vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: CA

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. 

INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> XXXX 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2024-09-28 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: AL

Complaint narrative:
sharing my information without my XXXX  which identity theft consent

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 2024-09-28 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: AL

Complaint narrative:
sharing my information without my co which identity theft consent

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 2024-09-28 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: OK

Complaint narrative:
I have repeatedly requested the incorrect information be corrected or deleted from my credit file for over a year with numerous letters being sent by mail. They are repeatedly placing negative information without properly verifying the true and correct information. They are in violation of the credit reporting act by reporting this negative 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 2024-09-28 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX  XXXX  assisting me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$6600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX Balance : {$59.00} CHILD SUPPORT XXXX  Account Number : XXXX Balance : {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as an official dispute regarding inaccurate and unauthorized information that has recently reappeared on my credit report after being properly removed. I am writing to demand the immediate correction of these erroneous entries, and I am prepared to take legal action if this matter is not addressed promptly. 

The following accounts, which were previously removed from my credit report, have been added again without justification : XXXX XXXX XXXX : A closed account showing a balance of {$900.00}. 
XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  : A closed account showing a balance of {$3100.00}. 

Additionally, the report reflects late payments on my XXXX XXXX XXXX XXXX account, which has been closed for some time. These late payments are inaccurate and damaging to my credit. 

Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure the accuracy of the information on my credit report. Re-inserting previously deleted accounts without providing any formal notification or validation violates the FCRA. Further, continuing to report false late payments damages my financial standing and reputation. 

I demand that you : XXXX. Immediately remove the XXXX XXXX and XXXX XXXX accounts from my credit report as they were closed and already removed previously. 
XXXX. Remove all inaccurate late payments associated with my closed XXXX XXXX XXXX XXXX account. 
XXXX. Provide me with written confirmation that these changes have been made within 15 days of receipt of this letter. 

Failure to resolve this issue promptly will leave me with no choice but to pursue all available legal remedies. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as initiating a lawsuit for damages caused by your reckless and negligent handling of my credit report. 

Please consider this your final warning before legal action is taken. I look forward to your swift response and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A charge off is considered as income according to IRS, an income is forbidden to be on my consumer credit report according to congress 15 u.s.c. 1681 ( 2 ) ( a ) ( i ). A charge off is an inaccurate account 15 u.s.c.1681 ( e ) ( b ). 15 u.s.c.1681 ( s ) -2 says any payments during Covid-19 are required to be deferred or forgiven.

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 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX helped score went up. Found in amending a list of people that were found in credit report. Even I was not expecting this. A list in about XXXX years altering ID. Wasnt expecting this. They did an excellent job. The other XXXX were not helpful. However also writing this because they said that they trans union XXXX  could not verify my identity. Bank said leave it as is for now. Likely because of the list of individuals found in my account with my personal information. 

However background checks for housing there should not be a single item on my record I was just referred from XXXX here. If it is the correct place no a lot of accusations etc has gone on towards me. I just received the email. It generally has been the opposite I tried to stop others actions without threatening. However credentialed people were listed on credit report dark web same as breaches generally mixing of multiple people in my medical, possibly criminal not major but allegations unfounded are likely prominent. If already submitted ignore this. However I have been taken to court usually on my own for personal reasons but this list is telling me that housing criminal allegations may be present. XXXX just sent me an email again tonight so no it shows on credit report who ( some ) and present housing no exception, however the individuals and some not listed are doing a good job making a big mess. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-09-28 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: IL

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Inaccurate reporting of a charge-off and an extended period of late payments on my credit report. This reporting is not only inaccurate but also a violation of my rights under federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to the inaccurate charge-off, this account has been falsely reporting over a years worth of late payments, dating back to XX/XX/year>. This is a clear misrepresentation of my account status, and such erroneous reporting has continued to severely damage my creditworthiness. The repeated inaccuracy violates the FCRA, which mandates that all information reported to consumer credit agencies must be truthful, accurate, and verifiable. 
Violations of Consumer Law As previously mentioned, the charge-off in question is being inaccurately reported. The furnisher 's failure to verify and correct this information upon my prior disputes violates Section 611 ( a ) of the FCRA. 
The continuous reporting of over a year 's worth of late payments from XX/XX/year> is false. Under Section 623 ( a ) of the FCRA, furnishers are required to report accurate and complete information. Failing to correct these erroneous late payments also constitutes a breach of this obligation. 

Fair Debt Collection Practices Act ( FDCPA ) Violation : If the entity reporting this information is acting as a debt collector, reporting false charge-offs and late payments constitutes a deceptive practice under Section 807 of the FDCPA ( 15 U.S.C. 1692e ). Such practices are illegal and harmful to consumers. 
This inaccurate reporting is harming my financial standing and has led to denials of credit and higher interest rates, all of which are unjustified due to the erroneous nature of the reporting. 
I demand that the CFPB immediately investigate this issue, enforce compliance with the FCRA and FDCPA, and ensure that both the charge-off and the inaccurate late payments are permanently removed from my credit report. The furnisher must be held accountable for failing to uphold their duty to report accurate information, and any continued failure to comply should result in appropriate penalties. 
I expect swift action and a full resolution of this matter, including the permanent deletion of all erroneous information. Please inform me of the steps that will be taken and the timeline for addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
Every time I log into my experian account online, it is showing information from XX/XX/year> and when I go to request my online credit report, it's showing that it can not show me my credit report at this time. I have reached out directly to experian for assistance in this matter. And have gotten nowhere

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 2024-09-28 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: MA

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 explanation
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion and XXXX. 

Please delete the following accounts 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 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 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Customer Service American Express [ American Express Address ] Dear American Express Customer Service, I am writing to formally address my recent application for credit with your company. I believe this application has been treated as an equitable security, and I am aware that American Express has been able to derive financial benefits from it. 

As I have not received any benefits from my application, I consider this situation to amount to unauthorized use of my information. In light of this, I request a detailed explanation of how my application has been utilized and the financial gains derived from it. 

Additionally, I would like to request documentation in accordance with Generally Accepted Accounting Principles ( GAAP ) that pertains to my application. If necessary, I am prepared to conduct a CUSIP audit to ensure all transactions are transparent and accurate. 

Thank you for your prompt attention to this matter. I look forward to your response. If my request is not satisfied I will be filing a lawsuit for securities fraud. 






Don't

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I filed for a modification on my FHA loan with Mr Cooper. The modification was approved but was only a difference of {$14.00} per month, while increasing my principal balance by {$48000.00}. I spoke with representatives several times in the the past week. The most recent date was XX/XX/XXXX. It was confirmed that I was declining the modification and I would make my regular payment no later than XX/XX/XXXX. 

Mr. Cooper 's system will not accept my regular scheduled payment. No one is calling me back. Please help, as I have no desire to have a 30 day late payment on my credit reporting. 

I appreciate your assistance in resolving this item. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : 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 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