vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violation 's that Experian are furnishing with the accounts. Every marking is a federal consumer rights violation, and each violates Privacy Act of 1974, 15 USC 1681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n and 15 USC 1681a. I have previously attempted to fix this problem with Experian, but I see that they are continuing to violate my federal consumer rights that they agreed to uphold. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX reporting 's. I will continue with Arbitration as my next step to resolve the violations and also civil liability due to violating my consumer right 's.

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 2024-12-17 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: FL

Complaint narrative:
Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX  Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.

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 2024-12-17 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: FL

Complaint narrative:
ACCOUNT NUMBER XXXX OF XXXX XXXX XXXX THAT I HAVE BEEN DISPUTING FOR 3 MONTHS IN EACH RESULT DOES NOT MATCH, THEY REINSERT LATE PAYMENTS IN EACH RESULT, IN XXXX, XXXX AND TRANSUNION THE INFORMATION IS DIFFERENT AND INACCURATE BOTH IN PERSONAL INFORMATION AND IN ACCOUNT NUMBER AND NUMBERS OF LATE PAYMENTS, NEGATIVELY AFFECTING MY CREDIT HISTORY WHICH IS IMPECCABLE, I DEMAND THROUGH THE LAW THAT PROTECTS US AS CONSUMER TO REMOVE THESE LATE PAYMENTS OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) 15 U.S.C 1681 ( 7 ) 15 U.S.C 1681 ( 5 ) ( b ) ( i ) ( i ) 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 MI 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OR, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

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 2024-12-17 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: NY

Complaint narrative:
This complaint has been filed because i check my credit score again and im still with the same problem, so I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : *a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, XXXX Personal credit card at XXXXXXXX XXXX XXXX XXXX, *and another personal credit card at XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent, negative, closed and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.

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 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/year> at XXXX I received a phone call from a representative from IQ Data international regarding a {$11000.00} account from the XXXX XXXX XXXX XXXX  where I formerly resided at one of their properties. The caller asked if I could pay in full and I told her I was unable to due to paying rent, utilities, car payment and student loans and if I can negotiate a payment arrangement and she responded by we cant do that and I said okay Ill get back to you. At XXXX I call them back and she asked me if I was able to get a loan and I responded by what i said previously about my credit not being able to qualify for a loan and she scolded me for not getting a loan and demanded payment. I told her that I was part of a debt relief program and they can help with a solution and she responded by say if they try well refuse and told me to stop fronting I have the money I was in tears and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
**On [ XX/XX/year> ], I noticed that there were unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I did not authorize these inquiries, and I believe they were made in error or fraudulently. As a result, these inquiries are negatively impacting my credit score.

I contacted [ XXXX XXXX XXXX  ] on XX/XX/year> requesting the removal of these unauthorized inquiries, but no resolution was provided. I am now submitting this complaint to request that the company remove these inquiries from my credit report immediately and confirm the correction in writing. **

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute an inaccurate address appearing on my credit reports. Despite reaching out multiple times to the credit reporting agencies to have this corrected, the issue remains unresolved.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain and report accurate information. Additionally, under 15 U.S.C. 1681i ( a ), I am entitled to a proper reinvestigation when disputing any inaccuracies. My repeated attempts to address this matter have not resulted in a solution, which violates the FCRAs mandate to ensure maximum possible accuracy.

An incorrect address on my credit report can negatively impact my financial opportunities and raises concerns about the integrity of the information being reported. I am requesting that the Consumer Financial Protection Bureau intervene to ensure the credit reporting agencies comply with federal law and correct this inaccuracy promptly.

For your reference, I have attached supporting documentation, including copies of correspondence with the credit bureaus and identification verifying my correct address. 

Thank you for addressing this matter swiftly. Please contact me if additional information or documentation is needed.

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 2024-12-17 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX  violation 's that EQUIFAX are furnishing with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n , 15 USC 1681a , 15 USC 6801, and 15 USC 6802 . There are well over a 100 federal consumer violations EQUIFAX is furnishing with the XXXX XXXX XXXX accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting 's by EQUIFAX. I will file Arbitration as my next step if we can't resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX XXXX violation 's that XXXX are furnishing with the accounts. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX reporting 's. Every marking is a federal consumer rights violation, and each violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a and 15 USC 1681s-2. I will file arbitration as my next step.

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 2024-12-17 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NV

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Same pmi problem. I want to get refund for my pmi, and they wont agree. Its a law that when borrowers meet the requirements of XXXX 78 % they need to inform borrowers that you can cancel the pm or mortgage company need to cancel automatically! But none of them inform to consumers about it. The federal law requires that mortgage companies need to do it! And they just push away to other peoples problem or other company issues! Thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief