vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a dispute regarding the bankruptcy reported on my credit report. However, the credit bureau verified the account as accurate without properly reinvestigating the account. I was informed that the information was reported by XXXX, but this is not accurate. After obtaining a copy of my XXXX report, I can confirm that no bankruptcy is listed. I am attaching a copy of my XXXX report showing they are not reporting a bankruptcy. I have also contacted the XXXX XXXX  XXXX and they advised they do not report ANY information to ANY credit bureau! 

If the credit bureau is unable to verify or validate the information as required by 611 ( a ) ( 5 ) ( A ), I request that this account be deleted immediately. The bureau is already exceeded the 30 to 45 day timeline they have to validate this account.

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 2024-12-04 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in XXXX XXXXthis ordeal began. when I applied for a high profile job and was told my credit was not accessible and it's been ongoing since that latest conversation was on XX/XX/XXXX at XXXX. I am told the same thing each time and when I've. demanded a supervisor they're said the same thing 7 times since XXXX and on the latest call. the first person who answers says there is nothing holding my report or me getting it it's my computer browser and inaccurate information the person or entity is trying to use that's incorrect. to that note after asking and finally getting what they have on file there the one inaccurate by about 7 years to be exact on their personal information they have for me not even what's on my license or anything an employer has sent as information but that's either here nor there really cause when i ask for a supervisor and start/ half to threaten them with lawyers to even get one on the phone. the supervisor all the sudden finds a alert or freeze to explain it and states he go ahead and process its removal and in 24-48 hour, it can be accessed on my profile by me or any entity. however, I've heard that 7times in almost 12 months now latest of which was XX/XX/XXXX around XXXX of which to date nor i OR AN YONE ELSE can get it as promised. now this has caused my reputation in my field to take massive hits, caused me to lose 3 jobs and directly because my profile could not be accessed and as of late countless loans for business cars etc. just in income on the last fiasco a week ago its cvost me a salary of XXXX year before bonus or other gains and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-04 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: PA

Complaint narrative:
ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: GA

Complaint narrative:
The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

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 2024-12-04 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: CA

Complaint narrative:
Reference complaint # XXXX I have submitted numerous disputes in order to have the payment history of the account XXXX XXXX modified or deleted. It is XXXX that your reporting agency is failing to properly investigate my concerns.

So now based on the law 15 usc 1681i ( 7 ) I am demanding you provide me proof of how you verified the payment history. Under that law you are obligated to provide detailed information including ; the name, phone number and address of the person you contacted to validate this information. I will be adding this to my records so I can sue using the case XXXX XXXX XXXX XXXX XXXX XXXX. Based on the law you have 15 days to provide me this information. Or you must delete the account. This is unfreakingbelievable how unprofessional your reporting agency has been.

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 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MD

Complaint narrative:
I have been trying to call Mohela and can't get through to anyone. 

My loans which are currently on the save plan are accumulating interest still. 
Interest accrued {$1400.00} ( this is the combination of accrued interest on both of my loans with Mohela as shown in the attached pictures ). 

I am currently on administrative forbearance on XXXX and am not supposed to be accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened : XXXX XXXX XXXX XXXX These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection reported. The aforementioned account, collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account collection is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account collection is the result of identity theft and fraud.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax continues to report a balance of {$520.00} on my XXXX account which is wrong. this is a debit credit builder account that I closed due to the inaccurate reporting to the three bureaus. Equifax 's reporting of this account AFTER it has been closed has caused me to lose financing due to the reported balance on a account that is closed. They need to remove this immediately as this is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I was alarmed to find multiple unauthorized inquiries on my credit report. Several companies accessed my report without my knowledge, consent, or any application initiated by me. I do not recognize these inquiries and did not authorize them in any form.

This misuse of my personal information is a blatant violation of my rights as a consumer and deeply concerning.

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 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the following medical account that is incorrectly reported on my credit report : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1400.00} Account Status : Collection/Charge-off I have reason to believe that this medical account is either being reported incorrectly or without proper authorization. I dispute the validity of this debt, and I request that you verify the details provided by XXXX. This debt does not belon to me and I am requesting it to be removed from my credit report immediately.

Additionally, I wish to emphasize that, under the Health Insurance Portability and Accountability Act ( HIPAA ), my medical information should be protected and not shared with third-party entities unless explicitly authorized. I ask that you verify whether XXXX has obtained my consent, written or verbal, to report this debt to the credit bureaus. And they have failed to provide proof of such consent or any permissible purpose for reporting, I request that this account be removed from my credit report.

Moreover, I also dispute the accuracy of this account as the information currently available appears incomplete, with no payment history or other relevant details provided.

As per 15 U.S. Code 1681i, if the information can not be verified, it must be deleted. I respectfully request that you investigate this account, and upon finding that it can not be validated, promptly remove it from my credit file. I also request that you send me a written response confirming the outcome of your investigation.

Please provide me with an updated copy of my credit report once this matter has been resolved.

Thank you for your attention to this issue.

Sincerely,

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 2024-12-04 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: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by Flagstar Bank. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with Flagstar, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported balances for my Flagstar account are inconsistent across all three major credit bureaus ( XXXX, XXXX, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements. 

Late Payments : Flagstar Bank has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing. 

I have already made several attempts to dispute these inaccuracies directly with Flagstar Bank by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that Flagstar Bank be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner. 

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.

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 2024-12-03 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: NM

Complaint narrative:
Debt validation according to 15 US C 16 92G I required them to send me a detailed list of history and payments made by me on this account. I want to see the signature that I put on the contract guarantee that I will pay this creditor. Im also asking to see has there been any insurance claim found on this debt? I want proof that they have a chain of title to collect on this 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 explanation
Consumer complaint received 2024-12-03 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: NM

Complaint narrative:
Debt validation according to 15 US C 16 92G I required them to send me a detailed list of history and payments made by me on this account. I want to see the signature that I put on the contract guarantee that I will pay this creditor. Im also asking to see has there been any insurance claim found on this debt? I want proof that they have a chain of title to collect on this 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 explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 2024-12-04 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 : XXXX 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