vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX  XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX, Inquiry : XXXX XXXX, 2024, XXXX XXXX, XXXX : XX/XX/year>, XXXX XXXX, Inquiry : XX/XX/year>, XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX, Inquiry : XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX  XXXX, XX/XX/year> XXXX XXXX XXXX  XXXX, XX/XX/year>, XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by 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 explanation
Consumer complaint received 2024-08-26 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX 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 2024-08-26 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: PA

Complaint narrative:
I have file a dispute with equifax for unauthorized credit inquiries, its been 39 days, and I have not received a response from Equifax. Equifax continues to report these unauthorized inquiries on my file damaging my credit report, and scores. They need to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2024-08-26 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: Entrata Inc.
State: GA

Complaint narrative:
I am writing to formally express my concern regarding a serious issue that has arisen following my recent application for residency at The XXXX apartments address : XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I submitted an application to rent an apartment at The XXXX. However, I was dismayed to discover that my personal information was shared with Rent Plus, a credit builder agency, without my consent. Subsequently, Rent Plus conducted a credit check on me without my prior knowledge or authorization.

This breach of privacy and unauthorized credit check are significant concerns for me. As you may be aware, sharing personal information and conducting credit checks without explicit consent are violations of privacy laws and consumer protection regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
Please remove fraudulently inaccurate inquires. 

The following inquires accounts are an error below Business Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : All Banks Business Name : XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Business type : XXXXXXXX XXXX XXXX XXXXXXXX. 

Business Name : XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : All Banks Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : Banks and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Account XXXX Navient XXXX XXXX XXXX XXXX, DE XXXX Code 15USC 1692 ( c ) Bankruptcy XXXX  Needs to be removed from my credit report Not the original amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MO

Complaint narrative:
Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. Account ( XXXX XXXX ) and ( opportunity financial ) is removed off my transunion report but still reporting the inaccuracies on my Equifax report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( XXXX XXXX ) ( Opportunity financial )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: 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 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 explanation
Consumer complaint received 2024-08-26 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: EQUIFAX, 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 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-08-26 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to work with PHH mortage and I am not getting anywhere. They first gave me a repayment plan which I they set up and was suppose to send me paper work to sign with amounts and dates due. I never received it and lost my payment plan and when I asked about it they said they don't need the paper signed, when they originally said they did. I then have applied XXXX or 4 times for modification, which everytime they deny me saying my home appraises to much. Which it may appraise as high as they say if it was fixed up and in a different town. I sent an appeal and they ignored me with an appraisal attached. Now I'm expected to pay almost XXXX to bring my mortage current which I can't. If they wouldn't have strung this along so long I could have brought it current earlier. Now the only option they will give me is short sale or deed in lieu. Which I don't want I want to save my home. They won't even offer me a forbearance or modification. The payment plan they did offer me was ridiculous, which I would have made work if i would have gotten the paperwork so I knew when the payment were suppose to be made. I now after the down payment of XXXX it was monthly installments of around XXXX. Which was way more than what was behind. They are a horrible company and don't speak XXXX and get rude very fast. They can't answer questions just read off a computer. Asked for a supervisor and it was the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My rights are being violated as a consumer. I recently pulled copies of my credit report and noticed there is a bankruptcy being reported. I did request transunion XXXX and XXXX  to remove it off my credit report I also sent a letter from the bankruptcy court stating they don't release linfirmation to the credit bureau. 
I am request this information be removed immediately

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Breaches and Authority I requested proof of the original and current " statement '' and any and all proof there has been a charge off, or not. No statement was provided and no proof of the actual charge off was provided by XXXX XXXX XXXX XXXX. Per FCRA, as a federally protected Consumer, I have and am opting out of any and all authorization, I the Consumer, may have given XXXX XXXX XXXX XXXX, and all three credit bureaus. either knowingly or unknowingly, either verbal or non verbal, written or unwritten, per 15 U.C.S. 6802. 

Additionally, XXXX has indeed declared this auto loan a charge off, and per I.R. Code 61 ( a ) 12, when there is a charge for any indebtedness, the indebtedness is considered income.

Finally, per 15 U.S.C 6801, it is illegal to report transaction history, in accordance with the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
Breaches and Authority I requested proof of the original and current " statement '' and any and all proof there has been a charge off, or not. No statement was provided and no proof of the actual charge off was provided by XXXX XXXX XXXX XXXX. Per FCRA, as a federally protected Consumer, I have and am opting out of any and all authorization, I the Consumer, may have given XXXX XXXX XXXX XXXX, and all three credit bureaus. either knowingly or unknowingly, either verbal or non verbal, written or unwritten, per 15 U.C.S. 6802. 

Additionally, XXXX has indeed declared this auto loan a charge off, and per I.R. Code 61 ( a ) 12, when there is a charge for any indebtedness, the indebtedness is considered income.

Finally, per 15 U.S.C 6801, it is illegal to report transaction history, in accordance with the Privacy Act of 1974.

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 2024-08-26 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: DE

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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XXXX Receiving repeated calls regarding a debt owed was even yelled at by caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT FROM MY REPORT FOR ABOUT 3 MONTHS AGO. THE FOLLOWING ACCOUNT IS CONSTANLY COMING BACK AS VERIFIED WHEN THE ACCOUN T WAS PAID IN FULL. THE CAR WAS TOTALED AND I PAID THE BALANCE I AM DEMANDING REMOVAL IMMEDIATELY OR THIS WOULD FORCE ME TO TAKE FURTHUR ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: EQUIFAX, INC.
State: TN

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 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 2024-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae only gave me the option for forbearance and I had postpone loans which increased my income overall amount due. No other options were given. Interest rates are still 15.125 % on the remaining XXXX. Sallie Mae denied the Attorney Generals office request to assist me stating I signed the papers so I have assumed the responsibility and acknowledged interest is variable. Sallie Mae stated the interest rate is competitive to the market and disregarded my financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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