vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
NOTICE OF PRIVACY VIOLATIONS AND DEMAND FOR COMPLIANCE Re : XXXX XXXXXXXX XXXX XXXX  accounts # XXXX and # XXXX I am disputing excessive sharing of private transaction history while maintaining positive account status : Account Details : XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$2500.00} - Last Reported : XX/XX/XXXX XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$21000.00} - Last Reported : XX/XX/XXXX Legal Basis for Dispute : XXXX. Privacy Act ( XXXX XXXX XXXX ) Violations : Section XXXX ( XXXX ) ( XXXX ) requires " only such information as is relevant and necessary '' Detailed transaction history from XXXX exceeds necessary requirements XXXX demonstrated business necessity for historical details XXXX. FCRA ( XXXX XXXX XXXX ) Violations : Section XXXX ( a ) ( XXXX ) ( A ) prohibits furnishing excessive information Current reporting exceeds standard credit reporting requirements Violation of reasonable procedures requirement XXXX. CFPB Regulations : XXXX XXXX requires accurate, necessary information only No compliance management system demonstrated No privacy protection procedures shown XXXX. Legal Precedents : CFPB XXXX XXXX XXXX : Requires limited scope of reportable information XXXX XXXX XXXX : Establishes standing for privacy violations INCOME REPORTING VIOLATIONS : A. IRS XXXX Section XXXX ( a ) ( XXXX ) : " Gross income includes income from discharge of indebtedness '' Charge-offs are XXXX debt XXXX debt becomes income Income can not be reported on credit reports B. XXXX XXXX XXXX : " Any applicable entity which discharges indebtedness of any person during any calendar year shall make a return '' Requirements : Form XXXX must be issued Debt must be reported as income Can not be simultaneously reported as active debt XXXX IRS Publication XXXX : Specifies : Cancelled debt is income Must be reported for tax purposes Can not be treated as outstanding debt FCRA ( XXXX XXXX XXXX XXXX a ) ) : " If any person takes any adverse action ... the person shall provide notice '' Violation : No proper adverse action notice provided ECOA ( XXXX XXXX XXXX XXXX d ) ( XXXX ) ) : Required statement of specific reasons not provided PRIVACY ACT VIOLATIONS : For accounts : # XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Must be removed as income # XXXX Opened : XX/XX/XXXX Balance : {$21000.00} Status : Must be removed as income

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 2025-01-10 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 am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-10 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: PA

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2025-01-10 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: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws.

Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance. 
Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement.

Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-10 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: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting. 
Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-10 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:
I hereby request a complete reinvestigation against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for posting unsubstantiated debt purchases and/or collections against my personal credit reports. I have posted individual collections against each of these companies and my disputes are on point legally. I requested that each company remove all collections permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX : I was contacted by Sentry Credit for an outstanding debt of ~ {$11000.00} for a rental property in XXXX XXXXXXXX XXXX The collector shared with me the move in date was XX/XX/year> and move out day was XX/XX/year>. This was due to identity theft, which I reported to the local police in XXXX of XXXX. I am in the process of submitting all documentation to the debt collector to prove identity theft. 

XXXX. XXXX XXXX XXXX : I was contacted by XXXX XXXX XXXX for an outstanding debt of {$7600.00} for a rental property in XXXXXXXX XXXX This was due to identity theft, which I reported to local police in XXXX of XXXX  I have submitted all required paperwork to the debt collector to have this resolved, including : proof of identity, proof of residence at the time debt was accruing, police report, affidavit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof.

Additionally, I invoke my rights under the following FCRA provisions : 1. FCRA Section 605 ( a ) - It is the responsibility of credit reporting agencies to ensure maximum accuracy of the information they report. The inclusion of late payments caused by identity theft and data breaches violates this section.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) - Under this section, I demand an immediate investigation into this matter and the removal or correction of the inaccurate information within 30 days.

3. FCRA Section 623 ( a ) ( 5 ) - This requires furnishers of information to investigate disputed data thoroughly. If the creditor can not provide concrete evidence that the late payments are legitimate and not the result of identity theft, they are obligated to cease reporting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: ND

Complaint narrative:
Last year I filled a complaint against my mortgage lender Newrez LLC with you for not paying my home insurance on time on XX/XX/XXXX. This year I received an email from Newrez on XX/XX/XXXX stating that my home insurance was paid. On XX/XX/XXXX I received a reminder notification from my insurance company XXXX XXXX that my insurance policy was due and that my insurance would be canceled if it was not paid by XX/XX/XXXX. I believe that this is an attempt by Newrez LLC to force my insurance company to cancel my insurance so that I am forced to buy insurance from someone chosen by Newrez LLC, most likely from a company that Newrez has financial interests with. I would like to know how my insurance money from my escrow was sent to XXXX XXXX and why it takes a month for XXXX XXXX to receive my money. I would also like to know how I can have my escrow account removed from Newrez LLC so i can pay my insurance and property taxes myself so this doesn't happen again next 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 explanation
Consumer complaint received 2025-01-10 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-10 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Description of complaint : This is about credit report manipulation and predatory practices of a lending Institution I have four credit cards with synchrony bank. A Walgreens card. A Guitar Center card. The Care Credit Credit Credit Card. And a synchrony MasterCard. I have never had a late or missed payment. The highest credit usage I've ever had ant at was approx 60 % Approximately 2 months ago out of nowhere my available credit on the Guitar Center card was reduced from {$1500.00} to {$250.00}. I had an approx {$100.00} balance at the time. On the XXXX of this month my available credit on my synchrony MasterCard was reduced from {$1500.00}. To {$1000.00} with a balance of just under {$950.00} This accounts for a total reduction in my total available credit on my credit report by {$1700.00} It also took my used credit on My Guitar Center card from less than 10 % to nearly 50 % overnight without me making a purchase And it took my used credit on my Mastercard from 60 % to 97 % overnight without me making a purchase When I requested the reason for the reduction in usable credit they quoted that my cards are at high balances vs available credit... Which they had just manipulated to be the case. They quoted that my total credit usage versus total available credit was too high. Even though they had just manipulated my credit report by removing just under {$2000.00} worth of total available credit. 

This is a predatory behavior that is counterintuitive to people who are wanting to build their credit. And probably not even noticed by those that are new to the understanding of the credit system setting them at a disadvantage. This has caused my credit score to go down instead of up while paying off my credit cards.

I want my available credit to be restored to {$1500.00} on each card until I pay off and cancel the cards at a time of my own choosing. Instead of a company manipulating my personal credit score and negatively impacting other financial decisions like selling and buying a new house. Trading in my car. Etc And I want it on record that this company abuses their customers credit scores. 

Desired settlement : Correction to a 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

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 2025-01-10 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:
" 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 2025-01-10 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:
My home loan was sold from XXXX XXXX to XXXX XXXX XXXXl in XX/XX/XXXX, I was not even notified. it was then reported that my loan was 30 days behind but it was not. I showed proof that I was not behind with XXXX XXXX but it seems as no company would listen. I kept contacting both companies and couldn't get any help. My credit profile kept saying that I was 30 then 60, then 90 etc ... days behind. Also my Federal VA loan fell under the protection of a moratorium even If i could not pay and should not have been reported on my credit profile as delinquent. Here 's the proof of that moratorium protection. 
XXXX XXXX XXXX  This moratorium was extended to XX/XX/XXXX I would like those late payments removed from my credit profile. staring from XX/XX/XXXX to XX/XX/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