vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-30 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:
I recently discovered several inaccuracies on my credit report and took immediate action to address them. Specifically : Late Payments Misreported During COVID-19 : XXXX accounts, XXXX and XXXX, are inaccurately reporting late payments, even though under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors were obligated to report accommodations accurately during the pandemic. Ive requested these accounts be updated to reflect paid as agreed/never late. 

Unverified Debt : An entry from XXXX XXXX appears on my report, and Ive requested validation under 15 U.S.C. 1692g. They must provide original documentation, including contracts or agreements bearing my signature, or delete the item per 15 U.S.C. 1681e ( b ), which mandates 100 % accuracy. 

Unauthorized Hard Inquiries : There are several hard inquiriesXXXX XXXX, and XXXXthat lack permissible purpose as required under 15 U.S.C. 1681b ( a ) ( 2 ). I have demanded their deletion for violating federal law. 

Incorrect Personal Information : My report lists outdated and inaccurate addresses ( e.g., XXXX XXXX XXXX and XXXX XXXX XXXX ), which are not current or relevant. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax has a legal obligation to investigate and correct these inaccuracies within 30 days. The law requires thorough investigations as highlighted in cases like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Any negligence in addressing these disputes could result in liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance.

Ive requested an updated credit report reflecting all corrections and expect detailed documentation of the investigation process as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Failure to resolve these issues may lead me to escalate the matter with regulatory authorities or pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
I paid to get my credit repaired but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
This is a response to complaint ID " XXXX '' In that complaint I wrote My wire of {$27000.00} was blocked from leaving on XX/XX/XXXX. They closed my account on XX/XX/XXXX and said they would need XXXX days to send me a check from my closed account. After a complaint to OCC they responded with Upon receipt of your inquiry, a thorough examination of our records and the circumstances surrounding our decision to terminate your account was completed. Per your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. Based on the way the account was being utilized, we are no longer able to service you as a customer ; therefore, your account has been closed. Our position on this matter remains unchanged. Our records show there are no remaining funds due to you. You can view your Deposit Account Agreement here or you can obtain a copy by speaking with a banker in a branch, by calling the phone number on the back of your Citibank Banking Card, or by calling XXXX ( XXXX ). Our records show that the wire in the amount of {$27000.00} requested on XX/XX/year>, was cancelled because your account was blocked. They claim I am owed no funds, but my wire transfer amount of XXXX was blocked from leaving the account. That is my money that I have not been able to access. 

Since then they have requested that I " During our conversation you also indicated that deposits were made into the account in which you did not receive funds for. We ask that you can reach out to the makers of your check deposits and have them file claims with their bank, to attempt to have the funds recalled. 
" I have attempted to recall the funds through the makers of the checks, but their banks have informed me that since the checks were " authorized '' by the makers of the checks and that the checks cleared with no problem that this is out of their hands and it is up to Citi to return my funds.

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 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
There was a XXXX account made under my name in XXXX of XXXX. This was not made under my discretion nor did I open this account. I have disputed this multiple times with my bureaus but only my XXXX account has completely taken this off my credit. I have been with XXXX  for years now under my fathers account since XXXX and was switched to my own account under XXXX in XXXX of XXXX and currently still have them.

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 2024-12-30 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: VA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2024-12-30 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: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-12-30 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: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

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 2024-12-30 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$15000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I requested the method of the Bankruptcy verification with experian on XX/XX/2024, for an item disputed under the fair credit reporting Act 611 15 USC 1681 i, the source ( s ) of information used to verify disputed information, documentation, and evidence supporting the verification process supporting the verification, and detail explanation of your verification process, on XX/XX/2024 Experian responded and it had been verified, no other explanation. I gave them supporting documentation that the US BANKRUPTCY COURT XXXX DOES NOT VERIFY, OR HAVE A RELATIONSHIP WITH ANYONE TO VERIFY ACCURACY.

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 2024-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am contacting you to express my ongoing concerns and to file a formal complaint regarding persistent issues with the XXXX  analysis and mortgage payments managed by your company. As a 100 % XXXX veteran, I am exempt from property taxes in the state of XXXX XXXX status that has been valid since XX/XX/XXXX. 

Previously, I submitted the necessary documentation to demonstrate my tax-exempt status on XX/XX/XXXX, which included my tax bill showing a {$0.00} amount due for the remainder of the year. After several communications, my mortgage payment was corrected to the appropriate amount of {$1700.00} for XXXX, as determined by the earlier XXXX  analysis. However, a new issue has arisen with the recent XXXX  analysis performed by your company. 

In this latest analysis, property taxes of {$7400.00} were incorrectly added back into my XXXX, leading to an erroneous increase in my scheduled mortgage payments starting XXXX. I have repeatedly informed your company of my tax-exempt status, yet the improper charges continue to be applied, which not only contradicts the state law provisions but also the documentation I have provided numerous times. 

This mistake has been causing significant financial distress and has contributed to us falling behind on our mortgage payments since XX/XX/XXXX. It is imperative that a corrected XXXX  analysis is conducted immediately, which should reflect my exemption from property taxes and adjust the mortgage payments back to the correct amount of {$1700.00} for XXXX and onwards. 

I request your immediate attention to rectify this error by conducting a new XXXX  analysis and adjusting the mortgage payments accordingly. It is crucial that your company addresses these issues promptly to prevent further financial harm and to ensure compliance with the legal benefits I am entitled to as a XXXX veteran. 

Thank you for your prompt response to this serious matter. I look forward to your swift action to resolve these ongoing issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
My husband I bought a XXXX Hyundai XXXX XXXX XXXX XX/XX/XXXX we have a lot of problems with the car asked for a buy back from Hyundai and turned in a foramal complaint, we tried to trade the car its reporting incorrectly on our credit file that we had a Kia deqent on the loan, is all a lie we bought Hyundai its financed with Hyundai of America never been pat on any pmt, my 4 th pmt is due on the XX/XX/XXXX, the car is a lemon, weve asked for a buy back, as soon as I turned in the formal complaint the miss reporteing started! Its runined our credit kept us from buying another car!

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names are as listed XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX XXXX 


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information i

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names are as listed XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information i

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX has reported an open balance of {$1400.00} without prior contact or knowledge. I reached out to the agency and they would not provide me any information concerning the account. But continued to state that I must pay or they will take legal action. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid information and is preventing me from being extended credit. This has violated my rights 15 U.S.C 1681 section 602 A. The FCRA allows 30 days for this to be rectified, please remove this account from my consumer report and please provide me with a free updated copy of my 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