vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

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 2024-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: OK

Complaint narrative:
I filed the original complaint on XX/XX/XXXX in regards to the lack of communication from the loan officer resulted in the refinance not closing. On XX/XX/XXXX, Flagstar Bank provided a letter recognizing their communication failure and would reimburse me for the appraisal and additional insurance fees that resulted from the refinance process. I have made several calls to the office of XXXX XXXX at Flagstar Bank to inquire about the refund and after leaving voicemails each time I have not received a call back. I tried to email XXXX XXXX this evening, ( I was guessing what her email would be based on other Flagstar Bank employees emails ). As of XX/XX/XXXX, I have not received the refunds originally promised due to their lack of communication.

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 2024-11-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-13 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: FL

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-11-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not believe the information being reported on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint narrative:
I have been making payments for almost 20 years ( multiple servicers, selling one to another ), and last year the servicer Great lakes sold the loans to Nelnet, and my payment History shows 0 payments! They did not transfer my payment history. I am in Forebearance at the moment because I am not getting any income and for that reason, I don't have any current payments but how about all the previous years!? They need to put that in. 
In addition, their calculation of interest is absolutely extreme and very unclear. Since I went into forebearance this year, they have made it accrue {$3600.00}. I need a clear view of how this is calculated and accrued in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent XXXX Letters to XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. 

I informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

On each response to these XXXX letters, I received an automated response from XXXX stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

They have not done their investigation and are in violation of my consumer rights.

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 2024-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent XXXX Letters to XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. 

I informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

On each response to these XXXX letters, I received an automated response from XXXX stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

They have not done their investigation and are in violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I have sent XXXX Letters to Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. 

I informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

On each response to these 4 letters, I received an automated response from Experian stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

They have not done their investigation and are in violation of my consumer rights.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: CA

Complaint narrative:
I have never open credit with this company that put me on collection. There in Texas and I only owned a home in XXXX. I have never been in Texas all my life in XXXX 
Company - credit system intl # XXXX Account # starts with XXXX I only have this. 

Date - collection date XX/XX/year> in the amount {$320.00} I spoke to this company several times and told them that I dont owed this. They called me several times and they said they will review. But suddenly I am in collection. Dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: DE

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
Complaint Details : This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, including TransUnion, investigate and correct inaccurate information on consumer credit reports. Despite multiple requests, TransUnion has failed to remove fraudulent inquiries from my credit report, and my report continues to reflect addresses and phone numbers that do not belong to me. 

Background of Dispute and Negligence by TransUnion : Due to identity theft, my credit report includes numerous fraudulent inquiries, incorrect addresses, and phone numbers that are not associated with me. I have contacted TransUnion on multiple occasions, provided evidence of my actual contact information, and formally requested that they remove these erroneous entries. I have also submitted the following information to aid in the investigation : My correct phone number : XXXX My correct address : XXXX XXXX XXXX, XXXX, NJ, XXXX My correct email : XXXX Despite my efforts and compliance with TransUnion 's documentation requests, the fraudulent inquiries and incorrect information remain on my report. This negligence has caused severe financial hardship, including denial of a {$25000.00} personal loan from my bank, XXXX XXXX XXXX XXXX, and various car loan applications from other institutions, all of which now reflect on my report as soft inquiries.

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 2024-11-13 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: AR

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.

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 2024-11-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.

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 2024-11-13 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: SC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number  : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief