vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-06 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I am writing to formally request assistance regarding an issue I am experiencing with Amir Home Mortgage. In XX/XX/year>, I applied for a loan modification or foreclosure alternative and was approved with the contingency that I make my XXXX, XXXX, and XXXX mortgage payments, which I successfully completed. I was informed that after my XXXX payment, I would receive the necessary paperwork to finalize the process. 

Unfortunately, I never received this documentation. Despite my efforts to inquire, Amir Home Mortgage did not provide a tracking number or any confirmation that the paperwork was sent. On XX/XX/year>, I received a letter stating that my request for a loan modification or foreclosure alternative was denied due to my failure to return the required documents. This is both incorrect and unjust, as I never received the documents to complete the process. 

To make matters worse, I am now being harassed with repeated calls from the company, asking redundant questions such as whether I plan to keep my home, about my income, other questions that I've been asked numerous time and should be in their system due to no change on my end. This is causing unnecessary stress and confusion, and I believe their lack of communication and accountability has put me in this situation. 

I kindly request your office to investigate this matter and hold AmeriHome Mortgage LLC accountable for their actions. I have fulfilled all my obligations and deserve a fair resolution and appeal in order for them to resolve this matter and correct my credit report due to reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: DE

Complaint narrative:
I am writing to dispute inaccurate information that has been reported on my credit report. I have reviewed my credit reports from XXXX, XXXX, and Equifax, and I have found several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and should be addressed by the credit bureaus. 

Account Information : The accounts are reported as being closed by XXXX and XXXX, but Equifax reports them as open. This inconsistency in the account status makes the information inaccurate and incomplete. 

The status of the accounts is reported as Collection/Chargeoff on XXXX and XXXX, and as Late 120 Days on Equifax. The status should be consistent across all three reports. 

Discrepancy in Dates of Last Activity : XXXX shows the last activity date as XX/XX/year>, while XXXX reports XX/XX/year>, and Equifax lists it as XX/XX/year>. These conflicting dates show that the information is not being accurately reported. 

Failure to Reflect Dispute Status : XXXX and Equifax correctly mark the accounts as disputed by the consumer, but XXXX does not reflect this dispute status. This violates my rights under the FCRA, which mandates that disputed information be clearly marked as such. 
Requested Resolution : I have made several attempts to dispute these discrepancies, but the accounts remain on my credit report with conflicting information. As a result, I am requesting that these accounts be completely deleted from my credit report. I am not requesting updates or corrections to the information ; I believe the accounts are inherently inaccurate and should be removed entirely. 

Actions Taken : I have reviewed my credit reports and confirmed the discrepancies. 
I have initiated a dispute process with the credit bureaus ; however, the issues remain unresolved. 
I am now seeking your assistance to resolve the matter by removing the inaccurate accounts from my credit report. 
Please investigate these discrepancies and remove the accounts from my credit report, as they are not accurate and can not be verified in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: DE

Complaint narrative:
I am writing to dispute inaccurate information that has been reported on my credit report. I have reviewed my credit reports from XXXX, Experian, and XXXX, and I have found several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and should be addressed by the credit bureaus. 

Account Information : The accounts are reported as being closed by XXXX and Experian, but XXXX reports them as open. This inconsistency in the account status makes the information inaccurate and incomplete. 

The status of the accounts is reported as XXXX XXXX XXXXXXXX and Experian, and as Late 120 Days on XXXX. The status should be consistent across all three reports. 

Discrepancy in Dates of Last Activity : XXXX shows the last activity date as XX/XX/year>, while Experian reports XX/XX/year>, and XXXX lists it as XX/XX/year>. These conflicting dates show that the information is not being accurately reported. 

Failure to Reflect Dispute Status : Experian and XXXX correctly mark the accounts as disputed by the consumer, but XXXX does not reflect this dispute status. This violates my rights under the FCRA, which mandates that disputed information be clearly marked as such. 
Requested Resolution : I have made several attempts to dispute these discrepancies, but the accounts remain on my credit report with conflicting information. As a result, I am requesting that these accounts be completely deleted from my credit report. I am not requesting updates or corrections to the information ; I believe the accounts are inherently inaccurate and should be removed entirely. 

Actions Taken : I have reviewed my credit reports and confirmed the discrepancies. 
I have initiated a dispute process with the credit bureaus ; however, the issues remain unresolved. 
I am now seeking your assistance to resolve the matter by removing the inaccurate accounts from my credit report. 
Please investigate these discrepancies and remove the accounts from my credit report, as they are not accurate and can not be verified in accordance with the FCRA.

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 2025-01-06 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: NJ

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-01-06 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ALLY FINCL, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This act contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri identity theft and fraud statutes, including the Missouri Revised Statutes Section 570.223 ( Identity Theft ) and other applicable consumer protection laws. 

It has come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under the FCRA, federal law mandates that consumer consent is a non-negotiable requirement for reporting such information, as outlined in Section 1681b ( a ) ( 2 ).

Additionally, Missouri law provides strong protections for consumers against unauthorized use of personal and financial information. Section 570.223 of the Missouri Revised Statutes prohibits identity theft, including unauthorized use of an individuals information to harm their credit or financial standing. Furthermore, Missouri law reinforces the obligation to ensure accurate and fair reporting of credit information to protect consumers from fraud or abuse. 

I assert unequivocally that I have not provided consent for ALLY FINCL to report any information to my credit report. This lack of consent constitutes a violation of my rights under both federal and state laws and has the potential to harm my creditworthiness. 

I demand that ALLY FINCL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under FCRA Section 1681b ( a ) ( 2 ) and Missouri state law, including Section 570.223. I further request that you investigate and promptly remove any unauthorized information currently reflected in my credit report. 

Failure to comply with this demand within 30 days will be viewed as willful noncompliance and may result in legal action under applicable federal and state laws. Please note that identity theft and fraud are criminal offenses under Missouri law, and I will not hesitate to pursue all remedies available to me to protect my rights.

This demand is made in good faith, with the expectation that you will act promptly to rectify these egregious violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8800.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was in an accident XX/XX/XXXX my insurance company XXXX XXXX provides a pip payment to me and I've been depositing these checks since XXXX I believe the check never came back as fraudulent or already cashed or anything to check always has been good they continuously hold my check for 5 days resulting into late payments overdrawn account and then one of their staff told me it all depends on who you are it's recorded because I called many times I have one employee help me and got my check cleared within a day or two I had one check out of all those checks that I've been getting since XXXX one of those checks has automatically been cleared in 2 days now it's back to 5 days again and I don't get the email that they're going to hold it for 5 days until XXXX in the morning I have all the emails to prove it I feel like I'm being discriminated against because I know somebody else that get payments from the same insurance company but they are of XXXX XXXX I hate to use race but this is the problem that we had with Navy Federal before I just want the same equal opportunity as everybody else that deposit checks that doesn't have any bad standing with their Bank I usually get my checks cleared in 2 days and this has been a problem and I've complained and I'm complained and I'm complained and they told me it all depends on who I am. I will make my deposit before cut off time and then I will not receive a email to like XXXX in the morning stating that they're going to hold my check for 5 days when it's the same check same exact Bank same as that company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation