vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Refusal to Accept Identity Theft Affidavit and Incorrect Reporting Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their refusal to accept my identity theft affidavit and their continued reporting of incorrect information on my credit report. 

I submitted an identity theft affidavit, which I obtained from the Federal Trade Commission ( FTC ) website, to TransUnion. This affidavit was provided alongside additional supporting documentation to demonstrate that the information in question on my credit report was the result of identity theft. 

Despite my efforts, TransUnion has refused to accept the affidavit, claiming it is invalid. This refusal is both troubling and unjustified, as the affidavit is a standard document issued by the FTC and should be widely accepted as proof of identity theft. Moreover, TransUnion continues to report incorrect information on my credit report, which is causing significant harm to my credit standing and overall financial wellbeing. 

I have tried to resolve this matter directly with TransUnion, but they have been uncooperative. I believe this refusal violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in addressing this issue. 

I respectfully request that the CFPB intervene in this matter to ensure that TransUnion : XXXX. Accepts the FTC identity theft affidavit as valid documentation. 
XXXX. Corrects the inaccurate information on my credit report in a timely manner. 
XXXX. Provides a clear explanation for their refusal to accept the affidavit. 

Please find attached copies of my correspondence with TransUnion, the FTC identity theft affidavit, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

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 2024-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Lennar Mortgage regarding their handling of my mortgage application process. My experience with the company has been fraught with mismanagement, delays, and what I believe to be unfair practices. 

Details of the Complaint : 1. Repeated Misplacement of Documents : On more than one occasion, Lennar Mortgage has misplaced critical documents that we provided as part of our mortgage application. This has caused unnecessary delays and added stress to an already complex process.

2. Unending Contingencies : Throughout the process, Lennar Mortgage has repeatedly requested additional documentation, each time stating that it would be the final contingency. However, after providing the requested documents, yet another contingency is raised. This cycle of one more contingency has continued without clear communication or resolution, leading us to question the fairness and transparency of their practices.

3. Communication Issues : We have also experienced poor communication from Lennar Mortgage, with requests being sent late in the day, and representatives becoming unreachable immediately after. This has made it extremely difficult to address issues in a timely manner, further complicating the process.

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 2024-08-28 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:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- MY REPORTS HAVE MANY INACCURACIES and its starting to affect my livelyhood. The open dates, the payment dates, and the amounts listed are incorrect, unauthorized and SEVERELY INACCURATE. I NEED THESE INACCURATE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO LITIGATE! I mailed my letters out more than 30 days ago and I have yet to hear of any investigation. this is against the laws and violating my rights In accordance with FCRA, Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be Civilly liable for negligent noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- MY REPORTS HAVE MANY INACCURACIES and its starting to affect my livelyhood. The open dates, the payment dates, and the amounts listed are incorrect, unauthorized and SEVERELY INACCURATE. I NEED THESE INACCURATE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO LITIGATE! I mailed my letters out more than 30 days ago and I have yet to hear of any investigation. this is against the laws and violating my rights In accordance with FCRA, Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be Civilly liable for negligent noncompliance

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 2024-08-28 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-08-28 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: FL

Complaint narrative:
I have reported to credit bureaus that this woefully unprofessional and substandard mortgage company completely stopped reporting to credit bureaus as of XX/XX/year>. So, as of today, my account is {$2000.00} higher than what it should be. I must get this rectified asap bc it is adversely affecting my credit score and ability to get certain loan products for my businesses. XXXX XXXX bought my loan from XXXX XXXX  in XX/XX/year> and it has been downhill from there. Its customer service is appalling and I have little to no faith in dealing with them. Company has a litany of poor/bad customer ratings online and is seemingly inept or grossly mismanaged. Very frustrating to have an incorrect credit report with zero explanation as to why they stopped reporting on XX/XX/year>.

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 2024-08-28 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate and Derogatory Accounts on My Experian Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my XXXX credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my Experian credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my XXXX credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately. 

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

Sincerely, 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 2024-08-28 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-08-28 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: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-28 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: PA

Complaint narrative:
This morning, I was shocked to discover unauthorized inquiries on my credit report. I have no idea how they got there. As I routinely check my credit report, this discrepancy completely blindsided me. I even refreshed my browser, thinking it might be a glitch, but the unauthorized entries remained. I'm deeply troubled by this and urgently request that you thoroughly review the documents I've sent so I can have peace of mind once and for all.

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 2024-08-28 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: GA

Complaint narrative:
Account number XXXX XXXX reflects the account is 30 days past due for XXXX. This is incorrect information. The account is not currently past due for XXXX because we are on day XXXX in XXXX. ACCORDING TO THE FAIR CREDIT REPORTING ACT once the account is 30 days late the creditor can report it to the credit bureaus. The XXXX payment is not 30 days late and is, therefore, being reported incorrectly. This account needs to be removed from my credit report! The monthly payment is only {$210.00} and the account shows a past due amount of {$420.00}. The information is incorrect. Below is how it is reflected in the credit report : Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Status Open. {$420.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$420.00} Highest balance {$6000.00} Monthly payment {$210.00} Last payment date XX/XX/XXXX Payment summary ( see how the account is marked as past due 30 days for XXXX ) XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XXXX - - XXXX - - XXXX - XXXX - In addition, XXXX XXXX XXXX continually reports their account incorrectly. I want this account removed from my report! It is reflecting the account past due for XXXX and the month of XXXX has not ended. In addition, they are reporting twice the amount of the monthly payment as past due. The monthly payment is {$840.00}. They are reporting incorrectly! 

The information is incorrect and I want it 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 2024-08-28 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: PA

Complaint narrative:
I am reaching out for your assistance regarding this incorrect account on my credit report. This matter has damaged my reputation, and I need your help. The improper handling of my credit report has left me devastated, and your inaccurate reporting has destroyed my reputation. Please correct these errors so I can have peace of mind 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NY

Complaint narrative:
To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : 1. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

2. XXXX XXXX XXXX  - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

3. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

4. XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

5. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

6. XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$9300.00} XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance : {$7400.00}

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 2024-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>2024 I filed a quit claim deed to revoke power of attorney from M & T Bank but they refuse to drop the auction even tho they don't have any power of attorney over my property..

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