vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: NC

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 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX 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 has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-06-19 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: NY

Complaint narrative:
This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NV

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 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-06-19 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: NV

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 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
was charged an over draft fee of {$40.00} XXXX mc charge card # XXXX, exp XX/XX/year> XXXX XXXX. sent 4 charge card payments car payment and 2 utilities, bills in at postoffice at the same time, not one was late, were mailed with plenty of time, got late payment notice in mail, made emergency payment on XXXX on XX/XX/XXXX they cashed the check for {$260.00} which must have mysteriously arrived! I ussuly pay the account on line, but this time mailed it in, I haven't been late on a payment in 40 years, this a good way for the charge card companies to raise the already high interest rate and if they do this to a few thousand people, I'm sure the CEO 'S get a huge bonus Sincerely 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 monetary relief
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I made 3 payments across 3 of my loans in the month of XXXX to XXXX XXXX. 2 of my loans were overfunded and 1 of my loans ( loan # XXXX ) was underfunded as the funds were not allocated correctly. I was not made known of this until it was reported 60 days deliquent to the credit bureaus. I called immediately and made an additional payment to bring the account to good standing. I filed an appeal to have the deliquent reporting removed and was denied the removal in their review. After calling to speak with the supervisor I was told there is absolutely nothing I can do and will have to live with the late payment notice on my credit. This dropped my credit XXXX points in an absolute crucial time where my family depends on my credit to get us through financial hurdles. I asked to file an appeal of the denied decision and was told there was no option for me 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 2024-06-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-19 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-19 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: TX

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

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 2024-06-19 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:
I believe FCRA 605B necessitates the removal of any incorrect account from my credit report. Could you examine the documents? An account have errors in their reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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 pulled a copy of my credit report and noticed a fraudulent account and address. 
Address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Accounts not mine XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX  : Account number 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
Consumer complaint received 2024-06-19 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 have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-19 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have this recurring problem with Rushmore Servicing in that XXXX XXXX XXXXXXXX tax period falls midyear ( XX/XX/XXXX ) while it seems that most other tax assessment periods begin on XX/XX/XXXX. So, not only me but all XXXX residents who have their loans serviced by Rushmore will get a tax bill out of sync with their taxes which for some ( like me ) means they are overpaying or other will have a deficit. Rushmore should be automatically doing an escrow analysis based on the specific jurisdiction 's tax period. To do otherwise means a burden to the property owner- either paying too little and getting an unexpected mortgage adjustment or paying too much and have an expected increase. What does Rushmore get out of it - use of the homeowners ' money. As even if there is a deficit the homeowner ( not Rushmore ) has to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Me and my ex husband are selling our house per our court agreement. We found a buyer to assume my exes VA loan and do a VA assumption, The mortgage company received our documents the 2nd week of XXXX by over night mail, and then lost them. They did not tell us they lost the documents and needed new documents until a week and a half until the loan was set to close. 

We sent in new documents to them the end of XXXX and they told us they would rush the documents and we could possibly close around XX/XX/XXXX. They did not start reviewing the documents until XX/XX/XXXX and now they will not answer our emails or call us and we do not have a contact number for the assumption department and they will not give us one and the customer service department tells us there is no way to get us in contact with them. Weve been told from costumer service agents that they dont even do VA assumptions and there was probably no way the paperwork would go through yet when we read them their own policies they state that they didnt know that was a thing and that their company did that. So, they are spreading lies and creating angst because they are under educated on their own companies servicing departments. 


We have tried emailing several people, several different times and everything just gets ignored. 

The level of unprofessionalism is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I am disputing account listed under the name XXXX XXXX XXXX on my consumer reports. This dispute pertains to an account which I have no knowledge of, nor have I ever held a card or any form of credit with this entity. My prior disputes with Equifax, XXXX, and XXXX have failed to resolve this matter, and I am now seeking your assistance under relevant consumer protection laws. 
I have no knowledge of any account with XXXX XXXX XXXX  and have never applied for or used any such credit. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have repeatedly requested verification of this account, including a signed contract or application, and have received no such evidence. The absence of any verification documentation strongly suggests that this account is erroneous and should be deleted immediately. 
Under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ), the consumer reporting agencies are obligated to provide the results of its reinvestigation within 30 days. Despite my multiple requests, all 3 has failed to provide detailed results of their reinvestigation process or any documentation supporting the legitimacy of this account. This non-compliance is a violation of federal law and further substantiates my claim that the account is not valid. 


The account in question is reported as charged off since XXXX. According to the Truth in Lending Act ( TILA ), specifically under 15 U.S.C. 1666i, charged-off accounts should not continue to report new late payments on a monthly basis. The continuous reporting of late payments on a charged-off account is incorrect and misleading, thus violating my consumer rights. 

As a victim of the Equifax data breach, my personal information has been compromised, placing me at heightened risk for identity theft and fraudulent activity. This breach underscores the necessity for Equifax and also XXXX and XXXX to handle my dispute with utmost diligence and accuracy. 
Given these violations and the impact on my creditworthiness, I demand the immediate deletion of the disputed XXXX XXXX XXXX account from my Equifax, XXXX, and XXXX consumer report. I also request a comprehensive report detailing the procedures followed during the reinvestigations, as mandated by the FCRA. 
I expect a thorough and timely response, with evidence supporting any information that Equifax, XXXX, and XXXX intends to retain on my report. Failure to rectify this issue promptly will leave me with no choice but to escalate the matter through legal avenues and regulatory complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX Prior CFPB complaint related to this complaint here today is ( XXXX ) I have previously sent out a complaint through the XXXX XXXX to rectify my information on my credit report not reporting a 100 % accurately. And my rights being violated, i also made a complaint statement regarding the tax fraud That XXXX, XXXX and Experian XXXX your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Ontop of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Bank XXXX, These account are still On my credit report.. Remove them at once. Thank you 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
Consumer complaint received 2024-06-19 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation