vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collections : XXXX Account # 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FCRA requires investigations to be completed in 30 days. Trans Union and XXXX has gone over 30 days according to the law. I did not consent to XXXX and Transunion to add to my credit report. There was no investigation be either. I will be filing for a {$1000.00} in court. I will also be writing FTC that my rights were violated. Due to the XXXX, XXXX breach. I am demanding one last time that the bankruptcies be removed and sent an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I made and uninformed decision when I applied for this card. It wasnt clear to me. ( law 15 USC 1602 ) So the agreement is fraud and a violation. 

Also They dont have permission to report on my consumer report with out my permission. 

XXXX bank ( XXXXXXXX XXXX ) XXXX XXXX bank ( XXXXXXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) 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 XXXXXXXX XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. XXXX ( XXXX. XXXX ) XXXXXXXX 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 explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Experian has refused to remove the said below account but removed other accounts that were sent at the same time. My privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone on the line Experian tells me about their policy and their rights all while Im speaking to someone overseas about my account in the United States. I am requesting that I be sent an updated account after the removal of the said below account as well as my credit score. DO. NOT OPEN NEW DISPUTE THE LETTER AN UPDATE TO THE DISPUTE FILED XXXX. 

XXXX ACCT # XXXX My Experian membership number is 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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My account has been paid off for 10-12 weeks. The company is still reporting a {$900.00} balance. The last reporting date by the company was XX/XX/2022. Ive contacted the company twice by phone and once by mail. Ive received a response via email that I must wait 45 days for resolution. Ive waited twice that time already. 

My credit score is XXXX and I dont think it will impact my score much. However, my concern is for the people- perhaps thousands- who are being negatively impacted by this. Having been in financial institution lending, I know all too well how many people have damaged credit resulting from lenders who cant generate a simple electronic report update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX Personal information XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXX cleaning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I disputed a tradeline on my XXXX credit report from Affirm. I informed XXXX the account balance was incorrect and needs to be updated. Its been over 30 days since this account has been updated now. XXXX completed my dispute with incorrect information. On XX/XX/2022 XXXX stated Affirm informed them the balance is correct after I uploaded proof that balance was incorrect. XXXX did not update my account at all. Now I want this tradeline deleted from my report based on Fdcpa guidelines of incorrect reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I closed my American Express credit card with a credit balance of {$680.00}. AmericanExpress informed me that they would sent me a check to close out the remaining balance. I waited a month and I did not receive the check. On XX/XX/XXXX I contacted AmericanExpress. I was told a checked was mailed to me and cashed on XX/XX/XXXX. I informed XXXX that I never received the check and I made a couple of follow ups with them afterward. I was told the balance would be sent to me again through wired transfer. 

Then on XX/XX/XXXX, I received a letter from XXXX stating again that my remaining credit was cashed through a check and with the letter, a copy of check was attached. I saw no signature at the back of the check and it was deposited to an account I did not recognize. I immediately contacted XXXX and told them the situation. XXXX informed me that they would investigate with the back office and keep me updated. Afterward I never heard from them. Each time I contacted them I was told that the check has been mailed and cashed and they refused to refund me the credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
We have an escrow account with our mortgage company, Mr Cooper, to pay insurance and taxes. We received a letter from the city on XX/XX/2022 that the property taxes are overdue. We went to the city in person and they confirmed that they never received the property tax payment of {$4400.00} by looking at their electronic payment records and checks. To avoid further penalties we paid the property tax in person. 
When we checked our account with the mortgage company 's website it said that the property taxes were paid XX/XX/2022. 
On XX/XX/2022 we contacted the mortgage company via phone to file the complaint of the missing payment. They promised to get back to us within a week with an explanation. We never received a call with an explanation. 
On XX/XX/2022, we filed a notice of error through the mortgage company 's error center. 
On XX/XX/2022, we received a message that issue was forwarded to mortgage company 's Tax Department for completion of investigation on disbursed amount on XX/XX/2022. 
We have never received an explanation or notice, neither has the escrow account been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.

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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I was victim to scam that led me to transfer {$1500.00} to XXXX XXXX on Zelle on Friday XX/XX/2022. I was given a check for {$1900.00} that turned out to be unverified. I was tricked into making another transfer of the rest of the money to another email that was not signed up with Zelle so I was able to cancel that transaction. However the initial one had already gone through and therefore is not recoverable outside of asking them to send it back. I called XXXX XXXXXXXX XXXX on Monday XX/XX/2022 to ask about the second transaction when they informed me that the email I had made the second transaction out to was already reported. They said that the most they can do is contact XXXX XXXX 's bank and ask for the money back. 

The scam was a job offer of being a student research assistant at my university. They had sent me the money to order my materials then told me to transfer it to a sales development representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed a tradeline on my Experian credit report from XXXX. I informed Experian the account balance was incorrect and needs to be updated. Its been over 30 days since this account has been updated now. Experian completed my dispute with incorrect information. On XX/XX/2022 Experian stated XXXX informed them the balance is correct after I uploaded proof that balance was incorrect. Experian did not update my account at all. Now I want this tradeline deleted from my report based on Fdcpa guidelines of incorrect reporting

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