vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX and Equifax violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise XXXX and Equifax refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company. 
I found these Accounts being reported in error on my credit profile for XXXX and Equifax : 1. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX 3. XXXX XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 4. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed 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 2024-04-05 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 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: TN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-05 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: NY

Complaint narrative:
CREDIT BUREAU DELETES THE INFORMATION AND THE NEXT MONTH THEY REPORT IT AS LATE. THIS HAS BEEN AN ONGOING ISSUE FOR TWO YEARS LEAVING MY REPORT INACCURATE EVERY OTHER MONTH WHILE THE BANK PRESIDENT SENDS NUMEROUS LETTERS, AND REQUEST TO STOP!!!!!!!!!!!!!!!! Still showing on my credit report. They report every other month what they REMOVE. Again, a letter from BANK PRESIDENT is attached as proof for the XXXX time!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
CREDIT BUREAU DELETES THE INFORMATION AND THE NEXT MONTH THEY REPORT IT AS LATE. THIS HAS BEEN AN ONGOING ISSUE FOR TWO YEARS LEAVING MY REPORT INACCURATE EVERY OTHER MONTH WHILE THE BANK PRESIDENT SENDS NUMEROUS LETTERS, AND REQUEST TO STOP!!!!!!!!!!!!!!!! Still showing on my credit report. They report every other month what they REMOVE. Again, a letter from BANK PRESIDENT is attached as proof for the XXXX time!!!!!!!!!

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 2024-04-05 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: TX

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 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 2024-04-05 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: FL

Complaint narrative:
reviewed my consumer repons and notced wall nad XXXX lale payments on an accoun that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I was awarded my home in the divorce decree. I have been attempting to fulfill the agreement to assume the VA loan since last XX/XX/XXXX. I started with XXXX  Correspondence is only via email and there is no secure portal for sensitive private information ( SPI ). I snail mailed the requested information ( organized and tabbed ). After it was received, I was assigned XXXX XXXX, who I later found out was in Purchase Department ( PD ) not the Assumptions Department ( AD ). He is very communicative and limited by this company. At least, PD had a phone number, person and secured portal with which I was able to easily upload documents We went back and forth with underwriting, constantly adding more forms- which I completed. It is clear underwriting does not know what is needed. I had to RE-send much of the information as the first department doesn't speak with the second department, or share information. After months of this, we finally get to a point that we are scheduled for settlement, and I have the Closing Disclosure for XX/XX/XXXX. Suddenly, my application was transferred back to the Assumptions Department, under the caveat that it will save me money because an assumption will cost me less. It is, in fact, an assumption. I am moved to XXXX XXXX in the AD. He claims to have none of the paperwork because - again, they don't share information. He tries to have me email my SPI because he claims his gmail is secure. I pay to snail mail EVERYTHING to him, again, and then he tells me he received it and it will take up to XXXX  days for the underwriter to review. I asked if it could be expedited given that I have been bounced around. Without notice, I am transferred back to XXXX XXXX as a Purchase and now XXXX wants me to resend everything. I called the VA and found out the required information for a VA loan assumption, and verified I have sent this information to NewRez already - several timesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit score is over XXXX - but NewRez keeps hitting it. I just received notice that my creditscore has dropped to a XXXX because every time they switch me, they hit my credit! I have been making this mortgage payment on time for the last XXXX  months, by myself. Newrez has not advised me that the Escrow Balance is currently {$3400.00}, and that money will be mailed to my ex-husband who has not paid the mortgage since XX/XX/XXXX. This was delayed due to NewRez and now IF this assumption is put in as a " purchase '' ( which is should not ) my closing costs will have increased from $ XXXX in XXXX to XXXX XXXXXXXX in XXXX. I would really appreciate some guidance, as I am so frustrated with the negligence of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/2023, I requested a transfer from XXXX to my simplicity, Citibank card. Apparently it went to a company named XXXX I knew this from the letter that Citibank sent me back stating they sent the money. Nothing they can do when I called they suggested that I call the company which I did and got a letter indicating XXXX that this must be an error because their company does not accept electronic transfers, nor do they accept credit cards because they are an industrial company. Ive been back-and-forth opening up for investigations which close with the same exact letter so I went to the bank and the rep assisted me by calling them and unfortunately it was the same result. I got the fifth closed investigation with the same letter that they paid the company, but the company didnt receive any money because they dont accept electronic transfer. I tried to explain to them that the money is somewhere with Citibank and never left.

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 monetary relief
Consumer complaint received 2024-04-05 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: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 2024-04-05 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: TN

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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