vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-01-14 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: CA

Complaint narrative:
On XX/XX/2023 I Sent dispute letter to validate 2 accounts & Equifax responded with by saying " Verified '' without proper investigation & explanation how they verified those 2 accounts. I went to check my credit report & it was still reporting incorrect information from the 2 other credit bureau. I sent 2nd dispute letter on regarding XXXX asking to reinvestigate accounts from 1st letter. I also send out on XX/XX/2023 a dispute letter for unauthorized inquiries pictures are listed down below. They did not respond in 30 days & dispute letters were sent certified mail with tracking number listed below in pictures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: GA

Complaint narrative:
I checked my credit report and I noticed that was fraudulent accounts on my credit report I reached out to the companies and the bureaus to remove these accounts and they failed to do so

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 2024-01-14 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX account number XXXX, has violated my rights. 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 instruction

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 2024-01-14 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX account number XXXX, has violated my rights. 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 instruction

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 2024-01-14 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: MS

Complaint narrative:
XXXXXXXX XXXX XXXX is showing a balance of XXXX dollars account on my credit report I have no knowledge of this account it was open fraudulent I have never had XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXXXXXX XXXX Account number : XXXX Reason for removal : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX XXXX are wrong. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason to Dispute : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

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 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was billed for a purchase I did not sign for. I submitted an itemized receipt from the vendor and pointed out the purchase I did not authorize, and the vendor was unable to provide the receipt and the credit card company still did not refund the amount.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I ordered two items from New York and Company with my New York and Company rewards credit card. The items ordered were a pair of shoes and a dress. This credit card that I used with New York and Company through XXXX Bank is a credit card that I had paid off in the year XXXX and the credit card had a XXXX balance before the purchase. New York and Company promised me that I would receive the purchased items by the! date of XXXX XXXX XXXX but New York and Company did not send me the items until XX/XX/XXXX. Due to New York and Company sending me the items late, I returned the items back to the company due to needing the items before XXXX XXXX XXXX When I emailed New York and Company requesting a return label to ship the items back, the company gave me such a hassle regarding sending me a return label and lied to me saying they emailed me one but never did. I then had to go to the New York and Companys website and search for and request a return label. I shipped the items back to New York and Company but the company never credited my account back for the returned items and continued to charge my account late fees for the balance that was charged to my account for the items that were returned. I filed a dispute with New York and Company and XXXXXXXX XXXX regarding this issue but the company is telling me that the dispute can take up to 90 days. In the meantime, the company keeps charging me late fees on my credit card statement for the returned items and has been falsely reporting that I owe a balance for the returned items and negatively and falsely reporting on all XXXX credit bureaus that havent paid this balance in 2 months! New York and Company also mailed me stating that they were going to increase my interest rate on my credit card because of this. I am requesting that this is corrected on my account as soon as possible, correct the false reporting, decrease my interest rate back to what it was or lower. This issue is crazy considering that I had a XXXX balance before all of this and that the credit card had been paid off since XXXX before all of this happened. Since I have paid off the card I rarely use the card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Account : XXXX Account number : XXXX XXXX XXXX XXXX  Reason for Dispute : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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 2024-01-14 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: MD

Complaint narrative:
Re : Responsibilities of a furnisher I recently requested a dispute with your agency and the bankruptcy court regarding this inaccurate account in my credit report. The furnisher told me they do not communicate with your agency. You cant report an account on a consumer report if the furnisher cant notate that the account is being disputed. Therefore, you are reporting an account that shouldnt be reported because its no way to validate that its 100 % accurate without the furnisher participating or sending you documentation that the account meets the FCRA requirements. Currently, I ask that you remove this account. If you dont remove this account, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX Case Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: MD

Complaint narrative:
To Equifax, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable of aggravated identity theft which is punishable for up to 2 years. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 accurate. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) 281 SW715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. As a consumer, and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. 
I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. 
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Mortgage — FHA mortgage
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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Not only did I have payment application issues that Lakeview refuses to address, but they filed for a judgment of foreclosure, when they knew the house was under contract. They filed the judgment the day before closing in the sale, as well as simultaneously sending my account to a collection agency, which caused me to incur an additional {$7000.00} in fees I had to pay out of my proceeds from the sale that they knew was taking place the next day, in order for the closing to take place as planned. They have unnecessarily messed up my credit, including filing a false judgment of foreclosure so that this public record is out there for anyone to see. They have harmed me financially, since I have been denied rental housing due to this filing. Because of this, I am paying higher rent at a place I could find nearby, even though my income qualified me for the original lower rent complex. I was only declined because of this rushed judgment filing that was done strictly to harm and embarrass me. I have called numerous times since XXXX to request information and to ask that they remove the judgment filing, since no judgment was obtained, but they refuse to even talk with me. The closing agent and I were both in regular contact with Lakeview regarding the closing date for sale of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in addition to Lakeview NEVER even provided any written notification of any pending collection action or pending judgment. Please help me in getting this corrected. I had file for XXXX XXXX  in XXXX, and I paid 100 % of my obligations. After all of my hard work, this was a slap in the face.

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 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
i'm writing to inform you of a security incident involving certain personal information you provided on my consumer report. As a precaution, we are providing this notice and outlining some steps you may take to help and protect myself. 
i been a victim of bank fraud transactions duplicate XXXX XXXX keep file dispute with an early warning regarding account abuse but I been victim and the transaction with accurate, I didn't authorize the other one since it's fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: MD

Complaint narrative:
Dear Experian : Im responding to the verified no-change letter you sent me for collection account. 
1. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. This account was PAID and CLOSED. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you 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 2024-01-14 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: ID

Complaint narrative:
New credit account please update My creditor reports are lacking pertinent new accounts and total credit available which dramatically changes my score. Please quickly update my 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 2024-01-14 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: EQUIFAX, INC.
State: ID

Complaint narrative:
New credit account please update My creditor reports are lacking pertinent new accounts and total credit available which dramatically changes my score. Please quickly update my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX account please update My creditor reports are lacking pertinent new accounts and total credit available which dramatically changes my score. Please quickly update my 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 explanation