vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on the ongoing issue concerning the late open accounts incorrectly listed on my credit report. This marks the multiple attempt to rectify this matter, which continues to significantly impact my creditworthiness and financial stability. Since I have provided all necessary documentation and followed all procedures to dispute the inaccuracies. Despite assurances from XXXX Credit Bureuas that the matter would be resolved, the late open accoun ( XXXX remain incorrectly reported as late but open on my credit file. The persistence of these errors is unacceptable and reflects poorly on your organization 's commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

Please help me consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. If this issue got failed, I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. Please help me correct these immediately : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX : {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/2024, MR COOPER MORTGAGE stated that the account was accurate, and that you could not make any changes per CFPB complaint number : XXXX. This is not about the validity of this account, but the accuracy in which the account was reported. I disputed an account with this furnisher/creditor, and they overlooked the account 's incompleteness. They are treating me as if I will just allow them to settle for a default response like the account is accurate. MR. COOPER did not consider all relevant information and failed to correct what they had furnished and are not furnishing on my report. They failed to conduct a reasonable XXXX investigation into the matter and the failed to notify the consumer reporting agencies that the account had been disputed per my current XXXX consumer report. This creditor is avoiding accountability and is playing XXXX regarding the situation. Why are creditors taking us so lightly because we pay them? This company is using biased attempts to refute my dispute like XXXX have a payment history with them, and the account is valid ' which is not what the dispute is about. This is about the accuracy and completeness of the report showing on my credit report. The account with MR. COOPER from what I have on record per what is being reported to me directly from the consumer reporting agencies is an incomplete account because it shows too many notations in the payment history section of the account that reads No Data ( ND ). This implies that there is no information where there should be information. Without this information being reported, this account is legally considered as an incomplete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I used to subscribe to a family credit monitoring service by Equifax for many years. Although Equifax was hacked in XXXX, I decided to keep my subscription. 
In XXXX of XXXX, I called customer service and asked for help adding a two-factor authentication step to my login to improve the security of my account. After a long conversation, I was told that Equifax does not offer that feature! I told the representative that even my XXXX email account has that feature! You would expect a credit bureau to have the highest cyber security levels, at least more so than an email platform! I asked the representative to raise my concern with Equifax leadership and get back with me. My concern was never addressed and I decided to terminate my subscription. I can still log into Equifax to manage my credit security freeze, but I have much concern about the security of my account without the two-factor authentication. The other credit bureaus ( XXXX and XXXX ) do have that added security feature, which is appropriate. I think Equifax must improve their online security to meet the modern day cyber threats! I receive notifications from XXXX about cyber breaches that may affect my personal information at least once a month! Every organization is getting bombarded with cyber attacks! It is simply unacceptable for a credit bureau to have lower standards of cyber security than my email account! That's just wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Date : XX/XX/2024 Fair Credit Reporting Act ( FCRA ) Dispute and Opt-Out Notice Dear XXXX XXXX This letter serves as a formal dispute of information on my credit report and an opt-out notice pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681s-2.

Identity Theft Victim : I am writing to dispute information on my credit report due to identity theft. Specifically, the following accounts are inaccurate and should be removed : Third party agencies XXXX XXXX Transunion XXXX XXXX any other third party agencies using my information 15 USC 6802 Restrictions on Sharing Information : Financial institutions ( banks, credit unions, investment firms ) can not share a consumer 's nonpublic personal information with unaffiliated third parties unless the consumer gives written consent. 
Providing Notice : The financial institution must provide a clear and conspicuous notice to the consumer explaining what information is collected, how it's used, and with whom it might be shared. The notice should also detail the consumer 's right to opt-out of information sharing. 
XXXX XXXX has been Sharing my personal information to third parties Legal Basis : 15 U.S.C. 1681c-2 requires consumer reporting agencies to block information identified as a result of identity theft within XXXX business days. As a victim of identity theft, I request the immediate deletion of these accounts. 
Previous Attempts : I have previously attempted to address inaccurate information on my credit report. These errors have caused significant damage to me and my family. 
Request : Therefore, I am requesting the following : Immediate Investigation : A thorough investigation into the disputed information on my credit report. 
Correction of Errors : The removal of any inaccurate or unverifiable information from my credit report, specifically the accounts listed above. 
Opt-Out Notice : I hereby opt-out of any and all authorization, written, unwritten, verbal, or non-verbal, previously granted to XXXX XXXX to share my personal information with third parties, except as permitted by law. 

Incorrect reporting of personal name and Address total inaccuracy in reporting on the credit report directly going against 15 USC 1681. The Inaccurate information must be removed immediately.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/2024 Fair Credit Reporting Act ( FCRA ) Dispute and Opt-Out Notice Dear XXXX XXXXXXXX, This letter serves as a formal dispute of information on my credit report and an opt-out notice pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681s-2.

Identity Theft Victim : I am writing to dispute information on my credit report due to identity theft. Specifically, the following accounts are inaccurate and should be removed : Third party agencies Experian XXXX XXXX XXXX XXXX any other third party agencies using my information 15 USC 6802 Restrictions on Sharing Information : Financial institutions ( banks, credit unions, investment firms ) can not share a consumer 's nonpublic personal information with unaffiliated third parties unless the consumer gives written consent. 
Providing Notice : The financial institution must provide a clear and conspicuous notice to the consumer explaining what information is collected, how it's used, and with whom it might be shared. The notice should also detail the consumer 's right to opt-out of information sharing. 
XXXX XXXX has been Sharing my personal information to third parties Legal Basis : 15 U.S.C. 1681c-2 requires consumer reporting agencies to block information identified as a result of identity theft within XXXX business days. As a victim of identity theft, I request the immediate deletion of these accounts. 
Previous Attempts : I have previously attempted to address inaccurate information on my credit report. These errors have caused significant damage to me and my family. 
Request : Therefore, I am requesting the following : Immediate Investigation : A thorough investigation into the disputed information on my credit report. 
Correction of Errors : The removal of any inaccurate or unverifiable information from my credit report, specifically the accounts listed above. 
Opt-Out Notice : I hereby opt-out of any and all authorization, written, unwritten, verbal, or non-verbal, previously granted to XXXX XXXX to share my personal information with third parties, except as permitted by law. 

Incorrect reporting of personal name and Address total inaccuracy in reporting on the credit report directly going against 15 USC 1681. The Inaccurate information must be removed immediately.

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 2024-05-20 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: NY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-05-20 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: IL

Complaint narrative:
I sent a letters out on XXXX XXXX, XXXX XXXX XX/XX/2024 to Experian, XXXX, and XXXX I have copys of all Letters. However its been more than XXXX  days and the credit bureaus failed to send me my investigation back. This is making any sense. 



According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the AGENCY directly or indirectly through a reseller, of such status the dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notification of the dispute from the consumers or resellers

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 2024-05-20 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: FL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the negative items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint Number XXXX & I am including it again. 
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 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 2024-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove the negative items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint Number XXXX & I am including it again. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XXXX XXXX and XXXX XXXX, I was in contact with Money Lion in regards to a fraudulent account thats being reported on my credit reports. I explained to Money Lion, I am a victim of identity theft and I also provided the proper documents to prove this. I have my police report number along with my FTC report. The FCRA states all consumers has the right to have an and all information or accounts removed off of credit reports due to identity theft. Money lion has done nothing to help with this upsetting process, by money lion reporting false information on my credit report its negatively impacting my overall credit. I will purse legal action if this matter is not fixed. I will be attaching proof of identity along with my police report and FTC report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: KS

Complaint narrative:
According to my research about FCRA 605, 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 XXXX XXXX XXXX XXXX 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 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: KS

Complaint narrative:
According to my research about FCRA 605, 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 XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed 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 XXXXXX/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 2024-05-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently viewed my credit report and see some unauthorized inquiries that are violating my rights according to the FCRA. I have not authorized nor have I received any benefits from any of these inquiries which means they have no permissible purpose to be on my report and they have violated my rights according to Title 15 U.S.C 1681. THIS IS THE SECOND TIME I HAVE ADDRESSED THIS ISSUE FURTHER NON COMPLIANCE WILL RESULT IN MONETARY COMPENSATION THROUGH LITIGATION DUE TO THIS COMPANY NON COMPLIANCE AND NEGLIGENCE. 

INQUIRIES ( 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 response to consumer: Closed with explanation