vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my XXXX credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accounts listed below and their removal from my credit file. I am requesting a thorough investigation of these matters and the removal of the listed accounts from my file within 30 days of receipt of this letter as required by FCRA. To assist with this process, I have enclosed a copy of my identification to prevent any delays in the investigation. Since you have everything you need to investigate this, I will not accept any stalling letter assuming that anyone besides myself have initiated this dispute. I am writing on behalf of myself and without any influence from unmentioned or unauthorized parties. Any response outside of a proper and full investigation into my claim may result in assumption of willful negligence. That may result in litigation. 
Thank you for your prompt attention to this matter. 
Accounts in Dispute : XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Bankruptcy Dismissed o Reference Number : XXXX Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccuracies in my credit report and request an investigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information included in my file. 
Supporting Documents : I have included a copy of my government-issued ID, proof of address, and a copy of my XXXX credit report highlighting the disputed items. 
Requested Action : If the disputed accounts can not be verified as accurate, please remove them from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, provide written confirmation of the investigation results and any corrections made. 
Thank you for your prompt attention. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Credit 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 2024-12-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my XXXX credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accounts listed below and their removal from my credit file. I am requesting a thorough investigation of these matters and the removal of the listed accounts from my file within 30 days of receipt of this letter as required by FCRA. To assist with this process, I have enclosed a copy of my identification to prevent any delays in the investigation. Since you have everything you need to investigate this, I will not accept any stalling letter assuming that anyone besides myself have initiated this dispute. I am writing on behalf of myself and without any influence from unmentioned or unauthorized parties. Any response outside of a proper and full investigation into my claim may result in assumption of willful negligence. That may result in litigation. 
Thank you for your prompt attention to this matter. 
Accounts in Dispute : XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX. XXXX XXXXXXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX Bankruptcy Dismissed o Reference Number : XXXX Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccuracies in my credit report and request an investigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information included in my file. 
Supporting Documents : I have included a copy of my government-issued ID, proof of address, and a copy of my XXXX credit report highlighting the disputed items. 
Requested Action : If the disputed accounts can not be verified as accurate, please remove them from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, provide written confirmation of the investigation results and any corrections made. 
Thank you for your prompt attention. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Credit Report ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accounts listed below and their removal from my credit file. I am requesting a thorough investigation of these matters and the removal of the listed accounts from my file within 30 days of receipt of this letter as required by FCRA. To assist with this process, I have enclosed a copy of my identification to prevent any delays in the investigation. Since you have everything you need to investigate this, I will not accept any stalling letter assuming that anyone besides myself have initiated this dispute. I am writing on behalf of myself and without any influence from unmentioned or unauthorized parties. Any response outside of a proper and full investigation into my claim may result in assumption of willful negligence. That may result in litigation.

Thank you for your prompt attention to this matter. 
Accounts in Dispute : XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX. Bank XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX. XXXX XXXXXXXX XXXX  o Account Number : XXXX XXXXXXXX XXXX  XXXX Bankruptcy Dismissed o Reference Number : XXXX Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccuracies in my credit report and request an investigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information included in my file.

Supporting Documents : I have included a copy of my government-issued ID, proof of address, and a copy of my Experian credit report highlighting the disputed items. 
Requested Action : If the disputed accounts can not be verified as accurate, please remove them from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, provide written confirmation of the investigation results and any corrections made.

Thank you for your prompt attention. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Credit 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 explanation
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach. As a result, I request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$19000.00} XXXX. XXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on 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 explanation
Consumer complaint received 2024-12-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BROKER SOLUTIONS, INC.
State: TN

Complaint narrative:
We started a construction loan with New American XXXX in XXXX of XXXX. When it came time to convert to an FHA loan they suddenly asked for a lock fee that was never disclosed in original loan proposal or the modification proposal. They knew we had no choice but to pay it. There has never been a TILA disclosure provided. They told us about the fee in passing by email a week before closing. Further. Taxes and insurance were incorrectly calculated and we had to get them to make corrections and they are still vastly over stated. Lastly we were told repeatedly there would be no XXXX payment but in reality that payment was made in the modification closing ( that we had to scramble to pay because they told us if we didnt close by XXXX we had to start over ) and again completely undisclosed. Then we log in today to find that they have activated auto pay without consent AND they are indeed drafting our account on XXXX for the mortgage payment. Extensive bait and switch. We are requiring the reimbursement of the undisclosed fee and the included XXXX payment in the closing that was not disclosed. We were told we only were paying interest from the end of the old loan to the new loan. Not the full payment for XXXX XXXX within a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit 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 2024-12-29 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief