vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: MA

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report. My dispute letters have been created using accessible software available to everyone. Refusing to process or address my letters violates 15 U.S. Code 1681i. It is unlawful to delay processing consumer letters based on an assumption of third-party assistance, as this does not qualify as a legal exception. 

I am the sole author of my letters, or they have been written with my full knowledge and consent by my advisors. There is no requirement for a XXXXXXXX XXXX XXXX to process consumer letters. Any failure to process my letters promptly will be seen as a deliberate disregard for my consumer rights, and I will pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being used by creditors. The allegations of delinquency and derogatory information against me are false, and I will not tolerate misinformation affecting my financial history. These allegations do not meet federal or state reporting requirements and can not be substantiated.

The Equifax data breach has led to fraudulent items appearing on my credit report, which I do not recognize. I did not authorize the sharing of my non-public information. Reporting this information is neither fair nor equitable as per 15 USC 1681 602 ( a ), which guarantees my right to privacy. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Per 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years, except for criminal convictions. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing information known to be inaccurate.

I request documented validation of the authenticity and lawful use of the information on my credit report. As per the Fair Credit Reporting Act and 15 USC 1681 604, all users must have a legitimate purpose for accessing consumer reports. My report contains inaccurate personal information, late remarks, and unauthorized inquiries.

This notice serves to inform you that any delay in processing my letters will be viewed as a violation of 15 U.S. Code 1681i, and I will seek legal recourse. The accuracy and compliance of your data are your responsibility. Please ensure that all claims are accurate and reported in the appropriate format as mandated by the FCRA and Metro 2 standards.

I expect this matter to be handled with the utmost care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: ND

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account namXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
Amerihome reported 2 late payments on my credit report. I was not late, it was during a transfer of serving, both of these late payments related to a miscommunication during their transfer/merger of servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED FRC/TBOM 15 U.S.C, 1681section 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 an 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 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX 15 U.S.C, 1681section 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 an 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 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 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am not liable for this debt with CAINE & WEINER, they did not provide me with the original contract as I requested. This account was fraudulently opened in my name due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arivo Acceptance, LLC
State: VA

Complaint narrative:
Arivo Acceptance, sent emails stating that the vehicle wasn't going to effect my credit score or report due to unwrongfully charging me an unknown amount of money. I told them to come get the vehicle within 30 days of having the vehicle. They scammed me and this is unfair to me. They stated this would not effect the doings on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IN

Complaint narrative:
I called trans union and requested the provide me with proof of Principle Purposes for the inquires on my credit and they have refused to provide this

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 2024-06-04 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: MO

Complaint narrative:
I am filing a complaint as well as requesting the removal of the unverified account XXXX XXXX XXXX XXXX that has adversely affected my creditworthiness and overall well-being. Equifax, XXXX XXXX all XXXX bureaus violated my rights under FCRA Sections 1681e ( a ), 1681i, 1681s-2 ( a ) Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
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 2024-06-04 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:
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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2024-06-04 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: EQUIFAX, INC.
State: OK

Complaint narrative:
THE CREDIT FURNISHERS KEEPS BREAKING DODD FRANK ACT AND PURPOSEFULLY REPORTING A NEGATIVE REMARKD FOR LOAN XXXX. LAST XX/XX/year> THE VECHILCLE HAD A CLASS ACTION CLAIM FOR XXXX XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: OK

Complaint narrative:
THE CREDIT FURNISHERS KEEPS BREAKING DODD FRANK ACT AND PURPOSEFULLY REPORTING A NEGATIVE REMARKD FOR LOAN XXXX. LAST XX/XX/year> THE VECHILCLE HAD A CLASS ACTION CLAIM FOR XXXX XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am trying to sell my home and have to close my HELOC account. Despite having XXXX balance on the HELOC, and despite XXXX attempts to close the HELOC, it has not been closed. My attorney asked me to have the HELOC " Frozen '' but Customer Services noted they were unaware of how to freeze HELOC accounts. Then my attorney recommended I just close the HELOC account, but I've been trying for over two weeks, unsuccessfully. 

I reached out to customer service on Thursday XX/XX/XXXX. Twice, they hung up the phone one me. Once they noted the account would be closed after I paid the close-out fee ( which I immediately did. ) Several days went by and I inquired again via phone on XX/XX/XXXX about why the close-out fees remained in my account " Unapplied '' and why the account was still open. 

Instead of applying my payment, they said to wait only to send a letter noting that money was due. I visited a branch in person on Friday XX/XX/XXXX and spoke to the Manager ( XXXX XXXX ). He had me sign a letter to close off the account and uploaded it into the system and noted it should be resolved in XXXX business days. 

I looked again at the account on XX/XX/XXXX and my close-out fees sit unapplied. The account is still not closed. I spoke to the Manager XXXX XXXX again on XX/XX/XXXX and he noted he did as much as he could do and he would need to escalate this. 

I'm trying to sell my home but can not do so until this HELOC is closed and the bank will not let me close it.

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