vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
TransUnion Consumer Solutions and XXXX XXXX XXXX XXXX received My FTC Report and other documents regarding my Consumer Report. But also this is not only my first time but at least 3rd time reaching out to them regarding the information on my credit report. They had 10 Calendar days to remove this information this time around after giving them multiple inquires about the information on several occasions with nothing done. 

TransUnion Consumer Solutions : XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX, balance {$4500.00} - XXXX XXXX, balance {$3500.00} - XXXX XXXX, Balance {$0.00} - XX/XX/XXXX And also from XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, Balance {$250.00} - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX, balance {$0.00} - XX/XX/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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To my knowledge, I have not signed any documents authorizing your organization to view my credit history.

Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my reques

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
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 XXXX. 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 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Sent in documentation required to release insurance funds to XXXX XXXX protector, a subsidiary of Freedom Mortgage for an insurance loss. 

Documents were provided to me by Freedom mortgage on XX/XX/XXXX describing the requirements of the process. An inspection was completed by Freedom mortgage on my property on XX/XX/XXXX, and the project was at XXXX percent completion per the inspection. The total project cost was XXXX. Basic arithmetic gives you XXXX. XXXX XXXX protector sent me an initial draw of approximately XXXX. XXXX would be the difference. I have sent in all documents in a timely manner well before XX/XX/XXXX. 

On XX/XX/XXXX, I contacted proctor loan protector for an update. I spoke with XXXX, who advised me they would only be providing me with approximately XXXX XXXX  of the approximately XXXX total in proctor loan protectors possession. They advised that " they only send a percentage of the funds provided by the insurance ''. This contradicts the documents sent to me from Freedom mortgage which state " Freedom Mortgage Corporation will release additional funds based on the percentage of work complete. Work completion will be verified with an inspection. '' I have don't the inspection. The work is XXXX percent complete. The remaining funds should be released to me. They are directly contradicting their own process which was provided to me in writing on Freedom Mortgage letter head. 

On XX/XX/XXXX, on a recorded phone call, XXXX, who refused to give her location, gave me contradictory information once more regarding Freedom Mortgages process and rules regarding this process.

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 2025-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing to address a serious issue regarding the reporting of my mortgage account ( Account Number : XXXX ). Its been brought to my attention that my payments for several months are inaccurately showing as late, when in fact, Ive always paid on time. 

Specifically, the following months : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> should all be marked as OK or Paid as Agreed. There is no excuse for these mistakes, and they need to be corrected immediately. 

The fact that these late payments are showing on my report is not only incorrect but also a violation of my rights under federal law. To be clear : 15 U.S.C. 1681a-2 requires that credit reporting agencies ensure the accuracy of the information they report. These inaccurate late payments are a direct violation of that law.

Under 15 U.S.C. 1681c-2, I am entitled to have these inaccuracies investigated and removed within 30 days. You have had more than enough time to address this, and I expect it to be corrected immediately.

15 U.S.C. 1681b holds you accountable for reporting only accurate information. Its clear that my payments were on time, and your failure to reflect that is both negligent and unlawful.

At this point, theres no more room for error. I expect you to update the records to show that I made timely payments, as I always have, and remove any references to missed or late payments from my credit report.

If this is not corrected immediately, I will be filing complaints with the FTC, CFPB, and pursuing legal action for failing to comply with the law. Im giving you 5 business days to get this fixed.

I expect written confirmation of the correction within 4 days. This issue needs to be resolved, and I will not accept anything less than the accurate reporting of my payment history.

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 2025-01-02 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard pull on Experian XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX Requested : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this
information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-02 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: WA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-01-02 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: FL

Complaint narrative:
Good day I recently reviewed a copy of my credit report. I found numerous incorrect late payments on my credit report.These late payments are fraudulent please remove them off my credit report. 

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
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I do not have an account nor contract with Mercantile. I was emailed today XX/XX/year> and was threatened regarding an account for an outstanding debt that I do not owe. I do not have a contract with this company and believe my data has been sold illegally and without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
My information was compromised in a data breach and I now have inaccurate information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: SC

Complaint narrative:
This company did not send me a 1099c form before placing this negative entry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
I sent a request to XXXX and XXXX about this debt with Jefferson Capital Systems for XXXX. I have not had sprint for over 20 years and the debt was paid under a bankruptcy. They have put this on both reports from XX/XX/2024 as if this is a new debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am unable to sign into my Experian account because someone stole my identity and changed the email and phone number on my experian account. Experian customer service has not been able to help me recover my account. I absolutely despise the monopoly that these credit reporting agencies have. Experian is the absolute worst reporting agency out of all of 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 2025-01-02 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 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  Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Violation of Rights Under 15 U.S.C. 1692g Failure to Provide Proof and Proper Investigation Dear Sir/Madam, I am writing to file a formal complaint against TransUnion, XXXX XXXX XXXX XXXX and XXXX XXXX for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Specifically, I am requesting the Bureau 's intervention regarding the following accounts : XXXX XXXX XXXX. 

Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Date Updated : XX/XX/XXXX Pay Status : In Collection High Balance : {$4300.00} Credit Limit : {$4300.00} Past Due : XXXX $ XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : XXXX days ( XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Charge-Off Balance : {$3400.00} ) Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$150.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$4800.00} Credit Limit : {$3400.00} Issue Summary : These creditors ( XXXX XXXX and XXXXXXXX XXXX ) and their collection activities , including TransUnion reporting, have failed to provide the requested XXXX and investigations related to the above accounts, which I believe are in violation of my rights under 15 U.S.C. 1692g, specifically the failure to provide verification of the debt and proof of the debt owners right to collect it. 

I request the following : Detailed Payment History : A full, detailed list of all payments I have made toward these accounts, including dates, amounts, and transaction references. 
Contract Signature : A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the creditors and authorizes them to collect this debt from me.

Insurance Claims : Proof that any insurance has been filed or applied to these accounts, and details of any insurance settlements if applicable. 
Proof of Chain of Title : Documentation showing the chain of title for the debt and proof that the current creditor or debt collector has the legal right to collect this debt, including assignment or transfer of the debt.

I have made multiple attempts to request this documentation from the creditors directly, but to date, I have not received any verifiable information in accordance with my rights under the Fair Debt Collection Practices Act. Therefore, I request that the CFPB investigate this matter and assist in ensuring my rights are fully protected.

Please confirm receipt of this complaint, and I kindly ask for updates as your investigation proceeds. 

Thank you for your attention to this matter. 
Sincerely, 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