vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
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 2024-11-14 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: NJ

Complaint narrative:
I was a victim of identity theft and My information was compromised in a data breach

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 2024-11-14 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I was a victim of identity theft and My information was compromised in a data breach

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within XXXX  days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of XXXX  days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing.

Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo is currently holding proceeds from my insurance claim in a Mortgage escrow account. Due to a complete loss file we have on XX/XX/year> my insurance company provided a check of {$330000.00} to our name and the name of the mortgage holder Wells Fargo. XXXX XX/XX/year> Wells Fargo issued us a check of {$110000.00} to get started with the rebuild of the house. I have been trying for the past XXXX months to get them to release additional funds in order to continue with the rebuild. I have provided them with details of how the initial {$110000.00} was spent with receipts as well as details of where the additional funds needed will be spent. I have provided Spreadsheets, XXXX Estimates, cost projections and proof of where the rest of the funds will be coming from to complete the rebuild. I keep getting their field inspections denied, because they see XXXX  % progress with the building. I have tried to explain they are not taking into consideration the documentation I have submitted, which includes demolition of the original house, site preparation, land site survey, architectural drawing and services needed, Utility connection fees and temporary services, building permit city fees and flood plain program participation fee 's which all together surpassed the {$110000.00} they provided. The site has been ready to have the Foundation completed and Lumber wood package needs to be ordered and paid for. I will submit to you the XXXX most important documents related to the complaint, but have many for to share if needed. I am current with my mortgage payments and don't understand why Wells Fargo makes this so difficult when all we want to to rebuild and get back into our house. I also do not understand why I can't get XXXX specific case XXXX or contact to discuss this rather I have to keep explaining it over and over to multiple Wells Fargo employees. The only response I get in over regular mail with no solutions. I have had to contract them multiple times with it taking them over XXXX  days to respond by mail. I also have a letter response from Wells Fargo stating that the investor with this mortgage denied the request for release of additional fund or " Exception '' as they call it. I contacted the " Investor '' aka XXXX XXXX and they do NOT show a request from Wells Fargo regarding my request. The lack of attention to my situation is causing me financial hardship as I have not been able to proceed with he rebuild of my home. The funds they are holding are my proceeds of insurance claim, I understand the need to protect the investor, but they are making it impossible for us to rebuild our home with the Wells Fargo method and procedures they have in place. I feel I am being lied to and Wells Fargo has no compassion in my case.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

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 2024-11-14 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: FL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX XXXX / XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX XXXX XXXX prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank 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 2024-11-14 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: LEXISNEXIS
State: MA

Complaint narrative:
I was working with someone in your organization when I got the notice he passed away since then everything is going to XXXX My Investigations were closed got a notification saying or stating documents not mine I have re send all documentation with new letter since Septemeber of XXXX you are in silence never respond emails or calls back I am tired of the run arounds and worse not even mail you send me anymore just calls stating to pay, pay what a debt that is not mine I will ask the cfpb for assitance to help me with this mess the accounts in question are the next 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I took a look at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ) 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. 
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 XXXXXXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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