vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: TX

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has FAILED TO INVESTGATE AND CORRECT THE ITEMS MENTIONED IN MY COMPLAINT # XXXX DATE XX/XX/year>. 

THIS IS THE USUAL LACK OF RESPECT I GET FROM MY EXPERIAN QUERIES.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.

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 2024-07-10 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: CT

Complaint narrative:
My credit score drops XXXX points in XXXX fell swoop, now after months it embarrassingly rises XXXX point. Not sure to classify this as pathetic or unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: CT

Complaint narrative:
My XXXX XXXX drops XXXX points in XXXX fell swoop, now after months it embarrassingly rises one point. Not sure to classify this as pathetic or unbelievable.

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 2024-07-10 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
On XX/XX/year>, I applied for a mortgage with Fairway Mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The mortgage broker was XXXX XXXX. XXXX was assisted by XXXX XXXX. The purchase of the home was {$360000.00}. The loan was approved and the purchase process began. By the end of the transaction we loss {$150000.00} due to Fairway sharing personal and financial information with a scammer. 

On XX/XX/year>, we began receiving emails from what appeared to be our closing attorney requesting we send the funds for our down payment for cash to close. The email account had been mirrored from our real closing attorney 's office but was apparently a fake account. In the process of the exchange we received wiring instructions with our closing attorney 's, address, account number, and concerning phone numbers. I reached out to XXXX XXXX XXXX  via email with concerns about the phone number and if the instructions were legitimate. On XX/XX/year>, I received a response from XXXX regarding my concerns with the wiring instructions. XXXX responded : '' My guess on the phone number discrepancy is that one is their toll-free number and one is the direct ''. ( We were looking for help. Not a guess. ) Two wires were sent after this email. The wires totaled the amount of {$150000.00}. 

On XX/XX/year>, I received word that our funds had not been received by the closing attorney. At this time we were informed that we had been scammed out of the {$150000.00}. I immediately reached out to the mortgage broker who asked for the emails from the scammers. He immediately informed us that the email addresses the scammers were using were not Fairway mortgages and that none of the emails had been received by him or XXXX. The mortgage broker claimed that no one at Fairway had any communications with the scammers. 

Upon further investigation it was confirmed that XXXX XXXX did in fact answer the email I sent questioning the legitimacy of the wire information. ( With a guess ) Later I was able to gain access to emails showing that Fairway had been communicating with the scammers without us being included in the emails. ( An honest Fairway employee provided those emails ) This after being told that Fairway had no communication with the scammers at all. In all dealing with Fairway caused my family to lose {$150000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: AR

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : TransUnion reports a {$0.00} balance, while XXXX and XXXX report a {$1XXXX balance. 
Inconsistent Date of Last Payment : No date provided by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : XXXX reports a {$0.00} balance, while XXXX and Equifax report a {$17000.00} balance. 
Inconsistent Date of Last Payment : No date provided by XXXX, XX/XX/XXXX by XXXX, and XX/XX/XXXX by Equifax. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TX

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-07-10 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: TX

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2024-07-10 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: MI

Complaint narrative:
I have XXXX XXXX accounts on Transunion and XXXX on XXXX I told XXXX that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk

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 2024-07-10 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: MI

Complaint narrative:
I have XXXX XXXX accounts on XXXX and XXXX on Equifax I told XXXX that addresses on the account wasnt my address where I lived so I couldnt have known credit reporting was going to take place or the account was delinquent so I did some digging I discovered that I NEVER LIVED THERE. XXXX told me that they notified they especially if they were sending the correspondence I couldve made a payment on the primary borrowers behalf if I knew my credit was to risk

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TN

Complaint narrative:
After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : 1. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
2. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
3. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
4. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ).

5. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A 1099-C can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: TN

Complaint narrative:
After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : 1. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
2. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
3. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
4. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ).

5. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A XXXX can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, 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 2024-07-10 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: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-07-10 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: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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