vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : XXXX XXXX Equifax 's Noncompliance with Final Rule XXXX ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
i have incorrect hard inquiries and collection accounts on my report that are not mine and the result of id theft. I have asked the XXXX bureaus to delete them, and they have not after repeated asks by me.

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 2024-04-07 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:
i have incorrect hard inquiries and collection accounts on my report that are not mine and the result of id theft. I have asked the XXXX bureaus to delete them, and they have not after repeated asks by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Credit bureau name TransUnion Credit bureau To Whom It May Concern : I sent a request for investigation under FCRA 611 ( a ) to Transunion on XX/XX/XXXX letter was sent ) in reference to the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified the information and would like to receive physical documentation to support this erroneous information FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Transunion has been reporting unverifiable an inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 
Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. 
Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 
I am asking for this verification because my credit score is important to me, and I believe it unjustly degraded as a result of this unfortunate error. I would therefore request that yo send me a template letter in response to this request. I am in the process of planning a need specific answers to the specific questions asked of you in this letter. 

I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers won their case against the bureaus wue to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors ' word. I have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the question permanently expunged from my record. 


Regards. 

XXXX XXXX XXXX XXXX A DISPUTE LETTER

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 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
In XXXX I paid off the balance to the XXXX apartments and with the help of CHAP when I moved out. 2 months after I moved out they put this balance of {$1300.00} that I have no knowledge of I paid off my balance now this is on my credit in collections. Also paid everything with a money order so I dont have proof unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-04-07 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, And XXXX XXXX XXXX has violated my rights. 



15 U.S.C. 1681s-2 ( 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 is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.

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 2024-04-07 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: NC

Complaint narrative:
XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove it

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 2024-04-07 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: NC

Complaint narrative:
XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CO

Complaint narrative:
Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?

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 2024-04-07 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Against Experian 's Noncompliance with Final RulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Experian has refused to block the items in my credit report that are directly linked to human trafficking. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX trafficking, in accordance with the XXXX XXXX. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXXXXXX XXXX XXXXXXXX

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 2024-04-07 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: MI

Complaint narrative:
There is a charge off account on my credit report that should not be on there this is hurting my credit I ask that you please re-investigate this matter in this removal this from my credit report please an thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Dispute : XX/XX/XXXX I purchased a flight through a merchant for {$2200.00}. I cancelled within XXXX hours, they agreed to refund me. Billing cycle passes, no refund, I dispute the amount with Citi bank stating the above. 

Citi Bank launches investigation and merchant responds saying they agree to a refund of {$1700.00}, an amount less than the dispute due to merchant 's fee. I agree to this amount, so as to not prolong the refund and Citi Bank sends first letter stating they will watch my account and work on my behalf if the refund the merchant agrees to does not populate. They remove the chargeback and wait for the merchant to refund on XX/XX/XXXX. 

I call dispute center XX/XX/XXXX asking about the merchants refund as it has not posted. They respond stating they can not move forward due to no evidence a refund was owed, even though the merchant put the refund email in the response. I speak to a supervisor on XX/XX/XXXX and she states that I just need to send them the same proof the merchant already sent them. I send them the same refund email XX/XX/XXXX and they reopen the dispute XX/XX/XXXX, stating they will work with the merchant and merchant bank to obtain the credit of {$1700.00}. 

XX/XX/XXXX they give up on trying to obtain the credit due to no response from the merchant. 

I call XX/XX/XXXX requesting a second chargeback on the merchant for the agreed upon refund of {$1700.00}. 

Citi Bank responds XX/XX/XXXX stating they are giving up on getting the credit due to no response from the merchant. 

It has now been XXXX billing cycles. The merchant has not responded or provided the agreed upon refund. Citi bank has agreed they owe me a refund, but has not taken the request seriously to chargeback the agreed upon amount and deliver me the refund they claimed they would help with. This amount of money is very large, and they have not tried to rectify the situation in any way, allowing the merchant to get away with not providing the refund that Citi Bank agrees they owe me. They preemptively canceled the first chargeback with no guarantee the merchant was going to keep to their word, then have no allowed them to get away with stealing from me {$1700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 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: CL Holdings LLC
State: TX

Complaint narrative:
Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TN

Complaint narrative:
I am filing this complaint because the company XXXX XXXX XXXX is committing fraud. They are intentionally reporting false information on my consumer reports. They have already been notified and refused to cooperate in accordance with the FCRA. They are in violation per 15 USC 1681s-2 ( a ). I have contacted the CFPB by phone XX/XX/year>, and was instructed to contact the FTC for fraud regarding these circumstances. Both a representative of the FTC and CFPB agreed with my claim of fraud being committed by another company for intentionally reporting misinformation in my consumer report upon review of the documents I initially submitted to the CFPB supporting my claim. It was stated by the agent from the CFPB that the account associated with the company XXXX XXXX was " fishy '' based on the disputes I made to have them rectify the erroneous items they furnished on my report. I was instructed to file with the FTC for fraud because of XXXX XXXX knowledge of the erroneous inaccuracies and their refusal to rectify the information being reported to the consumer reporting agencies and so I did. Block and remove this account for intentionally reporting false and inaccurate information on my credit reports to damage my reputation and assassinate my character. Block and remove this account. This account is associated with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I spoke with XXXX XXXX of Mr. Cooper, who currently services a mortgage on my primary dwelling, and inquired about refinancing a rental property from another mortgage company since they no longer did mortgage financing. We talked at length regarding my needs, he verbally inquired about the property in question, and gave me ballpark numbers regarding interest rates as well as equity available for a cash out. I told him specifically, on the recorded conversation of Mr. Cooper 's requirement, that I wanted a written explanation of everything that we talked about before I make any decisions regarding any type of application nor commitment. To date, nothing has ever been received. To date, however, on the XXXX he has sent me 4 emails regarding applications and made phone calls to follow up, but I have not responded. I also received a notice about my credit report being pulled without my verbal or written authorization, dated XX/XX/24. I should have known better than to trust a business with a XXXX score of XXXX.

Company response to consumer: Closed with explanation