vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: LA

Complaint narrative:
On XX/XX/24 I received a message from TransUnion of a score decrease of XXXX points Due to my XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance being paid off in full decreasing the {$70.00} balance to {$0.00} this has negatively affected my ability to purchase a home.

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 2024-04-23 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up 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 explanation
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: VA

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have been getting push from one to another mortgage company. 
The last one I got transfer to has been messing with my mortgage so bad and you can't deal with them at all. They keep making my payment so high I don't have the money for the payment. I live on, Social Security, and am, handicapp and am XXXX XXXX XXXX. I have repeatly try to get them to lower my payment, they say they can't, I don't understand why not with my age, and my low income, I was told by a lady that was trying to help that I am below the poverty line. I don't have anywhere to go if the do a foreclourse. I am trying to get into senior housing but as for now I need to stay here. I can pay some payment but not what they are setting, they have me paying way over my income, I am struggling now. 

I can tell you this, they are stealing peoples houses, they make your payment to high for you to pay, then they foreclose on it. They are crooks, I was talking to a government program the other day and they feel the same way they the mortgage company is cheating people out of their houses. As for the senior housing I am next on the list for a apt ,, I am afraid they will put me out before I can get in senior housing. They have been totally unfair and rude to me through this whole dealing. Before I got transfer, the former mortgage company I got transfer to had done a modification and had a payment I could manage, when I got transfer everything was sent to the new payment, that I could manage, I did pay that amount to the hew payment, the new mortgage company would not accept. They were suppose to follow that payment, they don't they have me so upset and scare, I have XXXX and XXXX that I am seeing a doctor and counselor for. I really need so help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NJ

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 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 2024-04-23 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: GA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX, XXXX, XXXX, or Transunion written permission or consent to obtain my information or to furnish my information.

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 2024-04-23 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: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX, Experian, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX of 2024, I noticed a XXXX XXXX credit card hard inquiry that I did not make m. It affected my credit score and once contacting XXXX XXXX  the account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX of 2024, I noticed a capital one credit card hard inquiry that I did not make m. It affected my credit score and once contacting capital on the account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

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

1. XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C  1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing of the following items of information.Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-23 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: DISCOVER BANK
State: OK

Complaint narrative:
I am writing this Complaint as a notice of noncompliance from DISCOVER BANK. XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX XXXX On the XXXX XXXX XXXX XXXX  report in the month of XXXX XXXX XXXX  there's a XXXX  days past due reported on my report. That's not accurate. 

On my XXXX report The last payment made says XXXX, XXXXAlso on my XXXX account Discover Bank has XX/XX/XXXX and XX/XX/XXXX as current. Which makes no since. 

On my XXXX account Discover Bank has XXXX of XXXX as XXXX  days lateXXXX of XXXX as XXXX days late. XXXX of XXXX as XXXX days late. 
XXXX, XXXX and XXXX of XXXX all have XXXX days late. 

On my XXXX Account the Discover Bank account closed date is XX/XX/XXXX. However, I have late payments on my report after the closing date. 

On My XXXX report I have late payments reporting from XX/XX/XXXX to XX/XX/XXXX and then charged off in XXXX of XXXX. How do I have late payments reporting after the closing date? Because Discover is reporting XXXX different closing dates. I have a closing date for the account in year XXXX and another closing date in XXXX. Just these XXXX bureaus alone have major inaccuracies. They are not reporting the same. Also because of the inaccuracies in dates it is implied that they wouldn't even fall off at the same time because they are so different. Furthermore, Every Time I dispute they keep reporting in remarks " Account information disputed by consumers meets FCRA requirements. While it's their duty to make a remark that I disputed ; Nothing above meets FCRA Requirements. The FCRA states, specifically 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a ) which states " Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( b ) states " Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. '' They refuse to delete the account thats has so many inaccuracies. Thats not right. They know its wrong and they keep saying it meets FCRA when it clearly doesnt. It isnt the same across the board. Its wrong. Several Late payments after closing dates. XXXX different closing dates. XXXX different charge off dates. XXXX different fall of dates. They XXXX XXXX XXXX the account. This is not my first, second or third dispute. At this point its because fraudulent and willful non compliance. They clearly arent investigating anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ticket. It goes on my driving report for XXXX years. I have a copy of my XXXX XXXX which shows the citation. However, lexis nexis is showing this violation as a XXXX. I was not driving or in a car. There was no vehicle involved. The information they are sending to insurance companies is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: OH

Complaint narrative:
After Mohela sent me a loan forgiveness letter in XX/XX/XXXX, they decided to reinstate my loans in XX/XX/XXXX, with no notice. While I was trying to figure out what was going on with my account, I fell behind in payments. I've gone from making $ XXXX per year to a part-time job making $ XXXX. I requested forbearance and it was denied, again with no notice. I discovered my forbearance was denied by tracking my submission online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-23 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: GA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-04-23 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: CA

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, Transunion and XXXX data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.

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