vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: MA

Complaint narrative:
XXXX. XXXX is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, XXXX, XXXX credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit XXXX by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXX XXXX and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,

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 2024-09-03 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: MA

Complaint narrative:
1. XXXX is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, 2, XXXX credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit score by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXXXXXX XXXX and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I received a hard inquiry on my credit report on XX/XX/2024, I didn't apply for a new credit card. the credit report shows a hard inquiry by XXXX, XXXX XXXX : XXXX XXXXXXXX XXXX. I called the number to XXXX and they were not helpful at all and referred me to identity theft and they told me to contact Transunion. Transunion told me to contact you to get an FTC 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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery keeps harassing me. I've told them.to.stop calling often.when.i do.answer they don't say anything and just hang up. When I block them they call from many numbers. I've told them 3 times stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
I am submitting this complaint to your company because there is a late payment on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-09-03 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: NY

Complaint narrative:
I am submitting this complaint to your company because there is a late payment on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
I have a solar loan that was originally through XXXX, formerly known as XXXX. I am in the process of selling my house and the loan contains a clause that permits the assumption of the Loan by a qualified third party, subject to the conditions set forth within the agreement. An agreement conducted and executed in accordance with the TILA. I was sent an Assumption form from XXXX on XX/XX/XXXX. The form was completed by my XXXX  and returned on XX/XX/XXXX. We never heard anything back from XXXX about the account. The XXXX XXXX attempted to get access to the account and was unable to get into the account on XX/XX/XXXX. I reached out to XXXX to attempt to identify and resolve the issue to discover that on XX/XX/XXXX my loan was transferred to a different company, the day before my assumption information was sent to me. I reached out to the new company handling my account, Concord Servicing. Concord Servicing handles the account for a company called XXXX, but there is no way to call the XXXX company according to the Concord Servicing call center. After asking Concord Servicing to send an Assumptions packet so we can start the process for the second time, now with the correct company, I was informed that " XXXX has decided to not allow any Solar loan to be assumable. '' In my opinion, this refusal to permit the loan assumption constitutes a breach of contract. There has been multiple attempts to contact and resolve this issue both by phone calls and emails from myself and my real estate team handling the sale of my home. Every time we call we are told to send an email and that they will reply within 7-10 business days. They will not attempt to escalate anything and they will not open the email box and look at any communications that are sent to them. I was told the wrong email address twice during this process. Started Calls to this company on XX/XX/XXXX and emails started on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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 did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2024-09-03 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: PA

Complaint narrative:
As of the latest information available, this collection account with XXXX XXXX XXXX has been successfully removed by both XXXX and XXXX, and it is imperative that my credit report remains accurate and consistent across all three major credit bureaus. 

I have the right to ensure that the information on my credit report is factual and up-to-date. The discrepancies between the credit reports from Equifax and the other two major credit bureaus are causing undue harm to my credit standing and financial reputation. I request that Equifax takes immediate action to delete this collection account from my credit report, as it has already been confirmed as inaccurate and has been removed by the other credit reporting agencies. 

In addition, this is a formal cease and desist letter barring Equifax from continuing to publish this incorrect information on my credit report. This also means that this account has to be deleted because a credit report serves a communication medium as well as stated in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NJ

Complaint narrative:
Hello and good day, this is really stressing me out - this inaccurate item you keep reporting on my credit report has already been DELETED by both XXXX and XXXX and have been blocked from reporting, yet you are still putting a " Charged off '' payment and a " Account legally paid in full for less than the full balance. '' remark which is absolutely false and a blatant violation of my consumer rights.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-09-03 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-09-03 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: TX

Complaint narrative:
THIS INFORMATION DOES NOT BELONG TO ME. IT AHOULD BE REMOVED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
THIS INFORMATION DOES NOT BELONG TO ME. IT AHOULD BE REMOVED IMMEDIATELY. 

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 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Valon Technologies, Inc.
State: MA

Complaint narrative:
My mortgage was transferred to Valon Mortgage company in XXXX of last year and my monthly statements reference a bankruptcy that was satisfied and discharged in XXXX. This bankruptcy did not include the property to which Valon is servicing the mortgage on. I requested Valon to remove the statement, citing the above reasons and that the bankruptcy was closed over XXXX  years ago. I was told it could not be removed : OUR RECORDS REFLECT THAT THE LOAN HAS BEEN IMPACTED BY A BANKRUPTCY FILING. THIS MESSAGE IS BEING SHOWN FOR COMPLIANCE AND INFORMATIONAL PURPOSES. 
IF YOU RECEIVED A DISCHARGE IN A BANKRUPTCY, ANY PAYMENTS MADE BY YOU, ON THE LOAN, ARE VOLUNTARY. AFTER A BANKRUPTCY DISCHARGE IMPACTING THE LOAN, ANY INTEREST IS LIMITED TO THE PROPERTY ONLY, AND NOT YOU PERSONALLY. THE INFORMATION CONTAINED IN THIS COMMUNICATION IS NOT AN ATTEMPT TO REVIVE PERSONAL LIABILITY ON A DISCHARGED DEBT OR TO COLLECT A DEBT FROM YOU PERSONALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The late payments listed are not aligned with my regular payment patterns.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed inaccurate reporting on my account. This account is hurting my ability to obtain credit. I understand that Equifax will investigate this account for me to ensure accuracy. I am asking you to verify this as accurate : XXXX  XXXX XXXX is reporting that my truck loan account was charged off XX/XX/year>. However, I would like to clarify that I fully paid off my truck loan in XX/XX/year>, and the account was closed in XX/XX/year> with a status of " Paid or Paying as agreed. '' XXXX  XXXX XXXX never contacted me about any outstanding payments after settling the loan. 

To support my dispute, I have enclosed copies of my past credit reports showing the correct account status and the online bank statement for my truck loan account, which demonstrates a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the reporting of a collection account from XXXX that is currently listed on my Equifax credit report. This account was removed from my XXXX credit report on XX/XX/year>, after it was determined to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax delete this account from my credit report to ensure the accuracy and integrity of the information being reported. 

The FCRA mandates that credit reporting agencies must report only accurate and up-to-date information. Since XXXX has already verified the inaccuracy of this collection account and subsequently removed it from my credit report, I request that Equifax take the necessary steps to correct my report by deleting this account. 

I have attached a copy of my XXXX credit report, showing the deletion of the XXXX collection account as of XX/XX/year>. I kindly ask that you investigate this matter promptly and confirm the removal of this account from my Equifax credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and confirmation of the deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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