vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
i have not supply proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX {$0.00}.

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 2024-12-20 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: LA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My cash app was hacked by user and merchant XXXX XXXX XXXX XXXX XXXX their website, who stole {$1300.00} from my CashApp account. They had added many transactions of {$610.00}, {$310.00}, XXXX, XXXX, and XXXX from my bank account to my cash app and sent them over to a XXXX  account that I did not setup before sending money to this account. I had multiple attempts to contact the merchant to give me back all of my money back to my account and with no success, so I then contacted 2 times to dispute these Fraudulent transactions made by this person but for the bank to deny my claims. I have an email copy of the letter denying me my claim and their reason behind why they deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
My mortgage was sold to Mr Cooper ( XXXX ) and the lender has purchased property insurance on the property despite the fact that I have insurance on the property. I have provided them with the insurance documents, which they have confirmed receipt of, yet they have not removed the insurance they purchased on my behalf. I have called repeatedly over the past 4 months, each time being told that they have the proof of insurance on the mortgaged property. Last month I was told that within 5 days they would reimburse ( remove from escrow ) the insurance they purchased on my behalf but it did not happen. I called again today and went through the whole process with them again. I have no confidence that they will reimburse me the money. I dont know if its just incompetence or a fraudulent practice. Ive had one issue after another the this mortgage lender Mr CooperXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 have asked Transuion at least 8 times to remove these two accounts for my report and or prove that they belong to me by way of MY signature on a contract for these loans They can not prove this information ; they just go with what the creditor says w/o proof. 

These collectors have a reputation of attaching things to people that are not true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They can not sure me as it is not my debt, they statue would have been up some time ago also if my debt

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 2024-12-20 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: TX

Complaint narrative:
Credit Report Disputes Unresolved - FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing multiple unresolved credit reporting discrepancies with XXXX, TransUnion, and XXXX. On XXXX XXXX XXXX I sent certified mail to all three credit bureaus, requesting reinvestigation and deletion of inaccurate information from my credit reports. My request was based on my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to investigate and correct these inaccuracies, which is a direct violation of my rights under the FCRA. 

Summary of Actions Taken : On XXXX XXXX XXXX I mailed certified dispute letters to XXXX, TransUnion, and XXXX requesting reinvestigation of erroneous accounts. 
I provided supporting evidence and clearly outlined the inaccuracies in my reports. 
Despite the XXXX response period mandated by the FCRA, XXXX of the bureaus have addressed the discrepancies or provided resolution. 
Issues with the Credit Reports : TransUnion : 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 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 XXXX XXXX XXXX XXXX XXXX  These accounts are not mine, and I have no knowledge of their origin. Despite many attempts to resolve these matters directly with the bureaus, the errors persist on my credit reports, causing harm to my creditworthiness and financial well-being. 

I request the CFPB 's assistance in ensuring the credit bureaus comply with their obligations under the FCRA to investigate these disputes promptly delete and remove any inaccurate or unverifiable information. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
Credit Report Disputes Unresolved - FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing multiple unresolved credit reporting discrepancies with XXXX, XXXX, and Equifax. On XXXX XXXX XXXX, I sent certified mail to all three credit bureaus, requesting reinvestigation and deletion of inaccurate information from my credit reports. My request was based on my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to investigate and correct these inaccuracies, which is a direct violation of my rights under the FCRA. 

Summary of Actions Taken : On XXXX XXXX XXXX I mailed certified dispute letters to XXXX, XXXX, and Equifax requesting reinvestigation of erroneous accounts. 
I provided supporting evidence and clearly outlined the inaccuracies in my reports. 
Despite the XXXX response period mandated by the FCRA, XXXX of the bureaus have addressed the discrepancies or provided resolution. 
Issues with the Credit Reports 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have no knowledge of their origin. Despite many attempts to resolve these matters directly with the bureaus, the errors persist on my credit reports, causing harm to my creditworthiness and financial well-being. 

I request the CFPB 's assistance in ensuring the credit bureaus comply with their obligations under the FCRA to investigate these disputes promptly delete and remove any inaccurate or unverifiable information. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 2024-12-20 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: PA

Complaint narrative:
i filed fraud to IDthief and to cfpb on the below inquires and XXXX and XXXX corrected the issue by deleting and removing this inquires but TransUnion will not delete and remove as requested by cfpb please correct and up date asap below is attached receipt from idthief

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 2024-12-20 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: GA

Complaint narrative:
Since XXXX XXXX XXXX I have sent several written responses to have all inaccurate and none authorized reporting removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  is an account that is not only not mine but they are reporting information that is COMPLETE inaccurate. They are not reporting the same thing on each bureau. They continue to change the information and update on the credit reports and nothing is consistent. Beyond the fact that the account does not even belong to me, they continue to update with different information and backdate dates and change things. They are reporting the account as opened XX/XX/XXXX and the date of last payment as XX/XX/XXXX. This makes zero sense. How is the date of last payment prior to the account ever even being opened? They have failed to produce a copy of any contract. The are showing a charge off on one bureau and late on another. They originally changed the status to charge off on XXXX then backdated the reporting date from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are showing inaccurate payment history and reflecting different information on each credit bureau. The credit bureaus are not holding them accountable for the fact that it is a fraudulent account to begin with and I've already submitted this information numerous times. Originally Equifax deleted the account then without notification suddenly reported the account again with a different status and the balance went from {$8000.00} to {$87000.00}. I have attached a complete summary with all details and all of the inaccurate information that has reported on a chart to prove this creditor has no idea what to report or what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
MY ACCOUNT XXXX XXXX Hope you good Im disputin the debt above under the Fair Debt Collection Practices Act I aint askin for more proof or docs just want you to know I dont agree with this debt The best way to reach me is by text on my cell or email on my cell or computer Monday to Friday between XXXX XXXX XXXX XXXX XXXX Anything else like live calls or voicemails aint workin for me Thanks for understanding One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MS

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I did not apply or sign any loan with this company. I would like for this to be remove from my credit report if they have no info about this account. 

XXXX XXXX TrueAccord account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AR

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a

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 2024-12-21 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: CA

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Our TD XXXX Auto Loan was marked with a late payment. The reason it was late was because we took out a HELOC which would pay off several debts in full, including this loan. I attempted to notify TD XXXX twice in writing and once via phone call that the check was in the mail, they mentioned on the call that they would note the account so it wouldn't be marked late. It now shows a late payment on our credit reports even though the check has been cashed and the loan paid off. 

When we called, we spoke to XXXX to and they acknowledged and said it wouldn't be marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.

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