vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports maintained by Experian , TransUnion , and Equifax . The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and rectify errors promptly. 

XXXX XXXX XXXX Inconsistencies Identified : XXXX. **Account Status** : - All three bureaus report the account status as **Open**, while my records indicate this account should be **Closed**. 

2. **Payment Status** : - TransUnion indicates a **payment status** of **60 days past due**, whereas Experian states it is **30 days past due**. This discrepancy violates FCRA 607, which mandates maximum accuracy in reporting.

3. **Balance Reporting** : - The balance reported as XXXX XXXX XXXX by all agencies is inconsistent with the payment history and overall account management. This is unacceptable under FCRA requirements for accuracy. 

XXXX. **Last Reported Dates** : - The **last reported dates** are inconsistent across the bureaus, further complicating the accuracy of my credit profile. 

Furthermore, I am aware of the recent data breach that affected these credit reporting agencies, compromising sensitive consumer information. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach raises significant concerns regarding the integrity of the information being reported. 

Given these violations, I demand that XXXX XXXX XXXX be removed from my credit report immediately. If these inaccuracies are not corrected within the legally mandated time frame, I will pursue further legal actions, including seeking damages for the harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this.

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 2025-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Movement Mortgage LLC
State: WA

Complaint narrative:
I began working with Movement Mortgage in XXXX of XXXX to secure a HELOC on one of my properties. In XXXX of XXXX they ordered an appraisal of the unit. I paid for an appraisal that had inaccurate facts representing the property. 

The appraisal stated that the unit was XXXX sqft. The unit is actually XXXX sqft. The appraisal stated that the unit had one parking space. This unit actually has 3 parking spaces and is located in an urban neighborhood of XXXX WA where parking is a prime feature of sold properties. Finally comps provided by the appraisal company were dated and not a true match to the type and usage of the unit. This unit is located in a Realestate market that has consistently show appreciation since my purchase date. 

After reviewing the appraisal I requested that a new appraisal was ordered, based on the gross inaccuracies. Movement Mortgage told me that it was best if I completed an appraisal revision. They shared that scrapping an appraisal was not common practice. Per their direction I completed the revision only to learn that it was would not change the original appraisal evaluation and there would be no consideration for the inaccuracies in the original appraisal. 

I do not understand how this was not reconsidered. I feel that the actions of Movement Mortgage were irresponsible and misleading. They asked me to pay for an appraisal that was far from correct and provided no apology or correction for the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: CA

Complaint narrative:
Iq data is the company and when I was first contacted the man I spoke to was extremely rude and told me that I make to much money to have a collections. He was extremely abusive verbally on the phone. I told him to not contact me anymore and he kept calling me sometimes over 5x a week.I hired someone to manage my finances and she asked to get emailed the amount I owed and he never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
I have been a victim of identity theft through the XXXX Equifax data breach and the most recent XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. Collections are illegal according to the FDCPA. Debt collectors have harassed me, added fees to the accounts listed, and much more. Also, I did not allow for the original creditors to share my information to the collectors for the debt. The debt has been sold, therefore, I do not owe this debt to the collectors and will not be paying it. I do NOT have a contract with the COLLECTORS, only the original CREDITORS. THIS IS ALSO HURTING MY CHANCES OF BUYING A HOME/OBTAINING A MORTGAGE. With this being said, I need these collections removed from my credit report immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$340.00} These credit accounts are the results of identity theft and 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. The following account contains errors that I would like investigated and corrected : Creditor Name : XXXX XXXX XXXXXXXX XXXX  XXXX. Charge-off reporting incorrect dates 2. Incorrect balance after charge-off 3. Continuous charge-off reporting past original date 4. Account should no longer be reporting as charged-off The account in question was charged off in XX/XX/XXXX as indicated in the report, yet it continues to show monthly charge-offs throughout XXXX and XXXX. This is incorrect and negatively impacts my credit score. According to the Fair Credit Reporting Act ( FCRA ), an account should not be repeatedly reported as a fresh charge-off each month after the initial charge-off date. 

Additionally, the account still lists an outstanding balance of {$610.00}, which may not be accurate if the debt was sold or transferred to a collections agency. If the balance was paid or settled, or if the debt was sold, the balance should reflect {$0.00} under the original creditor.

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 2025-02-04 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:
When I reviewed my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I regularly check my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a display error, I refreshed my browser, yet the incorrect accounts remained. Because of this, I kindly ask that my submitted documents be carefully examined to ensure I no longer have to deal with this problem.

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 2025-02-04 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: TX

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 explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea why. I regularly check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Because of this issue, I kindly request a thorough review of the documents I have submitted so that I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
i have no clue as to what this it, however since it showed on my report i took action to discharge it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NE

Complaint narrative:
Equilfax is reporting incorrect info on Medical bill collection XXXX XXXX. 
lettis attached and show the evidence of inaccurated info. on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Your company has not done a proper investigation on my consumer report, and I do plan on using case law due to your company being sued right now for improper investigations. I have revoked your company Power of Attorney, so I demand that your company do as I say with my consumer report that I have Power of Attorney over. I have sent complaint on complaint using many laws that govern specifically the FAIR CREDIT REPORTING ACT 15 USC 1681. Please reinvestigate my consumer report and fix all the violations I keep telling your company about. I don't want any account showing any transaction history nor the experiences I am having with the companies, I just want the accounts to be reported as " Updated, Paid as agreed '' as according to 15 USC 1681a. Also, anything to do with education on my report please remove since it's illegal according to the FERPA ACT ( 20 USC 1232g ) and The Privacy Act of 1974. There are many other violations I have already complained about before that need to be fixed still. Please know that according to 15 USC 1681n Civil liability for willful noncompliance and 15 USC 1681o Civil liability for negligent noncompliance your company is in violation of both, and I can hold your company accountable up to a {$1000.00} per violation which I have invoiced multiple times about and even asked for Arbitration Fee Waiver as your company says I can do but no response. If my consumer report isn't fixed the correct way according to the law, I will be holding your company accountable for every violation due to causing me many denied applications that I have proof of, emotional stress and financial hardship.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing today to inform you that I disputed with Experian and Transunion earlier XX/XX/XXXX. I was informed information about the account for XXXX XXXX XXXX it was verified by both agencies I then reached out via online and mail since early XX/XX/XXXX and for XXXX times now received the same responses its verified. So I disagree with the investigation and reinvestigation. I would like to point out that the inaccurate information reporting is violation of my consumer rights. Per 1681s per the FCRA I am entitled to a fair and complete accurate credit report.

The information you claim is accurate DID NOT provide the explanation of calculations for the balance alongside the proper documentation the law states in UCC article 9 section Proper notice of sale and Commercially reasonable sale. Who was notified at the original creditor if they anre closed out of business and why was that information not provided. The payment history is incorrect and inaccurate the balance was last paid on sold be the sale at the private auction in the letter stating in XX/XX/XXXX and it was resold in XX/XX/XXXX as the documents shows when the balance was XXXX. If it was sold at a commercially reasonable price how was it the balance is XXXX. The collection agency also did not provide a judgement or assignment documentation showing there legally allowed to collect on this debt. Another inaccuracy is the payment history stating balance reporting every month and opened on XXXX in XXXX. When last payment was XXXX XXXX this is extending the statutes of limitations which is illegal. Also in around XXXX you have payment status of ND which is causing inaccurate information what does that means was payment made, was payment late? No one knows with that status so how can that be accurate. 

Please due to the inaccurate and false information delete and remove this collection agency is being sued in justice court in the state of Texas. You have taking more then 30 days to correct this error and this is harming my natural way of living.

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 2025-02-04 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: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. s 1681i ), 609 ( 15 U.S.C. s 1681g ), and 604 ( 15 U.S.C. s 1681b ) I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( FTC XX/XX/year> ). 
After reviewing my recent credit report, I have Identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Basis for Dispute Section 611 ( 15 U.S.C. S 1681 i ) states that I have the right to dispute any inaccurate or imcomplete information on my credit report. I request that you investigate these unauthorized inquiries and removed them from my credit report.

Section 609 ( 15U.S.C. S1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. S 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.n

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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I pay 2 weeks ago the amount they told me to pay for my debt from 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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised.

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 2025-02-04 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:
There is incorrect and inaccurate information on my credit report. My TransUnion credit report is reporting an account on my report from XXXX XXXX which is indeed not my account. It's does not report on XXXX or XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with TransUnion plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Acima Close my account I was told I had to email someone to read in my account They also contacted me after I filed for bankruptcy, which is illegal. They are not to contact me after filing a bankruptcy and they contacted me via email.

Company response to consumer: Closed with explanation