vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to report potential violations of the Fair Credit Reporting Act ( FCRA ), particularly under Section 623 ( a ) ( 6 ), concerning inaccurate and unverifiable information reported to credit bureaus. I request the investigations and take corrective action.

Section 623 ( a ) ( 6 ) requires data furnishers to report accurate information and investigate disputed data in good faith. Failure to correct or update inaccuracies is noncompliant with the FCRA. Additionally, under Section 611 ( b ), if a consumer disputes information, credit bureaus must conduct a reasonable investigation and remove any unverifiable data.

I respectfully urge an investigation and ensure compliance with FCRA standards. I expect these inaccuracies to be addressed promptly in line with my rights

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 2024-12-05 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account # XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Summary : The account in question is an installment loan opened on XX/XX/XXXX, now closed with a zero balance and a payment status of " current. '' However, late payments were inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. My records, including bank statements and payment confirmations, demonstrate that these payments were made on time and that no delinquency occurred during these months. 
Violations : FCRA Violations : Failure to ensure the accuracy of reported information under 15 U.S. Code 1681i.

Non-compliance with the 21-day advance statement requirement under 15 U.S. Code 1666b.

TILA Violations : The inaccurate reporting constitutes a failure to provide timely and accurate disclosures as required by the Truth in Lending Act, causing undue harm to my creditworthiness and financial stability.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Written confirmation of the correction to the address provided above. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
I trust that you will address this matter with the urgency it deserves. 
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 2024-12-05 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account # XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Summary : The account in question is an installment loan opened on XX/XX/XXXX, now closed with a zero balance and a payment status of " current. '' However, late payments were inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. My records, including bank statements and payment confirmations, demonstrate that these payments were made on time and that no delinquency occurred during these months. 
Violations : FCRA Violations : Failure to ensure the accuracy of reported information under 15

U.S. Code 1681i. Non-compliance with the 21-day advance statement requirement under 15 U.S. Code 1666b. TILA Violations : The inaccurate reporting constitutes a failure to provide timely and accurate disclosures as required by the Truth in Lending Act, causing undue harm to my creditworthiness and financial stability.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Written confirmation of the correction to the address provided above. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
I trust that you will address this matter with the urgency it deserves. 
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 2024-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
we signed loan disclosures indicating there was no prepayment penalty. The lender came back and said that they will fully implement a 3 month prepayment penalty at a very high interest rate. 

We also applied for 5 lines of credit. The lender came back very late in the process and indicated that they can only issue 4 lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: SC

Complaint narrative:
I discovered several violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws regarding the handling of my credit report and personal information. These issues include the following : Willful Noncompliance : Under 15 U.S.C. 1681n, I believe credit information was accepted and reported about me without proper verification of its accuracy. This constitutes willful noncompliance, which is punishable by civil liability.

Failure to Disclose Opt-Out Rights : Per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), my right to opt out of having my personal information shared was not disclosed to me. This omission violated my consumer rights.

Furnishing Inaccurate Information : Several accounts and inquiries were reported without proper validation, potentially violating 15 U.S.C. 1681s-2. This is deceptive and creates inaccuracies on my credit report.

Unfair Debt Collection Practices : Creditors or collectors engaged in actions violating the Fair Debt Collection Practices Act ( FDCPA ), including harassment and reporting false debts without my consent.

Improper Disclosure of Debt Information : My personal debt information was shared with third parties, violating 15 U.S.C. 1692b, which regulates acquiring location information and prohibits unauthorized disclosures.

Inaccurate Late Payments : " Late payments '' were reported without clarity on what constitutes lateness, violating 15 U.S.C. 1666b, which requires accurate timing and reporting of payments.

Unauthorized Credit Report Entries : Some entries were made on my credit report without my written consent, in violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ).

I provided specific examples of incorrect personal information and unverifiable accounts, such as addresses and accounts listed on my credit report. Ive asked for these to be corrected or deleted under the FCRA and related laws.

These actions have caused harm to my credit standing and personal well-being, and I demand a prompt resolution. If the violations are not addressed, I am prepared to pursue legal remedies under the FCRA and FDCPA.

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 2024-12-05 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: IL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-12-05 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: 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 explanation
Consumer complaint received 2024-12-05 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: 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 ACCOUNTS and 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 ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : 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 2024-12-05 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
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 1681.15 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. Account XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX Account XXXX Kickoff Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX NameXXXX XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX  Account XXXX Account XXXX XXXX XXXX Account XXXX Account NameXXXX XXXX XXXX  Account XXXX Account NameXXXX XXXX  Account XXXX XXXX BANK Account Number re XXXX XXXXXXXX XXXX XXXX. Account/Serial # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number : XXXX XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, 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