vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the results of your investigation concerning the account listed as XXXX XXXX XXXX, Account XXXX. XXXX on my TransUnion credit report. Your records indicate that this account has been verified as accurate. However, I must express my concern and frustration with the outcome of your investigation, as it directly contradicts actions taken by both XXXX and XXXX, who have rightfully deleted this account from my credit reports. 
Given that this account has been removed by two other major credit reporting agencies, I find it impossible and unacceptable that TransUnion continues to report this account as verified. This inconsistency raises significant concerns regarding the accuracy and thoroughness of your investigation, which is mandated under the Fair Credit Reporting Act ( FCRA ) to ensure that all credit reporting agencies report consistent and accurate information.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF ID THEFT NEVER GAVE THESE PLACES PERMISSION TO RUN MY CREDIT

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 2024-10-14 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX XXXXXXXX Date : XXXX Creditor Name : Spring Oaks Capital Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Inaccurate Credit Reporting ( 15 USC 16812 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( Spring Oaks Capital llc, account number XXXX is reporting a balance of ( {$20.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 
This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 
Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

I have NEVER opened or USED the following account numbers : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the FTC identity theft report to this request. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
My wife and I applied for mortgage financing at Better Mortgage and were approved. I lost my job during the process, informed Better and they issued a denial for insufficient income, which would be correct. After the scheduled closing date our bank notified us that we had a new mortgage loan with XXXXBetter Mortgage  for the amount of {$180000.00} and the loan was active. It also severely lowered both of our credit scores. We called to confirm with the XXXX, XXXX, and they did confirm it was an active mortgage on a property we did not own. We never signed any closing documents, we never went to the law office to close, but the mortgage was set up anyway in our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NJ

Complaint narrative:
After a reinvestigation I was looking over my report and I noticed this accounts listed below is not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account was charged off on the following date : XX/XX/year> since then, the account has repeatedly been updated as charged off every month since XX/XX/year>. This is an update in the payment history. A charged off account should not include an active payment history. since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charged off account should not include an active payment history this inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after I asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following account The dates last active are inconsistent across all XXXX credit bureaus. 

XXXX XXXX  XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. The dates last active are inconsistent across all 3 credit bureaus. - Delete Account Immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of lnaccurate lnformation and Failure to Correct Errors in Violation of the FCRA To Whom lt MaY Concern, I am following up on my dispute letter regarding the inaccurate information on my credit report ' which Experian has improperly verified. Despite providing my government-issued lD and proof of address, Experian has failed to remove the following inaccuracies : - lnquiry from XXXX XXXX XXXX XXXX XXXX XXXX - lncorrect Addresses : - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX ; XXXX, FL XXXX - lncorrect Names : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Case Law in Similar Situations ln XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX, the court ruled that credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items ' The reporting agency in that case failed to do so by relying solely on the creditor 's information ' Experian is similarly violating 1.5 U.S.C. 168Li by failing to remove the inaccuracies in my report ' despite having provided evidence of my true identity and address ' Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX F XXXX XXXX, XXXX XXXX ' XXXX ) makes it clear that credit inquiries must have a permissible purpose under the FCRA ' The inquiry from XXXX XXXX XXXX was unauthorized and is in violation of 15 U'S'C ' 1681b ' I did not apply for credit from this company or authorize this inquiry. The unauthorized inquiry is a clear violation of the FCRA and must be removed immediately. 
Violations of the FCRA Experian is currently violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : - FCRA 511 ( XXXX  ) - Experian is required to conduct a proper investigation once I have disputed the information, which I did, providing sufficient proof ' - FCRA 611 ( XXXX ) - Experian is obligated to provide me with the verification details or procedures that were used to confirm the accuracy of the information, which has not been done. 
- FCRA 168Lb - The unauthorized inquiry by XXXX XXXX XXXX XXXX in violation of permissible purposes under this section. 
Despite these ctear violations and my submission of sufficient identification, Experian continues to report inaccurate and fraudulent information on my credit report ' I demand the immediate removal of these inaccuracies. lf Experian fails to comply, I am prepared to take further legal action and report these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am forced to use Money Network as part of California unemployment ( XXXX  ) to receive benefits payments. The mobile app works XX/XX/year> times I try to use it. Most of the time it hangs up on the login screen such that I can not login and access funds. The web app says that my username/ password is incorrect, even though on the 1/10 times that the mobile app does work it is the same username/password used there successfully. I have also reset the password, but immediately get the same error. This has been ongoing for the last 6 months that I have been receiving unemployment benefits. 

Today ( XX/XX/XXXX ) I tried calling their customer service number ( XXXX ) and when I provided the last XXXX digits of my social security number and my birthdate ( coded correctly according to their instructions ) it says it finds no record of me and hangs up automatically. There is no way to contact them to discuss these issues.

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 2024-10-14 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: IL

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

Account name XXXX XXXX  Account # XXXX {$270.00} Account name XXXX XXXX XXXX Balance {$230.00} Account name XXXX XXXX XXXX Balance {$610.00} Account name XXXX XXXX XXXX XXXX {$3700.00} Account Name XXXXXXXX XXXX account # XXXX Account Name XXXX XXXX XXXX Balance Balance XXXX Account Name XXXX XXXX XXXX XXXX account # XXXX Account Name XXXX XXXXXXXX account number XXXX balance {$320.00} Account Name XXXX XXXX account num XXXX balance {$230.00} has violated my rights. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX Transunion and XXXX credit report on XXXX XXXX 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-10-14 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: IL

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

Account name XXXX XXXX Account # XXXX {$270.00} Account name XXXX XXXX XXXX Balance {$230.00} Account name XXXX XXXX XXXX Balance {$610.00} Account name XXXX XXXX XXXX XXXX {$3700.00} Account Name XXXX XXXX account # XXXX Account Name XXXX XXXX XXXX Balance Balance XXXX Account Name XXXXXXXX XXXX XXXX XXXX account # XXXX Account Name XXXX XXXX account number XXXX balance {$320.00} Account Name XXXX XXXX account num XXXX balance {$230.00} has violated my rights. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian XXXX and XXXX credit report on XXXX XXXX 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 XXXX XXXX XXXX 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 2024-10-14 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: WI

Complaint narrative:
XX/XX/XXXX, I contacted the credit bureau Experian to remove an address that is not mine. They replied the address is connected to XXXX accounts which doesnt belong to me. XXXX account in particular is mine which is XXXX they said it was connected to the address which I called XXXX and its not so I sent over documents for that account showing address. Experian refuse several times to file dispute for address on file also they refuse to file dispute for XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you have followed all applicable laws and regulations in your reporting. Therefore, I demand the removal of all negative and adverse remarks associated with these accounts. 

The inaccuracies involve the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Status : Collection with a balance of {$140.00} As you know, it is against the law to report any information that is not proven accurate. I demand that you provide me with concrete evidence of my obligation to the aforementioned accounts. ( If these matters have been properly taken care of, please disregard this letter. ) Please also be aware that I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft. As such, I request that you remove these accounts from my credit report immediately, as they are fraudulent and negatively impacting my credit score. 

If you are unable to provide the necessary documentation to validate these accounts, I expect all negative remarks to be removed from my credit report immediately. Please confirm in writing once these changes have been made. 

Thank you for your immediate attention to this matter. 

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