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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello. Im sorry, due to my XXXX I am confused. I think I already reported the fraud to you. My elderly, XXXX mother ( XXXX XXXX XXXX ) and myself ( XXXX & XXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. I talk to the banks and credit card companies everyday ( approx XXXX companies ) and most have been understanding. The problem I am having is that the suspects made payments from cards to other cards, so when the funds get taken back because fraud was reported, they send me letters about payments not going through or getting retracted, and say I owe that money. I dont know what to do. I cant afford an attorney, Mom lives with me but we live check to check. In addition, the suspects send fake invoices to the credit card company stating we owe them for work done but they were paid up front and the transactions were them paying themselves from our cards, so it looks like I paid them but am now disputing it but thats not it at all. I appreciate any help and guidance. Thank 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
Submitted multiple requests to XXXX XXXX XXXX report VA Mortgage to XXXX and all Credit Bureaus.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE HARD INQUIRIES ARE NOT MINE, PLEASE HELP ME TAKE THESE OFF FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
Freedom Mortgage XXXX has deleted all online accounts for VA XXXX XXXX who have assumed loans. There is no fix for this, and Freedom mortgage will not allow myself, or other customers who have these types of loans to have access to view their account, view payments, or download loan and tax documents online. 
XXXX has given false promises for timelines to fix this issue, and with all deadlines having come and gone, it seems clear that there is no intent to fix this problem.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I give Transunion and XXXX permission to proceed with this complaint. 

I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed.Transunion and XXXX has failed to throughly investigate these fraudulent accounts. I have battled for years now with them. I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. 

FTC Report Number XXXX : XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$720.00} *XXXX XXXX  XXXX {$1000.00} Variances of Name : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 60651 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Sincerely, 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 2024-11-27 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: GA

Complaint narrative:
XXXX XXXX XXXX NA, XXXX BANK My account with XXXX XXXX XXXX NA, XXXX BANK was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SectioXXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA bank will not release my funds from my checking and savings accounts... USAA bank has blocked and restricted all transaction activity in the account for over a month ... " unduly '' blaming it on unsecured transactions and verification. I have asked and tried to close the accounts and receive my money with no success because of USAA 's " illegal policies ''

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the account reported under XXXX XXXX XXXX. ( partial account number : XXXX ). The reported information contains multiple inaccuracies and inconsistencies, and despite previous disputes, TransUnion has not corrected the issues as required by law. 

XXXX Violations and Detected Inconsistencies XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account status is reported as " Derogatory '' by TransUnion, while XXXX reports it as " Closed. '' - Dates for account opening, last report, last activity, and last payment are inconsistent when compared to data from other agencies. 

- Fields in the payment history are incomplete, with blank spaces instead of accurate information. 

XXXX. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite previous disputes submitted to TransUnion, the inaccuracies in this account have not been corrected. This indicates a failure to perform the reasonable investigation required under the FCRA. 

XXXX. Impact on Payment History ( FCRA, Section 605 ( b ) ) : - The payment history section is completely blank, which fails to accurately reflect the actual activity of the account. 

XXXX. Incomplete or XXXX XXXX XXXX XXXX ( FCRA ) : - The reported credit limit of {$2700.00} shows discrepancies when compared to information reported by other credit bureaus, raising concerns about its accuracy. 

Additional Concerns TransUnions continued failure to address these issues after previous disputes reflects noncompliance with 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct timely and reasonable investigations.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the account reported under XXXX XXXX  XXXX. ( partial account number : XXXX ). The reported information contains multiple inaccuracies and inconsistencies, and despite previous disputes, TransUnion has not corrected the issues as required by law. 

XXXX Violations and Detected Inconsistencies XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account status is reported as " Derogatory '' by TransUnion, while XXXX reports it as " Closed. '' - Dates for account opening, last report, last activity, and last payment are inconsistent when compared to data from other agencies. 

- Fields in the payment history are incomplete, with blank spaces instead of accurate information. 

XXXX. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite previous disputes submitted to TransUnion, the inaccuracies in this account have not been corrected. This indicates a failure to perform the reasonable investigation required under the FCRA.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : - The payment history section is completely blank, which fails to accurately reflect the actual activity of the account. 

XXXX. Incomplete or XXXX XXXX XXXX XXXX ( FCRA ) : - The reported credit limit of {$2700.00} shows discrepancies when compared to information reported by other credit bureaus, raising concerns about its accuracy. 

Additional Concerns TransUnions continued failure to address these issues after previous disputes reflects noncompliance with 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct timely and reasonable investigations.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION, This email is a formal and urgent demand to overturn my recent rental denial for the property located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Your actions are causing undue harm by relying on false, unverifiable information. Additionally, your practices of reporting or using negative information without my consent violate key legal protections, and I demand immediate correction. 

Important Laws You Are Violating 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : The FCRA requires that all information reported about consumers is accurate and verifiable. You are violating this by relying on incorrect information to deny my application.

Under the FCRA, I have the right to opt out of the sharing of my information for unauthorized purposes, and you are ignoring this legal right.

2. Consumer Protection Laws : These laws ensure that businesses, including rental screening services, do not engage in deceptive, dishonest, or harmful practices. Reporting or sharing negative information without valid authorization is deceptive and against my rights as a consumer. 
3. Fair Housing Act ( FHA ) ( 42 U.S.C. 3601-3619 ) : Any reliance on biased or incorrect screening data that results in housing denial could constitute discrimination or an unfair housing practice.

What I Demand 1. Overturn the rental denial and reinstate my application immediately.

2. Provide written confirmation that no negative information has been or will be reported on my file.

3. Cease all information sharing or reporting immediately, as I explicitly opt out of this practice. 

Your actions are not only dishonest but also harmful to my financial stability and personal well-being. This negligence is a direct violation of my rights under the laws outlined above. 

I expect a response and written confirmation of compliance within XXXX XXXX Failure to comply will leave me with no choice but to take further legal action to protect my rights and address the harm caused. 

Sincerely, 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: MO

Complaint narrative:
Unauthorized inquiry on credit report. Unaware of company.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report on XX/XX/year> and noticed an account XXXX XXXX  that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting XXXX XXXX late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. I'm now requesting you investigate this account and update these payments to never miss and paid on time immediately. Thank you for your understanding and prompt action.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report on XX/XX/year> and noticed an account XXXXXXXX XXXX  that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting XXXX XXXX late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. I'm now requesting you investigate this account and update these payments to never miss and paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief