vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : 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 2024-05-23 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX  RE : Immediate Removal of Inaccurate XXXX XXXX Account Information Dear Equifax, This letter is to formally dispute inaccurate information on my credit report regarding an XXXX XXXX account previously identified by a scrambled account number ( XXXX ). 
Dispute and Violation of FCRA : According to my credit report, an XXXX XXXX ( XXXX ) account appears with inaccurate and unverifiable information. I have received recent correspondence from XXXX XXXX ( attached ) dated XX/XX/XXXX, clarifying the account details. Here 's the discrepancy : Credit Report : Lists an XXXX account ( XXXX ) XXXX XXXX Response : The letter from XXXX XXXX identifies the account as a XXXX XXXX XXXX ending in XXXX and confirms it was charged-off, not closed as reflected on my credit report. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( 2 ), which mandates accurate and verifiable information on credit reports. 
Demand for Removal : Given XXXX XXXXXXXX XXXX confirmation and the discrepancies identified, I demand the immediate removal of this inaccurate XXXX account from my Equifax credit report. Furthermore, I am aware that the FCRA allows for a potential fine of up to {$1000.00} per violation. Considering you have verified this account information on three separate occasions ( attach copies if applicable ), the potential total fine could be {$3000.00}. 
Request for Verification and Update : To ensure accurate reporting moving forward, I request Equifax to : Immediately remove the inaccurate XXXX account from my credit report. 
Contact XXXX XXXX to verify the current status and details of the XXXX XXXX XXXX ending in XXXX ( if applicable ). 
Update my credit report with any verified, accurate information from XXXX XXXX. 
Documentation : I have attached a copy of the correspondence from XXXX XXXX ( dated XX/XX/XXXX ) for your reference. 
I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information and any updates made to my credit report within 30 days. 
Thank you for your time and attention to this urgent issue. 
Sincerely, Enclosures : XXXX XXXX XXXX ( dated XX/XX/XXXX ) Identification and address verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
The company Fifth Third Bank/ Account Number:XXXX has not provided any information to validate this debt as accurate and mine. The company has only provided to me a copy of a fraudulent auto loan contract which I have attached to this complaint. 

Under law 15USC6801 and 15USC6802 requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AmWest Funding Corp.
State: OR

Complaint narrative:
We offered a property, and the offer was accepted on XX/XX/year>. So we applied the mortgage for the purchase. We contacted our mortgage broker XXXX XXXXXXXX XXXX, XXXX XXXX. He has all our files from last transactions, and he gave us the list of documents needed. 
We filled out Loan Application ( Form XXXX ). The information including name, address, SSN, current employment, bank account, credit cards information, etc for both me and my wife. We signed and sent the application to XXXX XXXX XXXX on XX/XX/year>. 

We have provided them paystub XXXX  months, bank statement XXXX months, insurances, property tax statements, etc. XXXX weeks ago. 

Today XX/XX/year>, which is XXXX days before closing day ( XX/XX/XXXX ), all the sudden, they requested written verification from my employer, as well as written verification from banks where I have accounts. 

I asked my mortgage broker about why all the sudden of the verification requests. He told me they selected my file for XXXX XXXX. 

The answer for me is not making sense. If they want to " randomly '' select my file for XXXX XXXX, they should notify at the beginning of the process. 

To me they have intention to delay the process and postpone the closing. From the time I submitted my application where I have listed who is my employer and my spouse employer. I also listed the bank accounts on the application. The lender has XXXX weeks to get written verification on Employment or Banks. They chose to wait until XXXX days before closing to request those verifications where sometime it will take time for Employer to response. 

We went through several mortgage for purchase or refinance transactions, we never experience such a unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-23 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: NJ

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my 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 non-monetary relief
Consumer complaint received 2024-05-23 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: SC

Complaint narrative:
This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-05-23 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: SC

Complaint narrative:
This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-05-23 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: NJ

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my 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 2024-05-23 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: NJ

Complaint narrative:
I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestiagation 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following items needs to be removed immediately : XXXX XXXX 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 2024-05-23 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-23 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-23 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:
This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX : {$65000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX ON XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: SC

Complaint narrative:
Re : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Attached please find a letter I received from a collection agency on XXXX The letter states : We have also deleted this collection item from your credit report. Clearly the agency failed to do so, as the collection record shows on my credit report as XXXX The item in question is : XXXX XXXX XXXX XXXX XXXX  Please remove this item from my credit history immediately as the creditor and I both have requested. 

Thank you for your time, XXXX XXXX ll XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-23 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

I looked at my Experian 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 agency prepares a consumer report it shall follow a reasonable procedure 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 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( ii ) 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 1681s-2 they are supposed 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 information is inaccurate.

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 2024-05-23 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-23 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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