vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
I RECENTLY WAS DENIED FOR A MORTGAGE LOAN DUE TO THE FACT THAT I HAVE AN INACCURATE CREDIT REPORT. NOT ONLY IS THE ITEMS INACCURATE BUT THEY DO NOT BELONG TO ME. EACH CREDIT BUREAU VERIFIED ACCOUNTS THAT ARE STILL REPORTING INACCURATELY AND FRAUDULENTLY. I KNOW AFTER EACH BUREAU VERIFY AN ACCOUNT THEY MUST PROVIDE ME WITH XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. I NEED THIS INFORMATION SENT TO ME IMMEDIATELY AND IF YOU CANT PROVIDE ALL OF THIS THEN I NEED ALL ACCOUTS REMOVED EXPEDITIOUSLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.

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 2024-05-26 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:
Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report XXXX need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do This is a violation ef 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k

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 2024-05-25 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: WI

Complaint narrative:
no resolution file since XX/XX/year> turned over to FAIR XXXX REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX showing on all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. XXXX XX/XX/year> finger hut web bank. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides XXXX XXXX XXXX XXXX XXXX collect money? ... that not owe XXXX the accounts different. Collect XXXX who stated all information was received. From XXXX XXXX? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i EQUFAX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
no resolution file since XX/XX/year> turned over to FAIR XXXX  REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX XXXX XXXX all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX  REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. SINCE XX/XX/year> finger hut web bank. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides XXXX XXXX XXXX XXXX XXXX collect money? ... that not owe Selling the accounts different. Collect XXXX who stated all information was received. From web bank.? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i XXXX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below

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 2024-05-25 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: FL

Complaint narrative:
FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit 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 2024-05-25 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:
XXXX, XXXX and Experian was asked to get debt validation, signed contract to support the claims as I have no knowledge of this XXXX debts with DEPT OF ED/XXXX Never late with XXXX XXXX XXXX XXXX XXXX. lates need be verified or deleted

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 2024-05-25 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: WA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-05-25 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:
1. Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report Transunion need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do 2.This is a violation of 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

3. How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY BEEN OVER 30 days OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k

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 2024-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation
State: TX

Complaint narrative:
Had a balance with XXXXXXXX XXXX so XXXX became the collections and stated I had an outstanding balance of {$400.00} on XX/XX/XXXX. In the middle of making monthly payment XXXX sold the account to XXXX XXXX and then stated the balance is {$970.00}, the monies i already paid can not be accounted for. On XX/XX/XXXX i paid {$50.00}, and on XX/XX/XXXX paid {$52.00}, now XXXX has the account and says i owe the {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NJ

Complaint narrative:
The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name : 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 explanation
Consumer complaint received 2024-05-25 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: GA

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

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 2024-05-25 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: NC

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-05-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION ONTO MY CONSUMER REPORT. THERE IS NO ACCOUNT NUMBER FOR THIS ALLEDGE DEBT ASSOCIATED TO THE ACCOUNT.

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 2024-05-25 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: NJ

Complaint narrative:
The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name 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 explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name : 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 explanation
Consumer complaint received 2024-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX, XXXX and XXXX was asked to get debt validation, signed contract to support the claims as I have no knowledge of this XXXX debts with DEPT OF ED/XXXX  Never late with Illiana and capital one auto. lates need be verified or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Mortgage company did not pay my property taxes in XXXX Taxes were sold and property was transferred to another person. Company has paid them prior to this year and after this. Said they served my husband but it was a rental property and the rental was not giving me any mail nor paying rent. ( During COVID ) Contacted mortgage company starting in XXXX after learning of the transfer. No one would ever return my call and was told numerous times it would be taken care of and a claim was escalated. I asked if I needed to get an attorney and was told no they would handle it. Called numerous times and was told over and over again they were working on it. In XXXX I received a voice mail stating that they will not be doing anything further and I was out of luck, despite still having a mortgage on this property. I have never received any written correspondence regarding this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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:
FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit 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 non-monetary relief
Consumer complaint received 2024-05-25 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: GA

Complaint narrative:
FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: GA

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my 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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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