a claim. XXXX got back to me and said LJ Ross told them it is my debt they verified. XXXX closed my claim please help. this account was opened in a state i have never lived in.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TX

Complaint narrative:
Two addresses that are not mine removed

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 2024-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX  # XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 2024-04-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 


Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX  # XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I need these hard inquiries disputed from my Experian 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 2024-04-07 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I contacted PennyMac around XX/XX/XXXX or eighth 2024 before My special forbearance plan was about to end on XX/XX/year>. I contacted lost mitigation for an extension on my forbearance plan. lost mitigation advised me I was approved for one month. I was also advised that if I was to make two payments that I would get an additional two months I used my credit card to make those two payments and effort to extend my forbearance plan, after the payments were took, I was then advised I needed to be forwarded to the loan modification department. I expressed my concerns about not being on a forbearance plan and it affecting my credit negatively. I contacted him multiple times to get the process moving along and effort to avoid negative credit reporting I wasnt made aware that I was removed from the forbearance plan before XX/XX/XXXX, which was the end date Which made me officially behind via the credit bureau as of today Sunday XX/XX/year> because they removed me from the forbearance plan XX/XX/XXXX instead of XX/XX/XXXX my credit dropped over XXXX points, when I requested information about the length of time I was allowed to be on a forbearance plan based on my insurer, I was told I was only allowed to be eligible for six months when I read the information regarding my loan type and the insure details on forbearance, it was mentioned that you cant be more than 12 months behind on payments as of now im only four months behind. And I was offered no options for forbearance plan or any option to save my credit or was informed of my forbearance plan ending please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My credit profile is showing that I have an open account and balance with Nelnet. Nelnet is no longer my student loan provider. My Nelnet account is closed and has a XXXX balance because my account has been transferred to XXXX. The issue I am having is that my credit report is showing 2 student loan account and balance. My credit reports shows a student loan balance of over {$100.00}, XXXX when it should only show a balance of around {$52000.00}. I have disputed the balances with all 3 credit bureaus but my account won't update to reflect the correct information. I only have 1 student loan provider and that is Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NC

Complaint narrative:
As stated in Section 602 ( a ) of the FCRA, there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to protect my private information from being shared without my consent.

Under Section 6801 of the FCRA, it is the policy of Congress that financial institutions have an obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. As a " furnisher of information to credit agencies, '' XXXX  falls under this definition of a financial institution.

I want to bring to your attention Section 604 ( a ) ( 2 ) of the FCRA, which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for XXXX  to furnish my information to consumer reporting agencies such as XXXX, Transunion and XXXX. Therefore, all consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, under Section 6802 ( b ) ( c ) of the FCRA, financial institutions are required to inform consumers of their right to exercise a nondisclosure option. I was never informed by XXXX  of my right to opt out of having my information shared with consumer reporting agencies.

I also want to bring to your attention Section 1681C ( a ) ( 5 ) of the FCRA, which prohibits consumer reporting agencies from reporting " any other adverse item of information '' without the consumer 's permission. By reporting this account without my consent, XXXX is in violation of this law. 

Moreover, Section XXXX681s-2 ( a ) ( 1 ) ( A ) of the FCRA prohibits the furnishing of inaccurate information to consumer reporting agencies. If XXXX knows or has reasonable cause to believe that the information being reported is inaccurate, it is your responsibility to correct or remove it from my credit report. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am exercising that right and demanding that XXXX cease reporting my information to consumer reporting agencies.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTING This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes.

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