vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX and XXXX XXXXXXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: PA

Complaint narrative:
This is really frustrating, I don't know why but it has been so long yet you keep on ignoring my requests to correct this on my credit report, it is already deleted by both XXXX and XXXX and blocked from reporting yet you continue to put this false and inaccurate information on my credit. This is a blatant violation of my rights as a consumer which is really insulting and it's stressing me out.

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 2024-09-20 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: NJ

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
The first issue comes with the escrow account. There was an issue with my taxes to start this year that created a shortage. I have since fixed the issue with the township and it took a couple months for Amerihome to figure out what they were doing wrong on the analysis to XXXX XXXX that I had to search online my public tax records and send it to them in order to get my mortgage payment fixed. I just received an email again that my taxes are doubling which mirrors the issue that we resolved in XXXX this year. If the issue is not fixed by XXXX, then I will again be paying over {$600.00} into my escrow account that does not need to be there. I should not have to worry about this every 6 months, the level of professionalism from Amerihome has been less than ideal. 

The second issue I continue to battle is the negligent appraisal. I paid to have an appraisal done to remove the PMI on my house. It came back way below market and the XXXX changed my house from a XXXX bedroom ( which was what was on the appraisal to get the loan ) due to him not liking the room size even though it had a closet and ample space to be a bedroom. He stated in his report that french doors were not akin to a bedroom. He defended this by saying it has no additional market value being a XXXX bedroom home so calling it a XXXX bedroom had no bearing on the appraisal. I also learned that he was using homes farther out that were of less value than homes closer and alike to my house which was driving down the price of my home to keep the PMI on my loan. In XXXX a house on XXXX XXXX and slightly smaller sold for $ XXXX more than what they appraised my house for which strengthened my case that my house should have appraised for more. I have put over $ XXXX into my house that includes a new room, new flooring throughout, new windows throughout, along with having a piece of lake front property that is included in the loan and deeded to the house. The appraisal stating that my house has only appreciated from XXXX to XXXX from XX/XX/XXXX to XXXX of XXXX does not follow any of the market logic, especially with the amount of money put into the home.

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 2024-09-19 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: TX

Complaint narrative:
I need your support with the incorrect account appearing on my credit report. This matter has harmed my reputation, and I am requesting your help to fix it. The mismanagement of my credit report has put me in a tough spot, and my reputation has suffered. You are required to eliminate the incorrect details from my credit 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 2024-09-20 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: NJ

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
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 2024-09-20 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: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: NY

Complaint narrative:
My account got deactivated on XX/XX/XXXX when I was asked to provide the source of my funds, I uploaded an invoice discussing project expenses. I didn't realize that I had to provide the contract for being able to provide services to my company, so I contacted the relevant team by email and attached my contract but it wasn't affective and I was reported on XX/XX/XXXX that's the final decision but I don't accept this decision because I don't have any activities that violates the acceptable use agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
I am filing this complaint against TransUnion under the Fair Credit Reporting Act ( FCRA ) due to the companys failure to properly verify and provide adequate documentation for the following accounts that I recently disputed. TransUnion has confirmed that these accounts are accurate, but I know the information is incorrect and request further verification under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). 

The accounts in question are as follows : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ISSUE DESCRIPTION I have formally disputed XXXX XXXX, and TransUnion has verified them as accurate. However, under FCRA XXXX XXXX, I am entitled to receive the following information, which TransUnion has not provided : The method of verification used to confirm the accuracy of these accounts. 
Copies of any documents or records used in the verification process. 
The name and address of the furnisher of the information or the original creditor who verified the accounts. 
TransUnion has XXXX  days, as prescribed by the FCRA, to provide this information. If the accounts can not be verified with the proper documentation, I request that they be immediately removed from my credit report. As of today, TransUnion has failed to provide this information within the legal timeframe.

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 2024-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake Financial repossessed my car on XX/XX/XXXX. When the police told me the car wasn't stolen it was repossessed I immediately call them to find out why. They claim I never paid them for 5 months. They say that XXXX XXXX XXXX XXXX and XX/XX/XXXX were never paid. But I did pay them, each of the 5 months. They told me I have to file a dispute with a recovery supervisor and send proof into them. So that's what I did. I emailed all my bank statements over to them showing each payment was made. But they seem to just be disregarding these payments. They're telling me I have pay them the entire remaining balance of the loan off if I want my car back, which is {$24000.00}. They had no right to come and repossess my car to begin with so how can do that and then demand I pay them the full amount of the loan or " say goodbye to my car '' because it will go to auction in 10 days. What they're doing is unethical and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but Pro Collect is reporting this information. This is a violation of Pro Collect Inc. regulations, and 5USC 552 ( a ) ( b ). Provide me with the Pro Collect Inc. compliance disclosure on reporting transactions to a consumer reporting agency. Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Pro Collect Inc and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
All my student loans were to be forgiven, and Navient is refusing me the paperwork that I neednto have my private loan forgiven under the XXXXXXXX XXXX XXXXXXXX case. XXXX XXXX XXXX XXXX XXXX XXXX advised me to request the application and if denied to contact you guys for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AL

Complaint narrative:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-09-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My identity with my social security number and identification number on my state ID was stolen and bank accounts was opened in my name. Loans were taken out and credit cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies to remove adverse information from my credit report despite my status as a survivor of human XXXX, and my previous submission of the necessary documentation in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

As a survivor of human XXXX, I am protected under FCRA Section 605C, which mandates that credit bureaus block and remove adverse credit information related to fraudulent accounts or debts incurred as a result of my XXXX  situation. On [ date ( XXXX ) of previous submissions ], I mailed the required documents, including proof of my XXXX  status and identification of the fraudulent accounts. However, despite complying with all the requirements, the credit bureaus have failed to take the necessary action to block and remove this information from my report. 

The continued presence of these inaccuracies is causing significant harm to my financial recovery, and it violates my rights under FCRA Section 605C. I am requesting the CFPBs immediate intervention to ensure that the credit bureaus comply with their legal obligations and remove the adverse information from my credit 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