vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief full Accommodation was not applied after i was promised.. 
XXXX XXXX XXXX/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX 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 2022-10-04 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. Please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. Additionally, I am not liable for these accounts for they are littered with inaccuracies so please DELETE these damaging records immediately! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-10-04 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. Please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. Additionally, I am not liable for these accounts for they are littered with inaccuracies so please DELETE these damaging records immediately! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. I have contacted the furnishers and they have agreed to delete these accounts from my file but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnion feels they're above the letter of the law and will not explain their policy. 
So now, please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: IL

Complaint narrative:
I was not made aware of this medical debt & Im very unaware of this debt. This needs to be removed off my credit due to this XXXX XXXX not sending or contacting me regarding this medical debt. They have violated the Law by not Sending me an notice about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
I have accounts and inquiries on my credit report that I didn't apply for.

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 2022-10-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fraudulent Inquires XXXX XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im submitting this CFPB complaint to you today as well as to the Credit reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX submitting this CFPB complaint to you today as well as to the XXXX reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im submitting this CFPB complaint to you today as well as to the Credit reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Wells Fargo for taking adverse action with forethought and malice. 

I sent Wells Fargo a billing error notice ( A copy attached ) via Postal mail which was delivered on XX/XX/XXXX, through Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo reported to XXXX ( Copies attached ) on my consumer report as the Account is 150 days past due. Wells Fargo has not mailed or delivered me a written acknowledgment, nor complied with the appropriate resolution said in 1666 Title 15 or 12 CFR 1026.13.

According to 15 USC 1666a ( a ) REPORTS BY CREDITOR ON OBLIGORS FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

Furthermore, in 15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Wells Fargo is in clear violation of 15 USC 1666 et seq and has now forfeited any rights to collect the amount indicated in the billing error notice. 

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Complaint Closed accounts are being re-reported thus extending the 7 year timeframe for removal. 
They are stating credit debts now remain on your credit for 10 years instead of 7 and refusing to remove the closed accounts that are 7or more years old Refuse to allow one to speak to an " American '' supervisor who understands the how US mortgages, XXXX XXXX XXXX XXXX XXXX  bankruptcy and standard federal credit reporting law. 
Called several times between XXXX XX/XX/XXXX to report discharge of XXXX XXXX debts. They refused to update information with correct states. Instead they re-reported all closed accounts making them current and affecting my score. 
XX/XX/XXXX called to advise my credit score was XXXX XXXX less than the other 2 bureaus and the information was the same on all 3. They advised that 1 account closed in XXXX was the reason ( absolutely does not make sense ). 
I advised them it began when I was seeking mortgage in XX/XX/XXXX and the Equifax credit score was 20+ points different from the others. Now it is XXXX points and I have not had a delinquent account or missed payment since XXXX and I have not collection accounts at all. 
They provide my creditors with the following statements -severe delinquency ( no delinquencies at all ) -mostly pays on time ( only 1 missed pay due to covid in XX/XX/XXXX on 1 account ) - several collection items ( I have none ) I am also part of their class action and I feel this is retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Colorado Housing and Finance is withdrawing money from my escrow account based on false claims of my lack of insurance. 

It began on XX/XX/XXXX, when I received a notice by mail that hazard insurance was purchased for {$2200.00} on my behalf due to a lapse in coverage. I immediately remedied the issue by purchasing a new policy and submitting those documents directly to XXXX  on XX/XX/XXXX. They, in turn, claimed that they had no evidence of my insurance coverage from XX/XX/XXXX, when I purchased my home, through XX/XX/XXXX when the policy ended. So I then submitted that to them as well. 

I was assured by phone that they received the documents and were in fact viewing them, and that I should expect a new escrow analysis to include refund for any unused hazard insurance. However this never occurred, and I have been playing tag with XXXX   ever since XX/XX/XXXX. 

Now it appears that they are very angry with me for filing a formal complaint with you. I can tell because on the same date they responded to this initial complaint, they sent me a letter on XX/XX/XXXX demanding proof of insurance or they will immediately purchase hazard insurance and charge me for it. 

I am attaching this latest communication from XXXX, as well as proof of coverage here in hopes of clearing this up once and for all.

Company response to consumer: Closed with explanation