vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out as a devoted single father to XXXX children, a 90 % XXXX veteran with a significant portion of my XXXX related to XXXX injury and mental health issues. These conditions have profoundly impacted my ability to manage financial responsibilities, particularly regarding my accounts with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

My status as a single parent and XXXX veteran brings unique challenges, including managing our household 's financial needs. Negative entries on my credit report, directly resulting from my XXXX, have significantly hindered my access to essential credit. This limitation has made it increasingly difficult to secure financial products, such as home equity loans or lines of credit, that could vastly improve our living situation by allowing me to consolidate and pay off existing debts. 

The Americans with Disabilities Act ( ADA ) mandates fair treatment and accommodations for individuals with XXXX, and the Fair Credit Reporting Act ( FCRA ) requires accurate representation of an individual 's credit information. The denials of credit I've faced, due to the negative reports from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, effectively act as indirect discrimination. They overlook the impact my XXXX has on fulfilling standard financial norms. 

In light of these challenges, I respectfully request your intervention in advocating for the removal of the following negative entries from my credit report, attributable to circumstances beyond my control : Late payments and closed account. 

This request comes from a place of earnest hope for understanding and accommodation from both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The equitable treatment and removal of these entries, I believe, align with the ADA and FCRA principles. Furthermore, it would significantly aid in securing a stable financial future for my family and me. 

I anticipate a comprehensive review of my case and the hopeful removal of the specified negative entries from my credit report. I kindly request written confirmation of these changes or, if the information is deemed accurate, a detailed explanation of the findings and subsequent steps. 

Thank you for considering my request and for the support you provide to consumers facing financial challenges. I remain available for any further information or clarification 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out as a devoted single father to XXXX children, a 90 % XXXX veteran with a significant portion of my XXXX related to XXXX injury and mental health issues. These conditions have profoundly impacted my ability to manage financial responsibilities, particularly regarding my accounts with Suncoast Credit Union and XXXX XXXX XXXX XXXX. 

My status as a single parent and XXXX veteran brings unique challenges, including managing our household 's financial needs. Negative entries on my credit report, directly resulting from my XXXX, have significantly hindered my access to essential credit. This limitation has made it increasingly difficult to secure financial products, such as home equity loans or lines of credit, that could vastly improve our living situation by allowing me to consolidate and pay off existing debts. 

The Americans with Disabilities Act ( ADA ) mandates fair treatment and accommodations for individuals with disabilities, and the Fair Credit Reporting Act ( FCRA ) requires accurate representation of an individual 's credit information. The denials of credit I've faced, due to the negative reports from Suncoast Credit Union and XXXX XXXX XXXX XXXX, effectively act as indirect discrimination. They overlook the impact my XXXX has on fulfilling standard financial norms. 

In light of these challenges, I respectfully request your intervention in advocating for the removal of the following negative entries from my credit report, attributable to circumstances beyond my control : Late payments and closed account. 

This request comes from a place of earnest hope for understanding and accommodation from both Suncoast Credit Union and XXXX XXXX XXXX XXXX. The equitable treatment and removal of these entries, I believe, align with the ADA and FCRA principles. Furthermore, it would significantly aid in securing a stable financial future for my family and me. 

I anticipate a comprehensive review of my case and the hopeful removal of the specified negative entries from my credit report. I kindly request written confirmation of these changes or, if the information is deemed accurate, a detailed explanation of the findings and subsequent steps. 

Thank you for considering my request and for the support you provide to consumers facing financial challenges. I remain available for any further information or clarification needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 2024-03-11 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-03-11 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2024-03-11 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out as a devoted single father to XXXX children, a 90 % XXXX veteran with a significant portion of my XXXX related to XXXX  injury and mental health issues. These conditions have profoundly impacted my ability to manage financial responsibilities, particularly regarding my accounts with XXXX XXXX XXXX and Navy Federal Credit Union. 

My status as a single parent and XXXX veteran brings unique challenges, including managing our household 's financial needs. Negative entries on my credit report, directly resulting from my XXXX, have significantly hindered my access to essential credit. This limitation has made it increasingly difficult to secure financial products, such as home equity loans or lines of credit, that could vastly improve our living situation by allowing me to consolidate and pay off existing debts. 

The Americans with Disabilities Act ( ADA ) mandates fair treatment and accommodations for individuals with XXXX, and the Fair Credit Reporting Act ( FCRA ) requires accurate representation of an individual 's credit information. The denials of credit I've faced, due to the negative reports from XXXX XXXX XXXX and Navy Federal Credit Union, effectively act as indirect discrimination. They overlook the impact my XXXX has on fulfilling standard financial norms. 

In light of these challenges, I respectfully request your intervention in advocating for the removal of the following negative entries from my credit report, attributable to circumstances beyond my control : Late payments and closed account. 

This request comes from a place of earnest hope for understanding and accommodation from both XXXX XXXX XXXX and Navy Federal Credit Union. The equitable treatment and removal of these entries, I believe, align with the ADA and FCRA principles. Furthermore, it would significantly aid in securing a stable financial future for my family and me. 

I anticipate a comprehensive review of my case and the hopeful removal of the specified negative entries from my credit report. I kindly request written confirmation of these changes or, if the information is deemed accurate, a detailed explanation of the findings and subsequent steps. 

Thank you for considering my request and for the support you provide to consumers facing financial challenges. I remain available for any further information or clarification needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 2024-03-11 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-03-11 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the ongoing reporting of fraudulent accounts on my credit report by your bureau. Despite assurances from associated banks and compliance with other bureaus to remove these fraudulent accounts, they persist on my credit report. It is unacceptable that I am being penalized for fraudulent activity I did not initiate or authorize. 
Fraudulent Accounts to be Removed : 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 2024-03-11 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: AE

Complaint narrative:
After further review of my Experian credit report, I've noticed there are XXXX names, XXXX addresses, which do not match my current records. I DEMAND ALL addresses on my Experian credit file DELETED. Addresses reporting on file I do not reside. CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a non-mailable address and therefor inaccurate. Updated address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Updated Name : XXXX XXXX XXXX. Please remove ALL phones numbers on file. Please remove ALL employers from credit file. Please remove 1 hard inquiry. Failure to remove the requested information will result in an immediate violations of my right to privacy as a federal protected consumer. Further furnishing of the data herein beyond the request for removal will further result in violations of 15 usc 1681n - willful non-compliance. Attached to this complaint is an XXXX XXXX XXXX phone bill which reflects current mailing and billing address.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am frustrated by the ongoing merging of my credit file with someone sharing a similar name. Despite assurances from banks, the erroneous accounts remain on my report. 
Accounts to be removed : 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