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

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: eMortgage Funding LLC
State: VA

Complaint narrative:
I originally filed my complaint in XXXX of this year, XXXX but nothing has been done and I am frankly getting very frustrated. The company, EMortgage Funding has made my life a mess. They made promises to get me to sign the contract or proposal that were never kept. I was told by the broker that he would be able to lower my payment and interest rate after 6 months which was a lie. I believe that I was taken advantage of and a victim of predatory lending as well as they made a charge on my credit card which I did not approve for an extra XXXX. I asked for the money back and I never received it. The appraisal cost XXXX and because the appraiser didn't want to go under my house in the crawl space to take pictures he had to come back. That wasn't my problem.I am XXXX and I have to go under there sometimes to reset my furnace. My rate changed right before the closing, I received a call in XXXX this year from the broker and his supervisor asking me to remove the complaints on here as well as the XXXX and that they could do something within 10 days. I received a " bogus '' proposal stating I could have a 4.99 % interest rate but they added XXXX in fees and most of the information on the paper the broker wanted me to sign was not even filled out with the correct information. But then I received a text from him stating he wasn't going to lock in the rate. WHY would I sign that? My credit is a mess now, at the time of the loan it was about XXXX. My house payment went from XXXX app. to XXXX Why did he think this was a good idea??? The only reason I signed was because I believed him in good faith, he was going to fix this. I have lived in my home for XXXX  years what happens to me when I can't make my payments? XXXX people are sometimes signal out as easy targets. I am not going to give up. This is my home. Be careful, most agents are sincere this one was not.

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

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-11-12 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-11-11 00:00:00
Product: Credit reporting 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:
Unauthorized inquiries on my credit report. 

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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX XXXX ( Account Name & Number as shown on your 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 2024-11-11 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: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir/Madam I am a victim of identify theft, I am sending attached my report. There are XXXX accounts opened on my name, they do not belong to me. I disputed these accounts with banks, I am also complaining about them here. 

Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Name XXXX XXXX  Industry Type Commercial Banks Account Number XXXX Creditor Name : XXXX XXXX  Address XXXX XXXX  Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am submitting a formal complaint against XXXX and Experian for inaccurately reporting information on my credit report. Despite their assurances that the data is accurate, it is not, and it has caused significant damage to my financial standing. XXXX is in violation of 15 U.S. Code 1681s2, which requires furnishers to report accurate and complete information to credit reporting agencies. And Experian under 5 U.S.C. 1681e ( b ) regarding their responsibility to ensure maximum possible accuracy of consumer credit information and to remove or correct inaccuracies when documentation has been provided.

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 2024-11-11 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: CA

Complaint narrative:
On XX/XX/year> I informed the credit bureau that I have incorrect and inaccurate information on my credit report regarding XXXX XXXX XXXX XXXX XXXX. I sent supporting documents and have not heard back from them. This item must be deleted because collection company, XXXX XXXX, are requesting that I pay {$160.00}. The question is how much did the collection company pay for this item, I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, delete this item 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish the accounts listed below on my consumer report? 

No. I most certainly did not. 

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section II of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.

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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
My Avant credit card was used many times by an unknown person. It was charged way up past the limit. I dont know what the charges are because my acct is locked out. I called XXXX days trying to get it fixed. I spent over XXXX hrs on the phone. My address and email were changed. Then for the second time Avant took an unauthorized payment of {$550.00} from my checking acct which overdrafted me. My autopayment is {$25.00} a month. They had no right to steal my money. It was all I had left from my XXXX payment from social security. My food money for the entire month plus all my bills. I got no where on the phone to customer care. I can not see my account on their website and it will take XXXX days to get a refund from my stolen " payment ''. I am devastated. I called them for XXXX  days starting XX/XX/XXXX but never got my info corrected online or got any answer why they took my money or why my card was maxed out as I haven't used it since XXXX or XXXX or who changed the address and email. I still don't know how to see my acct online either. The people I spoke to offered no answers. Extremely frustrating and the company was as bad as the person that stole my identity! This should never happen! I am too old to deal with this fraud. Avant did the same thing last month took a payment of over {$450.00} but my XXXX XXXX gave it right back. For some reason they did not refund it this month. I stopped the autopay on the XXXX of XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third attempt to get this item deleted. On XX/XX/year>, I sent the credit bureau a letter requesting that this item be deleted because this item was purchased by a 3rd party debt collection agency, XXXX XXXX XXXX, XXXX. The status is not correct, and neither is the amount correct. The account was paid for less than owed by the third-part debt collector. The question is how much did the collection company, XXXX XXXX XXXX, XXXX pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising y rights because this is clearly a violation of the FCRA section 609 and 611. Therefore, this item must be deleted immediately. This has tarnished 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 explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX & XXXX violations before removal. I have already attempted to invoice for the damages and federal violations but while being ignored by TransUnion I noticed more violation from the reporting and I have up to 2years to complain about all the federal violations from the XXXX XXXX XXXX report, so I have an updated invoice. TransUnion has removed XXXX & XXXX off my consumer report after I complained about being violated which is proof that I was being violated. Under 15 USC 1681n - Civil liability, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my invoice for the XXXX XXXX XXXX XXXX violations attached below and also a marked-up consumer reporting showing the violations.

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 2024-11-11 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: GA

Complaint narrative:
I submitted a dispute in regard to completeness and accuracy of an account on my credit report. They failed to conduct a reasonable investigation. I have to realize the information is still inaccurate and reporting on my report. This has caused high levels of stress and has directly caused XXXX and anguish in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have attempted several times by mail, email and phone to get collection agency to validate the debt they are saying that I owe for XXXX XXXX. They have failed to provide requested information, prove that the debt is mine, they have the right to collect a debt or remove the collection from my credit reports. I have sent in proof as well that the debt could not possibly belong to me and received no response or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed a payment on the following accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.

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