vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: NC

Complaint narrative:
I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( experian, XXXX, XXXX ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.

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 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTERN ALLIANCE BANCORPORATION
State: VA

Complaint narrative:
This is my third complaint on this topic as the company is misrepresenting facts in their response and I dont have and option to highlight the misrepresented facts and attach to the feedback. 
I have asked Western AllinaceXXXX Bank to apply my restrcited escrow funds to the loan principal balance and recast the loan in XXXX XXXX and they delayed the process which resulted in me paying thousands of dollars of interest. 

The company has misrepresented the following facts in their reponse. 
1. I never made any repairs to my property as the home washed away. The company is aware of this and infact I was allowed to cancel my home owners insurance middle of XXXX as there is no home on the lot. There were no inspections, no contractor information and no progression report ever. They stated repairs were completed in XX/XX/XXXX when I havent done any repairs. I would like to ask the company about the evidence of the repairs that were completed in XX/XX/XXXX. 
2. The company stated that I inquired about using funds to pay off the loan in XX/XX/XXXX but in reality, I have inquired about using the claim funds to pay off the loan and recast the remaining amount in XXXX XXXX. Please listen to the calls when I had customer service, mortgage departement and loss draft on the call in XX/XX/XXXX. All of them said it can be done and asked me if I want to initiate and I said yes to that. Subsequently, I was sent a recast schedule ( after restricted escrow was applied to principal ) and I paid {$300.00} over the phone for recast fee and you can see the evidence in the payment history in XXXX XXXX. I have contacted the company numerous times since XX/XX/XXXX and was always told it is being processed and in reality the process only started after my escalation in XX/XX/XXXX. 
3. The company claims that I have not returned the recast agreement while I have not received the agreement. When I called the company in early XXXX they said they are processing and dont need any information from me. Please listen to the calls. On XX/XX/XXXX after receiving the response to my complaint, I called the company and asked them for tracking number for the recast agreement and they can not locate it. The supervisor said he will research and contact me and no call back as of XX/XX/XXXX at XXXX The company needs to do an internal review of 1. Their process of applying restrcited escrow funds to loan and recasting the loan.

2. CFPB complaint review process. Clearly the complaints operations team has not done a thorough review of the calls and evidence and has mistateted many facts trying to hide process issues under the rug.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-03-28 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: IA

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-03-28 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: IA

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-03-28 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: IA

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Yesterday, I have received this email to the registered email address. It asked me to specify the account number for XXXX XXXX. XXXX. Since it was not clear what this meant, I checked the website of bank and still not clear. Previously, I have sent the issue on all my account including a joint account ; therefore, there is no necessary to indicate which account number to be checked. 

Sincerely,

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 2024-03-28 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: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit 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 2024-03-28 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: MS

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. 

XXXX XXXX XXXX : Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Account Number XXXX, XX/XX/XXXX : Account NumberXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2024-03-28 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-28 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-28 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: SC

Complaint narrative:
I was advised by a TransUnion rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. Use same format as before and list inquiries : 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

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 2024-03-28 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: NC

Complaint narrative:
I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( XXXX, transunion, XXXX ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.

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 2024-03-28 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: NC

Complaint narrative:
I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( XXXX, XXXX, equifax ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: IL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

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 2024-03-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2024 My vehicle was repossessed. After some time I was allowed to retrieve it after paying necessary payments and fees in late XXXX. Since, the account has been shown as closed on my credit report with XXXX, XXXX and XXXX. When it is open and up to date.

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