vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX & XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX FIN Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 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: CA

Complaint narrative:
I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged : XXXX XXXX  - XXXX XXXX XXXX  - XXXX Listed below are the Public Record that are being challenged : Bankruptcy - Federal - XXXX Listed below are the Inquiry that are being challenged : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX Listed below are the Public Record that are being challenged : Bankruptcy - Federal - XXXX Listed below are the Inquiry that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.

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 2024-03-18 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
i noticed my creit score dropped by XXXX points and i called XXXX and said that i had XXXX hard inquires on my account. I did not authroize4 these transaction. and i would like them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The company charged me from last year as I reported that the card was lost in mail. 
I am requesting them to provide me compelling evidence/documents as I must present this with my lawyer that the chargeback to prove the transaction was valid or otherwise contradict the chargeback as I reported to them that my card was stolen and compromised. 
Attached is a police report that our mail was stolen. 
I am a victim of identity theft, and I did not make or authorize this charge. 
I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have reached out to Experian to get a copy of my credit report but they continue to refuse to provide it. 

According the Experian, they are not able to verify my current address. However, I have uploaded copies of my current driver 's license with my current address on it, and have also uploaded a copy of current utility bill at least seven different times directly in their web-site 's upload page to no avail.

I have call Experian several times, but every time they say the same thing. I need to upload my driver license and a copy of a utility bill.

According the the CFRA, it is my right to have access to my credit report and they continue to deny me this right. 

I have uploaded copies of the information provided to Experian.

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 2024-03-18 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
Received letter dated XX/XX/year> that mortgage being transferred to CrossCountry Mortgage XXXX XXXX XXXX 
Sent payment to new service address on XX/XX/year>. 
Payment returned to my bank account on XX/XX/year>. 
Resent payment to new service address on XX/XX/year>. 
Payment returned to my bank account XX/XX/year>. 
Resent payment to new service address on XX/XX/year>. 
Monday XX/XX/year> - Called phone number XXXX on transfer letter to get more information about loan transfer and why payment being returned to my bank account. 
Automated service with no option to speak with a human/person. 
Not able to resolve the issue of payment not being accepted. 
XX/XX/year> - I setup login information to website for loan servicing. 
No additional information on website and no way to contact/email customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX processed a home insurance policy without my permission. The company mailed the uncashed check in the amount of XXXX dollars back to Mr. Cooper mortgage as instructed. Mr. Cooper than verified on my phone call they received the uncashed check on XX/XX/XXXX of 2024. I was told by the Mr. Cooper insurance dept not worry they would credit the payment back to my account within XXXX business days which was Friday XX/XX/XXXX. When i called them today they said THEY REISSUED THE XXXX PAYMENT BACK TO INSURANCE COMPANY I DID NOT WANT INSPITE OF RECIEVING THE CHECK BACK BY THE INSURANCE COMPANY, IN SPITE OF SEEING THE EMAIL I HAD SENT TO MR. COOPER SHOWING THE THE POLICY CANCELLATION! I am a retired veteran who gets XXXX dollars A MONTH IN SOCIAL SECURITY AND I WORK PART TIME. Mr. Cooper now has me escrowed for XXXX INSURANCE COMPANIES! I want them to return my money asap! This is blatant disregard for my requests. You can reach their insurance company phone number at XXXX The check number peoples trust insurance company sent back to Mr. Cooper is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with TransUnion for XXXX of my XXXX XXXX accounts that the information shows last updated XXXX. This is third account with same problem that creditors confirm they regularly update and the errors are TransUnion. That same day, I made the final, large payment on a family vacation on a credit card WITH NO LIMIT. I believe and the facts support, TransUnion has acted in a discriminatory manner towards me and outside regulations and policies. TransUnion DROPPED MY CREDIT SCORE BY MORE THAN XXXX POINTS OVER THE LAST DAY. It is ONLY TransUnion and there have NO other changes. I contacted TransUnion by live chat and telephone, repeatedly asking for a supervisor. The representatives are RUDE, unprofessional, and can not be understood. I was refused transfer and disconnected XXXX times. The other XXXX previous disputes filed with TransUnion regarding seriously outdated information were within last few months and again, were determined TransUnions errors and failures to correctly update accounts with information they were provided. In addition to the above, I notified TransUnion of a recent swarm of solicitation, from debt consolidators and loan offers, a minimal dozens a day, and after demanding from several how they obtained my information, THE VARYING COMPANIES INFORMED TRANSUNION PROVIDED THE INFORMATION. This is very suspicious since the problem began shortly after the DATA BREACH WITH XXXX XXXX, that I was notified as a victim, and TransUnion was the company offered to provide enhanced security. I have worked very hard to establish my credit worthiness and always act with the highest level of professionalism and respected when engaged in customer relations. This situation is completely unacceptable and is fully supported by compelling facts. The credit bureaus are responsible for the publics most sensitive information and is the direct factor in an individuals financial security and stability. This problem is ONLY with TransUnion. It is shocking that American personal and financial information is managed and related by OVERSEAS REPRESENTATIVES. The risk is substantial and it is shameful to not require XXXX based representatives when many are not employed and substantial time and resources is exhausted complaining about XXXX. The government needs to step up and regulate these companies! It is incomprehensible that the credit bureaus are now permitted to collect subscription fees and generate revenue offer third party credit cards, implying a potential benefit and financial incentive.

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 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Applied XXXX sent XXXX to l service they set on it for month sent it back and put down forbatrence so they called it and now dayn we didnt do. We have the original paper work was sent to us and a person they sent had different papers. And never received a copy while the ones we received in the mail with tabs to sign in our hand still. Asked XXXX provide us to papers we signed sent email to us and missing papers from what we have also we I called asked about the XXXX XXXX I believe XXXX XXXX ( very disrespectful ) spoke to didnt have as answer for it told me to call me right back this time didnt say he was on a recored line proceeds to XXXX the free money was gone and when was I making a payment ect I ask about the money tells me with a laughter its gone still faint get a answer called Texas they say they work with forbearance all the time. So. This comp at is crooks I asked for my mortgages papers I assigned also. Said give them 24hours. I Have documentation please help!!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!

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 2024-03-18 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: PA

Complaint narrative:
I am writing you this statement to delete the following information provided on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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