vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
My mortgage servicer is Village Capital and Investments LLC. Village Capital has not given XXXX XXXX XXXX the mortgage payoff amount to close my refinance. I was told by XXXX XXXX Loans that they had requested the documents from Village Capital on XXXX XXXX, XXXX  and XXXX XXXX, XXXX, both of which have not been fullfilled. I was supposed to close on my loan on XXXX XXXX, XXXX. Village Capital has been holding my payoff amount XXXX now for over 21 Days now and that there supposed to give any mortgage payoff amount in the XXXX business days. Today XXXX XXXX, XXXX  with still no pay off I would like to see Village Capital give XXXX XXXX XXXX the pay off so I can please move on from this nightmare of refinance that they have put me through it is cause undue stress and with my mortgage being due soon I this to come through as soon as possible. Village Capital has hassared me to refinance with them. After doing some more research into them I chose not to continue business with them after seeing multiple people having nightmarish experiences with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding multiple discrepancies and inaccuracies in my credit report as reported by XXXX and Equifax with an account reporting on my credit. These discrepancies are negatively impacting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following inaccuracies between the XXXX credit reporting agencies : XXXX. Account XXXX : XXXX : XXXX XXXX Equifax : No information provided XXXX. Number of Months ( Terms ) : XXXX : XXXX  months Equifax : XXXX  months XXXX. Payment Status : XXXX : Late XXXX  Days Equifax : Late XXXX  Days XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX2020 Equifax : XX/XX/XXXX2018 XXXX. Date of Last Payment : XXXX : XX/XX/XXXX2018 Equifax : XXXX/XXXX/2018 XXXX. XXXX-Year Payment History ( XX/XX/XXXX2022 to XX/XX/XXXX2024 ) : XXXX : XXXX  days late consistently Equifax : XX/XX/XXXX to XX/XX/XXXX : XXXX  days late XX/XX/XXXX2023 : No data provided XXXX 2023 to XX/XX/XXXX2023 : XXXX  days late XX/XX/XXXX2024 to XX/XX/XXXX2024 : Current XXXX 2024 : No data provided XX/XX/XXXX2024 to XXXX 2024 : Current XX/XX/XXXX2024 : No data provided These inaccuracies present a total of XXXX distinct reporting errors. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must report accurate and complete information. The inconsistencies listed above clearly demonstrate that either XXXX or Equifax is not fulfilling this obligation. 

On XXXX/XXXX/2024, I disputed these inaccuracies through the CFPB, and both Equifax and XXXX responded stating that the account is verified as mine. However, they continue to provide inaccurate information on my credit report. This ongoing failure to correct the discrepancies has caused significant harm to my creditworthiness. 

I am requesting an immediate investigation and correction of these errors. I demand that the Consumer Financial Protection Bureau ensures that both credit reporting agencies rectify these discrepancies and provide accurate and consistent information regarding my account. If accurate and consistent information can not be obtained, I request that this account be removed from my credit report. 

Furthermore, I would like to be updated on the steps being taken to resolve this matter and the timeframe in which I can expect these inaccuracies to be corrected. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Deletion of Collections from Credit Report Pursuant to 15 USC 1681b ( 2 ) and 15 USC 1692 Dear Sir/Madam, I am writing to you regarding the presence of collections accounts on my credit report. Upon reviewing my credit report, I noticed the following collections account : - Account Number : XXXX - Date Reported : XX/XX/year> - Balance Amount : {$740.00} - Client Name : XXXX XXXX XXXX XXXX I am formally requesting the deletion of this collections account from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ). This section mandates that consumer reporting agencies may only furnish consumer reports under permissible purposes, which include transactions initiated by the consumer, review or collection of an account, and legitimate business needs. Additionally, 15 USC 1681b ( 2 ) stipulates that information may only be disclosed with the consumer 's written consent.

I assert that the reporting of this collections account on my credit report does not serve a permissible purpose as defined by 15 USC 1681b ( 2 ), and I have not provided written consent for such disclosure. There is no current or ongoing legitimate business need for the inclusion of this information, nor does it pertain to any transaction initiated by me or involve the review or collection of an account.

Furthermore, I would like to highlight certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692, which regulates the actions of debt collectors. Under this law, debt collectors are prohibited from using unfair or deceptive practices when attempting to collect debts. Reporting inaccurate or outdated information to credit bureaus without proper validation and documentation may constitute a violation of this law.

I kindly request that you conduct a thorough investigation into this matter and delete the collections account from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report and any violations of the FDCPA.

Please provide written confirmation once the collections account has been removed from my credit report, as required by law. 
Thank you for your attention to this matter. I anticipate a prompt resolution to this dispute. 
Sincerely, XXXX XXXX XXXX SS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have credit scores of XXXX and have XXXX interest cards with companies as XXXX XXXX ( XXXX and XXXX bank ), but I applied with chase and XXXX XXXX and citibank they refuse to help or open an account regardless of my sucessful record of paying off bills. 
I think they have me XXXX  from the past. 

can you please open this up with them and I want them to research why. 

XXXX XXXX no form letters allowed to send me and i will take the attorney route

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 2024-08-06 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: GA

Complaint narrative:
Creditor failed to validate debt. Through the Fair and Accurate Credit Transactions ( FACT Act ), Congress amended the FCRA to, among other purposes, restrict creditors ability to obtain or use medical information in connection with debt collection.

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 2024-08-06 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-06 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: AZ

Complaint narrative:
This is concerning, my credit report has inquiries that I don't recognize. I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-06 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: GA

Complaint narrative:
. I looked at my XXXX XXXX Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 16815-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: AR

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries appearing on my TransUnion credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXXXX/XX/XXXX Category : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Category : XXXX XXXX XXXX and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.

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 2024-08-06 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 express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
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 2024-08-06 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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