vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: DC

Complaint narrative:
I am filing this complaint regarding inaccuracies and violations in my credit report as provided by Experian. These issues involve medical account information and missing or unverified data points, violating the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Specific Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported with missing or inconsistent data across bureaus. 
Missing telephone number, activity date, and past due amount across different reporting agencies. 
Inconsistent reporting of derogatory account status, account balance, and payment history. 

Issues Identified : Inconsistent Reporting : Data is reported inconsistently across different credit bureaus, violating the 5th point of the Metro 2 compliance standards. 
Unverified Data : Failure to provide a substantiated and valid itemized statement for the medical collection account, as required by the FCRA and FDCPA. 
Lack of Supporting Documentation : No evidence of validation from the creditor regarding the accuracy and timeliness of the reported late payments and collection status. 

Requested Resolution : 1. Immediate removal or correction of all disputed items, including the XXXX XXXX XXXXXXXX medical collection. 
2. Provide documentation verifying the accuracy and compliance of the reported data, including the evidence used to substantiate the reported late payments.

3. Substantiate all claims and provide a full description of the procedures followed during your investigation, in accordance with FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have caused significant harm, including negative impacts on my credit score, denials of credit, and higher interest rates.

I request a response within 15 days. If the requested information is not provided or the disputed items are not corrected, I will consider further legal action.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

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 2024-12-03 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: GA

Complaint narrative:
Please see my hazard and circumstance in the attached document. I am seeking the deletion of the XXXX Account and the removal of the two inquiries and statutory damages for no permissible purpose XXXX XXXXXXXX  trapped me into a Secured Loan application seeking a vehicle for collateral therefore ; Please mandate an EQUAL Credit Opportunity from XXXX in the amount of XXXX secured against my security interest in the company. 

For XXXX please enforce my security interest in the company and provide at least XXXX store credit or relief paid to the beneficiary XXXX XXXX XXXX ; See the attachment for clarification even though the situation is much worse, this is all I had the spiritual energy, physical strength, knowledge, and competency to produce.

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 2024-12-03 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
There are two inquiries listed on my XXXX credit report from Credit Acceptance that I did not authorize. I contacted Credit Acceptance and spoke with a XXXX she told me I need to dispute it with the credit bureau. I did not sign anything, I did not visit a dealership or ask anyone to run a credit report. Please remove immediately if not I will sue Credit Acceptance.

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 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-12-04 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: FL

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. 

I looked at my transunion 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 ). 

XXXX  XXXX Account XXXX, has violated my rights. 

XXXX XXXX Account XXXX, has violated my rights XXXX  XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 non-monetary relief
Consumer complaint received 2024-12-04 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: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Of course the XXXX plan is an absolute cluster right now at the end of 2024 ... but here was have Mohela emailing loan holders- " During periods of forbearance, interest continues to accrue. 

Please refer to the electronic notification, which can be found in your MOHELA account, for specific loan details '' Everyone on the XXXX plan has an interest of XXXX during forbearance. Why send this out? So people freak out and start paying again? 

All questions through their portals have gone unanswered for other topics over the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TOWNE MORTGAGE COMPANY
State: MI

Complaint narrative:
I am currently behind on a loan on a house that I can not sell because it is worth far less than what I originally paid for it, and I truly believe that I was taking advantage of as a first time. Homeowner buy a predatory loan service and was failed by both the mortgage company and the realtors in their fiduciary duties I currently take care of a household of XXXX including XXXX small children and they count on me as a father to protect them, and I just dont know where to start with the current situation I have been Given I have sought legal action to no avail because the realtor companies are completely protected and spoken to the mortgage company and they do not seem to care I am doing this is my last attempt to get my story heard before I go to XXXX XXXX and make all of this public I would appreciate any help that I could get to try to figure out what to do moving forward thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am filing a formal complaint with TransUnion regarding the inaccurate reporting of information on my credit report. Despite multiple disputes concerning these errors, TransUnion has not taken the necessary steps to correct or remove the incorrect accounts. These inaccuracies are severely damaging my credit score and presenting a false picture of my financial standing to potential lenders, limiting my access to credit and financial opportunities. I have reached out to TransUnion and the involved companies several times, but no resolution has been reached. This ongoing negligence is unacceptable and continues to harm my financial well-being.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

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 2024-12-04 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:
Attn : TRANSUNION LLC Arbitration Filing Fees XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear TRANSUNION LCC, I am sending this letter in to request payment for arbitration filing fees with the XXXX and the fee is {$220.00}. Transunion says in the company agreement that they will pay half of the filing fee which would be {$110.00}. I'm filing in reference to my consumer rights being violated or was being violated by the XXXX XXXX, XXXX XXXX, US D OF EDUCATION XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX and XXXX  reporting 's.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am on the XXXX plan and was told no interested would accrue during the administrative forbearance then just got an email today saying that interest is still accruing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ( XXXX XXXX  ) ( XXXX XXXX  ) ( XXXXXXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( 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 non-monetary relief
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a formal dispute to Equifax regarding inaccuracies in my credit report. In my letter, I outlined detailed discrepancies in several accounts, highlighting inconsistencies in balances, account statuses, and other critical data points when compared to reports from XXXX and XXXX. My dispute referenced Fair Credit Reporting Act ( FCRA ) requirements and Metro 2 standards to ensure accurate and fair reporting. I requested a thorough investigation and reconciliation of the disputed items and, if necessary, the removal of unverifiable information to protect my creditworthiness. 

To support my dispute, I included the following documentation : A signed and dated dispute letter clearly articulating the issues. 
A copy of my government-issued identification. 
A copy of my Social Security card. 
A utility bill displaying my current address. 

Equifax 's Response : On XX/XX/year>, Equifax issued a response alleging that the documents I submitted were illegible. This statement was contradictory, as their response simultaneously listed the exact documents I had provided in my initial submission. Despite the detailed and organized nature of my correspondence, including a clear and complete dispute, Equifax seemingly ignored my submission and dismissed it with a vague and inaccurate claim. This approach reflects a lack of diligence and undermines my efforts to ensure that my credit report is accurate and compliant with federal standards. 

I respectfully request that Equifax address this dispute with the seriousness and professionalism it merits, conducting a proper investigation and providing a comprehensive response to each disputed item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: VA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief