vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
I'm filing this complaint against XXXX, a previous student loan servicer. The account is now closed due to loan consolidation. In XX/XX/year>, XXXX submitted a 90-day late payment notice to all three credit reporting bureaus. To the best of my knowledge, the loan was on deferment for years because of difficulty paying. Yearly, I would call to request a deferment. To the best of my knowledge, the deferment was good for a year. So, it was a surprise when Experian notified me of negative information on my credit file. I had no information from XXXX that the deferment had expired. 

Upon learning of the negative information reported on my credit file, first, I reached out to XXXX about the negative information they had reported and requested they remove it. Customer service informed me they couldn't remove the information, only the credit bureaus could do so. I argued that was incorrect. XXXX provided the information, therefore, XXXX could contact the credit bureaus to have it removed. She refused to honor my request. 

Then, I contacted Experian on three occasions to dispute the negative information. Each time, Experian simply forwarded my dispute to XXXX and that was it. It did not show how it conducted its investigation. I even submitted an email showing the account was on deferment, to no avail. I have not had any success dealing with either institution. 

On XX/XX/XXXX, I contacted them about the loan since XXXX sent me an email regarding the change of status of the account. Of course, they had no information to provide and told me to call back in XXXX. I followed up again in XXXX just to be told that the account was closed due to consolidation, there was no information to provide. So confusing responses.

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 2024-07-16 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: AZ

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my 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 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: MA

Complaint narrative:
Lendbuzz Funding LLC has a open XX/XX/year> and last reported XX/XX/year> for a balance of {$9500.00} which I did not consent or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-16 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: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-16 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: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-16 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: FL

Complaint narrative:
im a victim of identity theft, these accts werent open with knowledge

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 2024-07-16 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: FL

Complaint narrative:
im a victim of identity theft, these accts werent open with knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
im a victim of identity theft, these accts werent open with knowledge

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 2024-07-16 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:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-16 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:
Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2024-07-16 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:
My repeated efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I am not responsible for them in any way. Their presence has caused considerable mental anguish and financial hardship. As an identity theft victim, I will be compelled to pursue legal action if this issue is not appropriately resolved. These inaccurate and fraudulent entries have prevented me from purchasing my desired home and adequately providing for my family, significantly impacting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.

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 2024-07-16 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:
My repeated efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I am not responsible for them in any way. Their presence has caused considerable mental anguish and financial hardship. As an identity theft victim, I will be compelled to pursue legal action if this issue is not appropriately resolved. These inaccurate and fraudulent entries have prevented me from purchasing my desired home and adequately providing for my family, significantly impacting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.

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 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I learned of this collection on XX/XX/XXXX when I checked my credit. I have never had any notice of said debt. On XX/XX/XXXX and XX/XX/XXXX I contacted the company via email asking for debt verification, in writing. I then emailed again on XX/XX/XXXX as well as called and have not received any validation of the reported debt at all. I also tried the live chat on XX/XX/XXXX with no verification there either. This company has never tried to contact me, nor have they responded to any verification attempts.

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 2024-07-16 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I tried to get a HELOC from Citizens Bank. The initial drive-by appraisal had our property size incorrectly listed as XXXX acres instead of the actual XXXX acres. They refused to correct it without an in home appraisal which we then scheduled. After the in home appraisal, the property size was incorrectly listed as XXXX acres yet again. After weeks of back and forth with citizens they finally adjusted the property size to XXXX acres and gave us a valuation of XXXX. 
I noticed other substantial errors on the appraisal in regard to the square footage. They had XXXX listed instead of the actual XXXX ( which I had proved via property record card from the county assessor ) as well as the year built being incorrect. In order to receive the best rate of XXXX 1.15 %, we needed to obtain a line of credit of XXXX. With the incorrect appraisal we were offered a XXXX line at a rate of XXXX XXXX %. 
They said the limit was based of a max of 80 % XXXX. 

They refuse to correct the appraisal which I believe would get us to the proper valuation. Using their value of XXXX sq/ft. 
( XXXX ) adjusted for the correct square footage of XXXX would then be {$440000.00}. Which would then lower the XXXX to 79 % at a {$100000.00} Line of Credit ultimately securing the lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: PR

Complaint narrative:
hard inquires that I did not authorized : XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

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 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 2024-07-16 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: IL

Complaint narrative:
I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ( XXXX ) XXXX {$3700.00} to be removed from my credit I do not know what this is about.

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 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
In my credit report is shows I owe XXXX XXXX XXXX {$4100.00} for XXXX XXXX XXXX XXXX  that I have never gone to. I called Grant & Weber Arizona In and spoke to XXXX. XXXX informed me that I owe this due to an XXXX XXXX. I informed her I have not been to XXXX XXXX for an XXXX XXXX XXXX XXXX and I actually live in XXXX XXXX which would not make sense. After other verifications, it was verified that this debt is not my debt. I asked if she could give me more information or send me correspondence regarding this debt but she declined stating due to HIPAA Law she can not disclose any further info. She stated for me to do a request with consumer affairs. I believe this is not correct and has affected my credit dramatically due to it being in collections. I would like for this to be resolved as this is inaccuate reporting and I have never used this service with the XXXX. The debt collector informed me her name is XXXX and her phone number is XXXX ext XXXX. She stated if they reach out to her she will confirm what I stated.

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 2024-07-16 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: NJ

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) account pertains to a transaction and experience that fall under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction. It was reported without my written consent, constituting identity theft as defined by the Federal Trade Commission ( FTC ). Therefore, this account must be deleted from my credit report. 

Firstly, this account is not related to any transaction authorized by me, the consumer. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 

Furthermore, the reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, which includes attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. 

In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. 

Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.

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 2024-07-16 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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