vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of Public Records being challenged in list XXXX XXXX  XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion XXXX : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove any address you have in your system that does not match XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MN 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion NAME : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX any address you have in your system that does not match XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX Inquiry : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I sent a dispute to Transunion stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/2023 I followed up with a dispute stating : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Dispute resolved ; reported by grantor. XXXX deleted from my report on my dispute completed XX/XX/2023 but Transunion failed to perform an investigation and delete the disputed inaccurate information. 

In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A states : I have a 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 with out my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am writing to file a complaint against Rocket Mortgage and their agent, XXXX XXXX. My experience with Rocket Mortgage and XXXX XXXX has been extremely disappointing and frustrating. 

I had applied for a mortgage through Rocket Mortgage, and XXXX XXXX was assigned as my agent. However, the loan approval process was delayed for XXXX months despite providing all the necessary documents. During this time, XXXX XXXX did not provide me with clear and timely updates on the status of my application, which caused a lot of stress and uncertainty for me. 

Furthermore, when I tried to reach out to XXXX XXXX for assistance, he was unresponsive and unhelpful. I felt like I was not being treated with the respect and professionalism that I deserved as a customer of Rocket Mortgage. 

As a result of these issues, I am now filing a complaint against Rocket Mortgage and XXXX XXXX. I believe that their lack of communication and poor customer service has caused me significant inconvenience and frustration. 

I urge Rocket Mortgage to take immediate steps to address these issues and improve their customer service. I also request that XXXX XXXX be held accountable for his poor performance and lack of professionalism. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion NAME : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at isXXXX XXXX XXXX XXXX XXXX, MN XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
On XX/XX/2022 there was an auto accident in front of my home and one of the vehicles rolled up on my lawn and struck my vehicle which was parked in my driveway. I received a letter from a company stating that I was financially responsible for XXXX XXXX in damages and that I was responsible for causing the accident. I've contacted XXXX XXXX  company who the debt collectors say they represent but XXXX  has never heard of them, and XXXX informed me that I'm NOT responsible for the accident or any financial claims, as stated on the police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. Experian is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ) violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.

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