vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I settled both of my accounts financed with Sallie Mae. I received a letter on XX/XX/year> showing settled and paid in full by XXXX XXXX XXXX. I have called XXXX XXXX and Sallie Mae several times as it is still showing on my credit report monthly as late and the balance increasing as well as " Charge off ''. I spoke with Sallie Mae over a month ago and they said they had the letter that it was overlooked and it would be corrected in the max of 30 days. It has been over 30 days and now I'm getting collection calls from XXXX XXXX as they received my accounts last XXXX. I have filed disputes with XXXX XXXX and my credit company I work with. Nothing resolved! 

We went through Hurricane Sally and lost all of our belongings. Insurance filed bankruptcy and it went to the state fund. After 4 years, we just settled to be done! Even though we had to pay 40 % to attorney and public adjuster after not being made whole. 

This is harassment and is affecting my mortgage licensing in some states. Please get this resolved as it is affecting our new insurance costs and on and on!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
I, XXXX XXXX, encountered several violations of the Fair Credit Reporting Act ( FCRA ) regarding the information reported on my credit report. These violations include a series of actions by credit reporting agencies and debt collectors that were both deceptive and unlawful.

First, under FCRA Section 616, these entities accepted and reported inaccurate credit information about me without verifying its accuracy. This is a clear case of willful noncompliance, which exposes them to civil liability of up to {$1000.00} per violation. Additionally, they failed to disclose my right to opt out of sharing my personal information, as required by FCRA Section 603 ( d ) ( 2 ) ( A ), which violates my consumer rights. 

Another violation occurred under F

CRA Section 623 ( a ) ( 3 ), where they furnished inaccurate credit inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This led to the reporting of false and misleading information. Moreover, debt collectors haras
sed me by reporting debts I did not owe and contacted third-party agencies with this inaccurate information, violating regulations designed to protect my privacy and limit the disclosure of debt information. 

Further violations include the reporting of late payments without clear definitions, which is both deceptive and inaccurate under the Timely Payments Regulations. They also failed to accurately determine finance charges, and reported information about me without my written consent, which violates FCRA Section 604 on permissible purposes for credit reports. 

As a result, I have formally disputed these issues and requested that the following actions be taken : Removal of incorrect personal information associated with addresses that do not belong to me. 
Correction of inaccurate late payments by updating them to reflect that they were paid on time. 
Validation of debts reported by debt collectors. If they can not provide proper validation, the inaccurate accounts must be deleted. 
Removal of unauthorized and inaccurate accounts from my credit report. 
I expect these violations to be addressed promptly. If they are not, I will take legal action, as the FCRA provides remedies for consumers whose rights are violated in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX  XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
JPMCB account with balance of {$6400.00} is showing as " charged off/closed '' as of XX/XX/year>. I never received a 1099-C from the creditor. How can the creditor write it off on their taxes as a loss but not provide me with correct documentation. My credit report shows " charged off ''. 

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

1. Verification of Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws. 

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
XXXX or maybe XXXX years ago, I received an email from the Dept. of Education stating that XXXX XXXX was shutdown and my student loans would be forgiven for the following reasons : XXXX. Lying about helping graduates find jobs XXXX. XXXX lied about classes and pressured individuals into getting unnecessary loans. 
XXXX. XXXX lost or didn't have accreditation My student loans are still active and have not been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
Subject : Request for Removal of Fraudulent Accounts Under FCRA XXXX Dear Dispute Resolution Department, I am writing to formally dispute several fraudulent accounts that appear on my credit reports with both Equifax and XXXX. As a victim of the Equifax data breach, I have suffered identity theft, which has resulted in these unauthorized accounts being opened in my name. These accounts are not mine, and I have never authorized their creation. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. 1681c-2 ), I am entitled to have these fraudulent accounts blocked from my credit reports. Specifically, this section mandates that credit reporting agencies must block the reporting of information resulting from identity theft upon receipt of appropriate documentation. 

Enclosed, I have included : XXXX. A copy of my FTC Identity Theft Report and affidavit. 


XXXX. A copy of my government-issued photo ID. 


XXXX. A copy of a recent utility bill or another document confirming my current address. 


XXXX. A detailed list of the fraudulent accounts that need to be removed. 



The fraudulent accounts I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA XXXX, you are required to take the following steps : XXXX. XXXX the reporting of the fraudulent accounts listed above within XXXX ( XXXX ) business days of receiving this letter and the enclosed documentation. 


XXXX. Refrain from re-inserting these items into my credit reports unless you provide me with certified proof of their legitimacy. 



I trust that both Equifax and XXXX will act swiftly to resolve this matter and uphold my rights under federal law. I request written confirmation from each bureau that the disputed accounts have been removed and blocked from my credit reports. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report and Affidavit Copy of Government-Issued ID Proof of Address List of Fraudulent Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX reports a XXXX balance to credit bureaus TransUnion on XX/XX/XXXX. XXXX was reported as being at XXXX balance XX/XX/XXXX, XXXX closed the account on XX/XX/XXXX. It is requested that XXXX provide the IRS XXXX XXXX. XXXX sets of communication have been sent to XXXX XXXX, XXXX XXXX to provide record of IRS Form XXXX and a letter of XXXX XXXX XXXX XXXXXXXX act as agents of XXXX conducting mortgage services. TransUnion reflects that XXXX account is closed and at a XXXX balance and XXXX is reporting a positive balance. XXXX balances and closed accounts do not carry over positive balances on a third party ledger. Due process and civil procedure also was not followed see 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 on the record. XXXX my have been assigned records internally but all parties failed to provide the proper process of service, notice of assignment that follows XXXX statues.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-11-20 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-11-20 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2024-11-20 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
The issue is due to reoccurring inaccurate credit reporting : The bank reported out twice 30 days past due to the credit bureaus. The first time they corrected the erroneous information swiftly to reflect the account as current. Presently the mortgage is under a forbearance payment agreement and payments under this new plan have been paid on time. However, they reported out again 30 days past due which is inaccurate and fraudulent as it does not reflect my current forbearance plan which is paid as agreed. I brought this to their attention and they refused to correct the inaccurate information. When I stated that this violates my rights and the law they stated that it was their right to do so.

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 2024-11-20 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: MI

Complaint narrative:
The issue is due to reoccurring inaccurate credit reporting : The bank reported out twice 30 days past due to the credit bureaus. The first time they corrected the erroneous information swiftly to reflect the account as current. Presently the mortgage is under a forbearance payment agreement and payments under this new plan have been paid on time. However, they reported out again 30 days past due which is inaccurate and fraudulent as it does not reflect my current forbearance plan which is paid as agreed. I brought this to their attention and they refused to correct the inaccurate information. When I stated that this violates my rights and the law they stated that it was their right to do so.

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 2024-11-20 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: FL

Complaint narrative:
The attached credit inquires were not authorized by myself for any permissible purpose or other reason. i would like to have these unauthorized inquires removed from all XXXX of my credit reports immediately. 

a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-20 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: FL

Complaint narrative:
The attached credit inquires were not authorized by myself for any permissible purpose or other reason. i would like to have these unauthorized inquires removed from all XXXX of my credit reports immediately. 

a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief