vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: TN

Complaint narrative:
Hello the credit bureau is a company that not government agency is just a regular business and our consumer live that get equal fair treatment like other who should or shouldnt pay extra depend on that company violate they allow other 3rd party to report consumer information that should be allow and privacy and the credit company only allow to report information that receive from consumer reporting agency but if they only report what information they receive from the consumer agency then they are many information that shouldnt be there so they violate my privacy because they are reporting information illegal against the law from other company that give them without any verification and damage the consumer because every violate report in the consumer they get paid by bank institutions to charge more interest and not approval many other equal opportunity than other the more they report inaccurate the worth consumer worthless become and sell ur information to bank because they knew they false report damage to be able to approval consumer credit so bank can then allow u to credit from them no choice and impose a ridiculous higher interest over the credit bureau dirty tactic they intentionally damage the consumer report to make money instead being fair n equal for everyone if they report what informion off from a consumer report agency why was many more information was reported that illegal and information that consumer agency doesnt allow to report but they have those information so they allow other company than consumer agency to add those info that damage the consumer creditworthiness they team up with big bank to intentionally report many information that consumer agency doesnt allow to charge more interest Wow that team work from company credit bureau and lender work today to fraud consumer who they can make money from innocent consumer if consumer report doesnt even have credit bureau exist why consumer financial live is control by just a random company over consumer life and they knew it and yet take advantage reporting info that damage the consumer credit score and not allow consumer to the equal benefits as many

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 2024-07-15 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: TN

Complaint narrative:
Hello the credit bureau is a company that not government agency is just a regular business and our consumer live that get equal fair treatment like other who should or shouldnt pay extra depend on that company violate they allow other 3rd party to report consumer information that should be allow and privacy and the credit company only allow to report information that receive from consumer reporting agency but if they only report what information they receive from the consumer agency then they are many information that shouldnt be there so they violate my privacy because they are reporting information illegal against the law from other company that give them without any verification and damage the consumer because every violate report in the consumer they get paid by bank institutions to charge more interest and not approval many other equal opportunity than other the more they report inaccurate the worth consumer worthless become and sell ur information to bank because they knew they false report damage to be able to approval consumer credit so bank can then allow u to credit from them no choice and impose a ridiculous higher interest over the credit bureau dirty tactic they intentionally damage the consumer report to make money instead being fair n equal for everyone if they report what informion off from a consumer report agency why was many more information was reported that illegal and information that consumer agency doesnt allow to report but they have those information so they allow other company than consumer agency to add those info that damage the consumer creditworthiness they team up with big bank to intentionally report many information that consumer agency doesnt allow to charge more interest Wow that team work from company credit bureau and lender work today to fraud consumer who they can make money from innocent consumer if consumer report doesnt even have credit bureau exist why consumer financial live is control by just a random company over consumer life and they knew it and yet take advantage reporting info that damage the consumer credit score and not allow consumer to the equal benefits as many

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK

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 2024-07-15 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: NY

Complaint narrative:
reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK

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 2024-07-15 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: TN

Complaint narrative:
Hello the credit bureau is a company that not government agency is just a regular business and our consumer live that get equal fair treatment like other who should or shouldnt pay extra depend on that company violate they allow other 3rd party to report consumer information that should be allow and privacy and the credit company only allow to report information that receive from consumer reporting agency but if they only report what information they receive from the consumer agency then they are many information that shouldnt be there so they violate my privacy because they are reporting information illegal against the law from other company that give them without any verification and damage the consumer because every violate report in the consumer they get paid by bank institutions to charge more interest and not approval many other equal opportunity than other the more they report inaccurate the worth consumer worthless become and sell ur information to bank because they knew they false report damage to be able to approval consumer credit so bank can then allow u to credit from them no choice and impose a ridiculous higher interest over the credit bureau dirty tactic they intentionally damage the consumer report to make money instead being fair n equal for everyone if they report what informion off from a consumer report agency why was many more information was reported that illegal and information that consumer agency doesnt allow to report but they have those information so they allow other company than consumer agency to add those info that damage the consumer creditworthiness they team up with big bank to intentionally report many information that consumer agency doesnt allow to charge more interest Wow that team work from company credit bureau and lender work today to fraud consumer who they can make money from innocent consumer if consumer report doesnt even have credit bureau exist why consumer financial live is control by just a random company over consumer life and they knew it and yet take advantage reporting info that damage the consumer credit score and not allow consumer to the equal benefits as many

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I started the process of applying for a loan assumption with Mr. Cooper in XX/XX/XXXX. Originally, I was given the incorrect email ( XXXX ) to send all of my documents/SS # /personal information to. I followed-up with that email on XXXX and XX/XX/XXXX but never heard back from them. Eventually, I found out from my previous lender that it was a different email I needed to send this stuff to, which was XXXX. I re-sent all of the required documents/forms to that email on XX/XX/XXXX. I followed-up with them on XX/XX/XXXX and at that time I didn't receive any status. Finally, I follow-up on XX/XX/XXXX with their customer service and they could only tell me that my application was denied for missing documents. They could not and would not tell me which document ( s ) I was missing. They would not allow me to speak to the loan assumption team. They would not let me speak to a manager. I was never contacted about my loan assumption application by a loan officer or even informed that it was denied. Customer service simply told me to apply again. Furthermore, during all this time, they failed to inform me that my loan number changed and they suddenly changed my address on file to a home that I lived in two houses ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

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 2024-07-15 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: MD

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

XXXX, XXXX, and TransUnion have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

Experian, XXXX, and XXXX have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data. 

I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner, that would be better. 

My ONLY ADRESS IS XXXX XXXX XXXX XXXX XXXX MY CORRECT NAME IS : XXXX XXXX XXXX XXXX XXXX XXXX THE INCORRECT PERONAL INFORMATIN BELOW. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I opened a new checking account with Upgrade.com ( which is underwritten by XXXX XXXX XXXX, I think ) on XX/XX/year>. I have been actively using the account. For example, I just transferred {$20.00} into the account from XXXX XXXX XXXX. But suddenly, out of the blue, on XX/XX/year>, I received an email from the bank that my account has been suspended. No reason was giving. I requested them to provide a reason for their locking my account. No reply has been received from them so far. 

The kind of randomly suspending/locking accounts is beyond unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I have called and talked to XXXX XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.

Company response to consumer: Closed with explanation