vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: NC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX XXXX XXXX XXXX - {$8200.00} ( XXXX and XXXX XXXX late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im seeking your help to address the incorrect account listed on my credit report. This matter has severely impacted my reputation, and I require your assistance. The misreporting on my credit report has caused great hardship, and I need these errors corrected to restore my familys peace.

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 2024-08-21 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:
Can you update my address and name on my credit profile.

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 2024-08-21 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: NC

Complaint narrative:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file to this complaint for your review. 

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 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 TransUnion 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

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 2024-08-21 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: NC

Complaint narrative:
I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file to this complaint for your review. 

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 Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
There was a recent issue where my credit file was mixed with someone else. So I disputed the accounts. Specifically XXXX car loans. XXXX and XXXX XXXX. I have no signed contract or have I ever obtained loans with them. The accounts appear open on my credit. I spoke with XXXX last year because I had a similar issue with another credit bureau and the situation was fixed. Its been more than XXXX  days since I disputed the information with Equifax. I never received an update and the information on my credit is false and unverifiable. Both companies verified I have no loans in their system. Furthermore my credit file shows as being locked. A creditor was able to actually pull my report and the fraudulent account show in result I was denied credit. When I login into my Equifax the information doesnt show but Equifax presents these fraudulent account to creditors. There are multiple accounts that appears as open on a consumer report but when I contacted the creditors on the report they stated they dont have my information in their systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
Fraudulent accounts are on my report that resulted from XXXX XXXX. I have notified Experian and provided my XXXX XXXX  report but the accounts are still on 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 2024-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
We had a XXXX  for XXXX  months after coming off of that we were offered a loan modification we got the modification back both our payment was actually higher and our interest rate was higher so we decided not to go with the modification next thing we know we got an auction date put on our door we called with a housing counselor and the mortgage company who is loan care XXXX Lakeview loan management decided that they were in fact wrong and they canceled the sale of the home. The second time we actually were given paperwork that didn't belong to us so we sent it back called them and the foreclosure was put on hold next thing we know on XX/XX/XXXX we receive paperwork that our house was sold at an auction on XX/XX/XXXX back to our loan company Lakeview loan XXXX. They did send us paperwork through the mail that we had to sign for and that came in the mailbox but it was after the auction date XXXX days after the auction date to be exact we still have every envelope with the postmark date on it for proof. After we were given the opportunity for the loan modification we didn't agree with it cuz the payment was actually higher I feel we should have received more options but we got nothing except okay we're foreclosing on you and not XXXX time have they followed the the process the way they are supposed to they send us the legal documents about the foreclosure sale after the foreclosure each time

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 2024-08-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non compliance 15 USC 1666 ( b ) timing of payments A creditor my not treat a payment on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX XXXX XXXX, 2024 To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for this account listed below. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 

JEFFERSON CAPITAL SYSTEMS Partial Acct XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; ( XXXX ) XXXX XXXX In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.

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 2024-08-21 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There were errors found on my credit report that I personally Disputed due to the inaccurate information listed on or around XXXX XXXX 2024 with Experian. Experian failed to properly investigate this inaccurate information and their result was verified and updated dated which is a direct violation to me as a consumer. 
Reporting in question : XXXX XXXX XXXX XXXX Amount : {$2800.00} Under The Fair Credit Reporting Act ( FCRA ) which is the federal law that regulates the collection, dissemination, and use of consumer credit information. 

It is codified in Title 15 of the United States Code, specifically in sections 1681 et seq. ( 15 U.S. Code 1681-1681x ). 

These sections outline the requirements and protections provided by the FCRA to consumers regarding the accuracy and privacy of their credit information. Violations of the FCRA can result in legal action and penalties against credit bureaus that fail to comply with the law.

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 2024-08-21 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: CA

Complaint narrative:
Fraudulent accounts are on my report that resulted from XXXX XXXX. I have notified TransUnion and provided my XXXX XXXX  report but the accounts are still on 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 non-monetary relief
Consumer complaint received 2024-08-21 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 natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-21 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: MS

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-08-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I have sent certified mail, emails, and called this cedars company several times and they have never responded to me in any way. They can't explain this imaginary debt that they are claiming I owe. 

I had an account on XXXX but sold all of my positions years ago for a loss. I certainly didn't owe XXXX any money. I used all my own money and you can't sell without paying the associated fees, so I have no idea what this is, and Cedars refuses to explain it. 

I'm XXXX XXXX XXXX and have never had an unpaid bill, let alone a collection. This infuriates me that no one can explain this and or remove it from my credit report. 

I don't know if this is XXXX XXXX or fraud but I'm certain that its dubious and should be illegal to negatively impact someone's great credit and then refuse to provide any details or answer their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
Its showing on my credit report that I owe {$1100.00} & {$500.00} from XXXX XXXX XXXX. I disputed through mail several times recently & previously. Asking for signature l To date they have not fulfilled the intent of the fair credit reporting act which requires bureau, as a consumer reporting agency to maintain fair, accurate, and equitable to the consumer such as I. The law states 15 USC Section 1681 says that credit bureaus will follow reasonable procedures to assure the maximum possible accuracy of information concerning I the individual about who the report relates the requirements have not been met by their actions. They have not given me evidence of investigation by giving me names and addresses of persons contacted, nor have they removed anything found inaccurate. They have not removed any item for which no verification could be found within XXXX  days. The items were inaccurate & incomplete. Also federal law Act 15 USC 16811that they had XXXX days to respond to letter for recertification of erroneous items. Federal law requires that upon request the creditor must provide the credit bureaus written proof that the account belongs to me the credit bureaus must remove the account from my credit file if this is not completed within XXXX  days and cease reporting all activity written proof is a copy of the contract I signed with the original creditor and not an XXXX response without sufficient proof. I asked who was the original creditor on this account and what was the account # what was the original amount owed? Please provide a complete payment history! Starting with original creditor I asked for them to please provide with documentation that indicates I agreed to pay someone this sum of money. What was the original date of delinquency for account I asked for agreement that grants them authority to collect on this alleged debt or proof of acquisition by assignment. They failed to do so!! Please remove these accounts!

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