vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: DC

Complaint narrative:
BSI Financial Services is my mortgage servicer. On XX/XX/XXXX, it sent me a marketing email offering home insurance claiming that my policy would expire in 60 days, which was incorrect. I called confirmed that information was incorrect and asked that they correct their marketing practices and to receive confirmation that the issue had been handled, and they declined to change marketing practices or to provide me with information to contact the marketing department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-27 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: IL

Complaint narrative:
I was reviewing my credit report and I noticed an inquiry that do not belong to me. 

US DEPARTMENT OF EDU - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is working with XXXX and XXXX aka XXXX XXXX to manipulate my credit score. On XXXX XXXX Transunion and XXXX dropped my XXXX XXXX by a total of XXXX points. XXXX changed my payment status on my XXXX XXXX XXXX account to reflect a 30 day late for XXXX of 2024. This matter had previously been corrected by XXXX XXXX XXXX in XXXX of 2024. Ive contacted XXXX XXXX XXXX and they advised that they did not make any updates that would reflect the account to be delinquent. Transunion is reporting XXXX accounts incorrectly XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These XXXX accounts should reflect included in XXXX  XXXX bankruptcy. Please see the attachments which shows Transunion dropping my score for items that should not drastically affect my score. This behavior has been consistent with Transunion. I feel that the behavior is an act of retaliation due to previous legal action and complaints I've taken against Transunion. This behavior has and continues to cause me emotional stress and financial damage. It is just unimaginable that they would intentionally harass me and especially on XXXX XXXX! This behavior is unacceptable and needs to be held accountable.

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 2024-12-27 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: TX

Complaint narrative:
There is wrong address on my credit report and I disputed with XXXX credit agencies and they didnt remove it except XXXX XXXX Please ask them to delete this wrong address

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 2024-12-27 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: TN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2024-12-27 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has butchered my credit report with negative information on a loan that never was disbursed to me credit never received and closure of account still being reported as opened. Fraudulent account has been opened in my name as one account was closed another reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has butchered my credit report with negative information on a loan that never was disbursed to me credit never received and closure of account still being reported as opened. Fraudulent account has been opened in my name as one account was closed another reappeared.

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 2024-12-27 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-27 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute information reported on my credit report under my name, specifically a bankruptcy Report ID : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This information is inaccurate and should be removed from my credit report. 

I would like to explicitly declare that I am the person identified in the credit report and that this is not a case involving a third party, as has been indicated in previous communications, which may have delayed this process. Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is **accurate and fully verifiable**.

According to my understanding, you claim to have verified this bankruptcy through public records. However, I have confirmed that courts do not report or share bankruptcy information directly with credit agencies. In fact, I have an official letter from the court that explicitly states **they do not disclose bankruptcy information to any credit agency**. This indicates that the information was obtained from a third party, which raises serious concerns regarding its accuracy and my XXXXright to privacyXXXX 

Therefore, I request the following : XXXX. Provide specific evidence of how and with whom this information was verified, including the direct source ( court or authorized entity ). 
XXXX. Remove this bankruptcy from my report if you are unable to provide adequate verification in compliance with the FCRA. 
By law, I expect this issue to be resolved within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I am writing to dispute information reported on my credit report under my name, specifically a bankruptcy Report ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This information is inaccurate and should be removed from my credit report. 

I would like to explicitly declare that I am the person identified in the credit report and that this is not a case involving a third party, as has been indicated in previous communications, which may have delayed this process. Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is XXXXaccurate and fully verifiableXXXX.

According to my understanding, you claim to have verified this bankruptcy through public records. However, I have confirmed that courts do not report or share bankruptcy information directly with credit agencies. In fact, I have an official letter from the court that explicitly states **they do not disclose bankruptcy information to any credit agency**. This indicates that the information was obtained from a third party, which raises serious concerns regarding its accuracy and my XXXXright to privacyXXXX 

Therefore, I request the following : XXXX. Provide specific evidence of how and with whom this information was verified, including the direct source ( court or authorized entity ). 
XXXX. Remove this bankruptcy from my report if you are unable to provide adequate verification in compliance with the FCRA. 
By law, I expect this issue to be resolved within 30 days.

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 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was reviewing my credit report and I noticed some inquiries that do not belong to me. 

XXXXXXXX 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 2024-12-27 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: OH

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-12-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Collection Inquiries in Dispute : 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 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 Date Opened : XX/XX/XXXX Balance Owed XXXX {$390.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$37000.00} Late/Open XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Late/Open

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 2024-12-27 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: NC

Complaint narrative:
This correspondence serves to notify you that I have recently obtained a copy of my credit report published by your organization. Upon careful examination, Im writing to dispute the inaccurate information that appears in my XXXX consumer report. 

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, pertains to Section 623, which addresses the responsibilities of consumer reporting agencies regarding the maintenance of accuracy. The Act stipulates that these agencies are required to report solely accurate information. Therefore, I kindly request to remove the inaccuracies from my report. 

On XX/XX/XXXX, I examined my credit report and discovered that XXXX is reporting incorrect information. Firstly, an old address, XXXX XXXX XXXX XXXX Oh XXXX, has reappeared, although I have never resided at that location. Additionally, the status of my XXXX card tradeline is incorrect. For account number XXXX, it indicates that the account was written off in XX/XX/XXXX, which is inaccurate ; it should have been written off in XXXX. Furthermore, the second XXXX card, # XXXX, has an erroneous reporting status for the period from XX/XX/XXXX to XX/XX/XXXX. I request the removal of this inaccurate information from my record. 

Furthermore, regarding my XXXX Credit card ending in XXXX, I have noticed that XXXX, Equifax, and XXXX reported a charge-off in XXXX, whereas it actually occurred in XXXX. Federal regulations require the accurate reporting of information, and this company has not complied. I request the removal of this inaccurate data from my credit report. 

On XX/XX/XXXX, I dispatched a certified letter to all credit bureaus, requesting the removal of accurate data associated with XXXX. I informed them that they have 30 days to verify and eliminate this erroneous information.

Company response to consumer: Closed with non-monetary relief