vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Last week I realized my credit score had dropped well over XXXX points. After reaching out to XXXX and experian today XX/XX/year> they informed me they had not received any information from XXXX  about my account in the past 6 months. Therefore I no longer had a credit score which I presume led to the drop in my score. I called XXXX  and after over an hour on the phone we confirmed that I was unable to obtain my report from XXXX. They insisted that they were correctly reporting the information to the agencies but the agencies insisted XXXX  is not reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This 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 I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MI

Complaint narrative:
I am writing to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CA

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 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. I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists DEPT OF ED/XXXX XXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXX balance. {$5500.00} DEPT OF ED/XXXX XXXX balance. {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account 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
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account 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
Consumer complaint received 2024-09-18 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: MA

Complaint narrative:
I am once again reaching out to your company to look through these accounts that are affecting my credit scores in a way where I find it almost impossible to apply for another loan. These are inaccurate and were not reported with full accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not true, I was not late on ( Month, Year ), I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately.

After doing so please provide me with an updated credit report reflecting the changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In XXXX, I got behind XXXX mortgage payments and when I had the funds, I sent them to the lender, M & T Bank. They returned XXXX payment and who knows what they did with the other. However, during this time, they mailed me paperwork to complete. Unfortunately, just a few short months after I began this process with them, COVID led to my husband being out of a job. We were extended relief during that time. 

I have around XXXX e-mails sending information, following up, asking for assistance. Every time I sent something complete, they wanted something else. And would not accept payments. XXXX XXXX is their representation and they began foreclosure proceedings, but when I reviewed, they had errors in the filing AND I never received an XXXX XXXX notice. XXXX kept delaying and ultimately withdrew until XXXX. In XXXX of this year, the house was to be foreclosed. I engaged an attorney and filed XXXX XXXX bankruptcy. He took it upon himself to withdraw the stay- I have no idea what he did but he told me well bankruptcy won't help you, you didn't make mortgage or trustee payments. I had not been properly informed of the process ; he led me to believe payments would not begin until the creditor hearing, which HE delayed. I furnished him all the information. Now, I have no idea the status ; the paperwork from XXXX makes NO sense. 

I don't have the money to be hiring attorneys and loan modification specialists. I have tried, since XXXX and through XXXX to attempt resolution. I had income to cover the mortgage then. Fast forward to XXXX when my husband was unable to work XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Unfortunately I was unable to work myself at one point due to XXXX XXXX issues and court dates etc. 

I think from the beginning M & T did not handle any of my requests, even though they kept sending me packets to complete etc. I HAVE talked to another attorney to sue the last one and take action against XXXX. I personally want an advocate to help me get a loan modification. They kept announcing on their website, and sending correspondence about automatic forbearance and COVID really muddied the water. I am a newly XXXX  mom of XXXX children with my elderly mother living in the home. Foreclosure would displace XXXX families.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
My goal has been set on completion of XXXX  has been placed on hold, and I'm only XXXX XXXX  away. Due to falling victim to XXXX XXXX XXXX, while the pandemic was taking place they falsely reported to my credit on numerous occasions. I called to file complaints both with the company and the credit bureau and for them to provide proof that my account is current, but after proof was provided they still falsely reported to my credit report stating that I owed money while I was in school, even during the forbearance process when all loans was on hold. They impacted my life due to my credit scored dropping tremendously and for instance my credit cards limit were cut in half or more and I have to put my dream of completing XXXX  on hold due to there negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$180.00} Date of Account : XX/XX/XXXX I do not recognize this account and believe it was placed on my credit report without proper authorization. Therefore, I request an immediate investigation and removal of this account from my credit report as required by law.

Legal Reference : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and supported by precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX ), I request a thorough investigation and removal of the unauthorized collection account from my credit report. This jurisprudence highlights the obligation of creditors to conduct reasonable and accurate investigations when a dispute is raised, and failure to do so can be considered a violation of the FCRA.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, creditors and collection agencies are obligated to report accurate information. If the disputed account has been reported inaccurately, this must be corrected immediately, and a full investigation should be conducted as required by law.

Furthermore, under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, debt collectors are prohibited from using any false or misleading representations when attempting to collect a debt. I believe the disputed account has been presented in a misleading or incorrect manner on my credit report.

I would appreciate it if all collection efforts were suspended until proper validation has been provided. This will ensure that any further action complies with the law and is based on accurate and validated information.

I expect to receive the requested information within 30 days of your receipt of this letter in accordance with my rights under the FCRA and FDCPA. Thank you in advance for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These unfamiliar inquiries on my credit report is really concerning. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened as I did not applied to them and it's causing me a lot of stress and 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 2024-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to discuss a modification on this Home Equity Line of Credit but they will not do so with me. 
I'm XXXX XXXX XXXX, from a poor family, and I worked for years to get enough money to buy this house. It's all I have in this world. 
Now Wells Fargo calls and threatens me. They are going to sell my house right from under me, leaving me on the street! 
How can this be allowed?!! 
I can afford to make smaller payments monthly. But what I do not want is for all of the payment to go into their pockets. 
I've already paid them tens of thousands of dollars- more than {$46000.00} or so on a {$65000.00} bill. But all but {$3000.00} went in their pockets and I still owe {$61000.00}! 
There has to be a way I can pay down this debt without this lining of their greedy pockets! 
This is why I have filed this complaint. 
It's negatively affecting my health and I can not get a good night 's sleep! 
Please help. 
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 2024-09-18 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: NY

Complaint narrative:
When I checked my credit report this morning, I was stunned to see inaccurate accounts, and I have no idea how they appeared. I check my report regularly, but these discrepancies suddenly popped up. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The incorrect accounts remained there, and because of this, I am requesting that the documents I've provided be reviewed thoroughly so I can have peace of mind moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
I was checking my consumer report and saw serval inquires i did not recognize

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