vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** Loan XXXX XXXX XXXX with a balance of {$0.00} ( bank XXXX XXXX XXXX XXXX  XXXX a balance of {$0.00}, ( loan ) 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 XXXXXX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, 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 2024-11-06 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) 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 ( ii ) 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 explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I acquired a mortgage of {$380000.00} with United Wholesale Mortgage ( see attached ). In XXXX of XXXX I paid down that mortgage and the outstanding balance was {$51000.00} ( see attached ). 

Unfortunately, I never really paid attention to my mortgage statement but in XXXX of XXXX I did look at it closely and that was when I saw the PMI fee. When i researched and found out its charged when lender assumes a risk. At this point, I start calling UWM to ask why this charge is still being charged since the loan is now only {$46000.00}. I kept getting transferred from dept to dept. That went on for days until I was told I needed to use the portal to communicate to correct dept. I received a letter back on XX/XX/XXXX that infuriated me ( see atttached ). They wanted me to pay {$750.00} for an appraisal of my home since they said it was not available to them. First, do they expect anyone to believe they gave gave me a loan of XXXX without an appraisal? Second, a quick search on zillow shows you the appraised amount. Third, do they really need an appraisal for a newly built duplex with loan amount that is now only XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: VI

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
I Have tried to contact the credit bureaus regarding hard inquiring that are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: U.S. BANCORP
State: CA

Complaint narrative:
I received an offer along with my new credit card for a FREE XXXX membership at XXXX. I signed up, and was charged {$64.00}. US Bank and XXXX both refused to reverse this charge. In addition, US Bank told me that I was not able to dispute this charge. Doesn't the U.S. FEDERAL LAW protect my right not to be scammed by a credit card company 's phony offers?

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 2024-11-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : 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 2024-11-06 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:
Re : Request for Immediate Removal of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report. Specifically, there is an account listed under the name " XXXX XXXX, '' which I am requesting be immediately removed from my credit report as it is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to a credit report that is 100 % accurate and free from fraudulent or erroneous information. The inclusion of this XXXX XXXX account on my credit report is a clear violation of this law. I have previously submitted documents confirming that I am a victim of identity theft and that I never had any contractual relationship with Amerifinancial Solutions, nor do I owe them any money. 

In my prior disputes, I requested the removal of this account from my credit report. I have provided the necessary evidence, including proof of identity theft, yet the account has not been deleted, and the fraudulent information continues to be reported. I also sent a debt validation letter to XXXX XXXX XXXX months ago, to which they did not respond. 

In addition to the fraudulent nature of the account, I have noted discrepancies between the information reported across different credit bureaus. The balance owed on the account varies from one credit report to another. Additionally, the dates of account opening and the date sent to collections differ between the reports. These discrepancies further demonstrate the inaccuracies in the reporting of this account. 

Under the FCRA, all information on my credit report must be accurate and consistent. The continued reporting of this fraudulent account, along with the inconsistencies between the credit bureaus, is a clear violation of my rights. I am requesting the immediate deletion of this XXXX XXXX account from all credit reports. 

Please confirm in writing that this account has been removed from my credit file, as required by the FCRA. Failure to do so will leave me no choice but to seek legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violation of my rights under the Fair Credit Reporting Act. 

I expect prompt action on this matter and look forward to your confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The reason that I contacted your company is because I heard that you have a three week turn around in improving credit scores. 
I contacted my creditors to request that my interest rate be dropped with no avail. I have been struggling since COVID and still trying to bounce back. I have a HUD lien on my home for {$40000.00} due to COVID while I was trying to do a refinance with XXXX XXXX  but they XXXX XXXX  around month after month and then transferred me to XXXX XXXX. My husband has XXXX times 5 years and I am now XXXX  and trying to pull my credit score up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The reason that I contacted your company is because I heard that you have a three week turn around in improving credit scores.

I contacted my creditors to request that my interest rate be dropped with no avail. I have been struggling since XXXX and still trying to bounce back. I have a HUD lien on my home for {$40000.00} due to COVID while I was trying to do a refinance with XXXX XXXX but they XXXX  me around month after month and then transferred me to XXXX XXXX. My husband has XXXX times 5 years and I am now XXXX and trying to pull my credit score up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
Experian XXXX XXXX XXXX Acct # XXXX Reinvestigation request As of XX/XX/XXXX to present, XXXX has reported inaccurate account information including the following ; XXXX the date of first delinquency as XX/XX/XXXX, ( the actual date is XX/XX/XXXX ), XXXX failed to report the date the account open, the date the account closed, XXXX the amount of the debt of {$950.00}, is inaccurate, the alleged amount owed involves XXXX XXXXXXXX Reading of 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 {$380.00}, XXXX. ( the payment history XXXX and the purge date of XX/XX/XXXX is inaccurate, it should be XX/XX/XXXX XXXX XXXX the alleged debt owed is {$950.00}, this is false. XXXX combined the total dollar amount of XXXX medical accounts, {$180.00}, {$380.00} and {$380.00} into a total amount of {$950.00} in order to report the one account due to the one account totaling more than {$500.00}. 
Please delete this account information. I'm requesting a phone call to conference a call with the third-party billing company to confirm the information herein. 
During a recorded call on or about XX/XX/XXXX, XXXX, an employee of XXXX XXXX, assigned to the XXXX XXXX, who specifically handles billing for XXXX XXXXXXXX XXXX XXXX XXXX XXXX  informed Plaintiff that XXXX XXXX billed Plaintiff for the reading of three separate accounts involving XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ; XXXX Reading of 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 2024-11-06 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: OK

Complaint narrative:
I am seeking your help with the account that is incorrectly listed on my credit report. This is damaging my reputation as a customer, and I need your assistance. I would like these accounts removed, as they have been reported inaccurately and in a harmful manner.

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 2024-11-06 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: IL

Complaint narrative:
I used my credit card in the airport and XXXX mins later I received notifications of 10 inquires on my credit reports from all 3 bureaus

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 2024-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the repossession and charge-off entry related to the auto lease with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), currently reported on my credit report. The entry shows a balance of {$8100.00}, and indicates a repossession was conducted in [ XXXX / XXXX  ]. According to UCC Article 9, specifically Section 9-613, a secured party is required to provide the debtor with a Notice of Sale prior to the sale of the repossessed vehicle. To date, I have not received such a notice. As a result, I believe that the repossession entry on my credit report is inaccurate and does not comply with the legal requirements set forth under UCC Article 9, which mandates that the debtor be notified before the sale of repossessed property. In light of this, I am requesting the following from XXXX XXXX or the credit reporting agency : 1.Proof of the Notice of Sale that was sent to me regarding the sale of the repossessed vehicle. 2. The exact date and method by which the notice was sent to me. 3. A copy of the sale or disposition of the vehicle, if the property was indeed sold. Since the repossession and charge-off appear to be in violation of my legal rights under the Uniform Commercial Code ( UCC ) Article XXXX, and since I never received the required Notice of Sale, I respectfully request that this entry be investigated and either corrected or removed from my credit report. Please provide the requested documentation or correct the account information in accordance with UCC Section 9-613. If I do not receive this documentation within the required 30-day period, I will consider this entry inaccurate and will take further action to have it removed. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the accuracy of this information within 30 days. Please confirm the outcome of your investigation to me in writing. I appreciate your prompt attention to 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 2024-11-06 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: TX

Complaint narrative:
I am requesting your assistance with the incorrect account being reported on my credit report. This issue has harmed my reputation as a customer, and I need your help. I want these accounts removed due to their false and negative reporting.

Company response to consumer: Closed with non-monetary relief