vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: PA

Complaint narrative:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. XXXX is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-10-26 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: Kovo
State: TX

Complaint narrative:
Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are 2 accounts with self reporting on credit which dont belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Loqbox US Inc
State: TX

Complaint narrative:
Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are 2 accounts with self reporting on credit which dont belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26 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: TX

Complaint narrative:
I do not consent to XXXX  verification and I have a right to privacy and these credit agencies are violating my right as a federally protected consumer.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not consent to XXXX verification and I have a right to privacy and these credit agencies are violating my right as a federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26 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: NY

Complaint narrative:
I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX, account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.

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 2023-10-26 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 am writing to express my utmost frustration and concern regarding the multiple attempts I have made to rectify fraudulent items on my credit file with Credit Bureaus. Despite my continuous efforts to remove these fraudulent entries, they persist, and they are severely impacting my financial standing. 

Over the past several months, I have made numerous attempts to dispute and remove these fraudulent items from my credit file. These fraudulent entries are not only inaccurate but are also damaging my credit score and my ability to secure financial opportunities. Despite providing the requisite documentation, I have received several responses from your bureau indicating that these fraudulent items remain on my credit file. 

I can not stress enough that these fraudulent items are indeed inaccurate and are not associated with my financial history. I have attached the necessary documentation supporting my claim. It is imperative that these discrepancies are resolved immediately to prevent further harm to my financial well-being. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau concerning my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit file. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX  XXXX  XX/XX/2023.

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 2023-10-26 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: NY

Complaint narrative:
I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX XXXX XXXX XXXX  - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.

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 2023-10-26 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: New Century Auto Sales, Inc.
State: OH

Complaint narrative:
Applied for financing XXXX. Seen that there were two additional credit pulls XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which were unauthorized and constitutes as identity theft and fraud. They will not address the matters as I had attempted to several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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 2023-10-26 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: TN

Complaint narrative:
I have reached out to all three credit bureaus regarding the account that is listed below : XXXX XXXX Now this account is open but is not reporting information to each credit bureaus. I have sent in dispute letting each credit bureaus know that the account they are reporting inaccurate information. Each credit bureau has different information that they are reporting. When if the credit bureaus are getting the same information from the same furnisher, then how is that they all have different information. 

I have sent each credit bureau the credit report that shows that each of their credit report is showing different information. 

I have highlighted, sent in a dispute letter and provided them with all the information, and they are still reporting that the information is accurate, and they have updated, and it shouldn't be updated. Because they have not reached out to the furnisher about if the account is accurate or what information that need to be reported.

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 2023-10-26 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: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-26 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the FCRA Capital One has violated my rights.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft.I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I called Ameris Mortgage and ask to have the PMI removed from my mortgage and to send me a current copy of the Commitment and Certificate of Insurance. When this request was first made I was not under the XX/XX/XXXX LTV. I was given the option to make a lumpsum payment to bring my equity to below 80.75 % the current LTV. So upon the next payment I reached XX/XX/XXXX % LTV and again requested the PMI be removed, They are now requesting the $ $ for a new appraisal. The balance on this loan is {$220000.00} from original loan of {$240000.00} on XX/XX/XXXX. Pre-Construction appraisal of {$270000.00}. XXXX XXXX homeowners replacement cost is {$400000.00}. There is no justification for a New appraisal, I begged to have a post construction appraisal done, but they refused and forced us to go with a Pre-Construction appraisal. If a Post-appraisal had been allowed, my equity would have been above the XX/XX/XXXX XXXX and no PMI would have been required. 

They provided me a copy of a Commitment and Certificate of Insurance, But it was for my construction part of the loan for 12 months. I contacted them again and advised this and asked again for the current Commitment and Certificate of Insurance on my mortgage. They then mailed me the PMI disclosure from my Construction loan. I contacted them again and advised thus and they said they could not find and/or provide me a copy of the Commitment and Certificate of Insurance. They instructed me to call XXXXXXXX XXXX XXXX, and ask for a copy and they would be able to provide this to me. They also gave me the phone number. I called XXXXXXXX XXXX XXXX and they advised me that they could not find any PMI Policy under MY Name, My Mortgage Address, or My Loan number. I contacted Ameris Mortgage and ask for all my PMI payments be returned as no policy is in effect. I have been given NO explanation, No help, No return call, No way to talk to PMI Dept as they don't have any phones in that dept., No place anywhere in GA to walk in and talk with any representative in person. It has been alot of dead ends, and NO answers to my very legitimate request. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MD

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 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