vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I hope this letter reaches you in good health. I am writing to formally challenge certain inaccuracies in my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting of consumer credit information. 

Disputed Information : I am specifically disputing entries linked to the XXXXXXXX XXXX  XXXX under Case # Public Record - XXXX - XX/XX/year>. 
Lack of Verification : It has come to my attention that these items were reported by your organization without the necessary verification from the XXXXXXXX XXXX Court, thus raising serious questions about their authenticity. 
Validation Requirements : My subsequent verification inquiries with the XXXXXXXX XXXX Court revealed that your organization failed to perform the mandatory validation checks on this public record. Accurate public record reporting is critical, and any inaccuracies can have significant negative impacts on my financial health. 
FCRA Compliance : The inclusion of this unverified derogatory information not only affects my credit score adversely but also violates FCRA regulations, which strictly require the reporting of only verified information. 
Request for Documentation : To date, I have not received any substantial evidence from your side confirming the accuracy of this disputed data. The FCRA requires that any inaccuracies be corrected promptly, failing which they must be removed from the credit report. 
Right to Accurate Information : Under the FCRA, I am entitled to a credit report that accurately reflects my financial history without any unsubstantiated derogatory marks. 
Given these issues, I request the following actions to resolve this matter : Immediate Removal of Incorrect XXXX  Information : I insist on the permanent removal of all XXXX  information associated with my Social Security Number that has not been appropriately verified. 
Deletion of Derogatory Marks : Any derogatory information that can not be verified must be removed from my credit report immediately. 
Provision of Updated Credit Report : Following these corrections, please provide an updated copy of my credit report that reflects these changes. 
I appreciate your prompt attention to this matter and look forward to an amicable resolution. Please be advised that if these concerns are not addressed within 30 days from the receipt of this letter, I may consider taking further legal action to protect my rights as provided under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account and multiple unauthorized inquiries that appear on my credit report. I am a victim of a data breach, and I did not authorize this account or the listed inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Account to Be Blocked and Deleted XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$460.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXXXXXX XXXXL XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXXXXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report. even after your investigation. I would like this item re-investigated. The inaccuracies are highly injuries to my credit score. 
XXXX XXXX XXXX ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I may follow up. Please send me an updated copy of the credit report after reinvestigation.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I discovered accounts on my credit report that I didnt open ; I request their immediate deletion and blocking.

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 2024-11-27 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Dear AMEX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : AMEX, dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-27 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-27 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In XXXX Ocwen Loan discharged the loan, the house was destroyed in a fire. Despite multiple attempts for the insurance policy documents so I can file a claim for the loss of the property Ocwen has failed to provide this information. Ocwen is stating that they can not find insurance policy, escrow payments and no record of the mortgage, however, in XXXX they issued a Mortgage Discharge to the IRS cancellation of debt for {$53000.00} for property address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It is My personal statement that the personal information that is listed on my credit report is inaccurate and needs to be updated immediately to reflect accurate information within my consumer report. 

SEE ATTCHED IDENTITY THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is My personal statement that the personal information that is listed on my credit report is inaccurate and needs to be updated immediately to reflect accurate information within my consumer report. 

SEE ATTCHED IDENTITY THEFT 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 2024-11-27 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX  XXXX : account number : 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 2024-11-27 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: VA

Complaint narrative:
To Whom It May Concern, I recently received a copy of my Experian, XXXX, XXXX credit report, I noticed a high utilization posted on my XXXX XXXX XXXX  account, Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; You have XXXX calendar days to either update my credit utilization to XXXX  or below, or remove all utilization from my report. Credit Card Utilization is an Experience. 
If my request is not granted I will pursue legal action against your company for Violating the FCRA.

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 2024-11-27 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: DC

Complaint narrative:
My credit report includes unapproved hard inquiries. Correct this error under 15 USC 16c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a bankruptcy on my credit report and I reached out to the credit reporting agency to have them removed under the fair credit act I shouldnt have information on my credit reports thats not true. I went to the court that they said they got the information from and the court said that they dont send any reporting agencies any information and they didnt have any records that Ive ever filed a bankruptcy

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 2024-11-27 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:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX - {$680.00} XXXX XXXX  XXXX XXXX - {$6300.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I made a purchase on an online arcade site for XXXX transaction totalling XXXX on XX/XX/XXXX for XXXX. XXXX on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I requested a deposit for money that I earned back from the company totalling XXXX. I was told the money was deposited in my account. The company which is called XXXX XXXX has told me they have already credited my account and that I needed to talk to my bank. In the interim, I have found that this company knowingly scams people and is part of many local lawsuits. I contacted my bank which has told me the transactions are valid and that I have to contact the merchant. The merchant tells me to contact my bank. This has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: DC

Complaint narrative:
Remove all hard inquiries on my credit report that were not authorized by me.

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 2024-11-27 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a charged-off account that has been reported on my credit report. I am requesting your assistance in resolving this matter as I believe it has not been properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4500.00} I have previously contacted the creditor and/or debt collector directly to request validation of this debt, but I have not received sufficient documentation to confirm its accuracy or legitimacy. Specifically, I am requesting the following information : 1. Proof that the debt belongs to me, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including the principal, interest, fees, and any payments applied.

3. Evidence that the debt was lawfully charged off and reported to the credit bureaus.

4. Documentation of all communications regarding this account.

The lack of validation not only raises concerns about the accuracy of this charge-off but may also indicate violations of my consumer rights under federal law.

I am requesting your offices assistance in investigating this matter and ensuring that the creditor or debt collector complies with their obligations. If the debt can not be validated, I request that this charge-off be removed from my credit report and that any associated collection efforts cease immediately. 

Please let me know if additional documentation is required from my side to process this dispute. I appreciate your time and effort in addressing this issue.

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