vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX Subject : Dispute of Inaccurate information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information I identified on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate and complete. The following accounts are inaccurate or unverifiable and must be investigated and corrected : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX LOANS, XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Explanation of Dispute : These accounts violate my rights under 15 USC 1681 ( e ) ( b ), which requires consumer reporting agencies to XXXXollow reasonable procedures to ensure maximum possible accuracy of the information in my report. Additionally, under 15 USC 1681i ( 5 ), inaccurate or unverifiable information must be promptly corrected or deleted after a reinvestigation. 
I have attached supporting documentation, including a copy of my credit report highlighting the disputed items and any relevant correspondence. I request that you : 1. Investigate these accounts. 
2. Provide me with the results of your reinvestigation.

3. Remove or correct any information that can not be verified as accurate.

Failure to address this issue promptly and in accordance with the FCRA may result in action. I look forward to your response within 30 days, as required by law.

Thank you for your attention to this matter. Please contact me at ( 626 ) 408-4030 or XXXX if you require further information. 
Sincerely, 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 2024-11-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX Subject : Dispute of Inaccurate information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information I identified on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate and complete. The following accounts are inaccurate or unverifiable and must be investigated and corrected : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Explanation of Dispute : These accounts violate my rights under 15 USC 1681 ( e ) ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in my report. Additionally, under 15 USC 1681i ( 5 ), inaccurate or unverifiable information must be promptly corrected or deleted after a reinvestigation. 
I have attached supporting documentation, including a copy of my credit report highlighting the disputed items and any relevant correspondence. I request that you : 1. Investigate these accounts. 
2. Provide me with the results of your reinvestigation.

3. Remove or correct any information that can not be verified as accurate.

Failure to address this issue promptly and in accordance with the FCRA may result in action. I look forward to your response within 30 days, as required by law. 
Thank you for your attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require further information. 
Sincerely, 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 2024-11-27 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:
My credit report lists late payments that don't align with my regular payment behavior. Please fix these inaccuracies.

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 2024-11-27 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX 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 CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$750.00}.

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 non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am filing a formal complaint regarding the continued reporting of bankruptcy and associated accounts by EQUIFAX, despite their failure to properly verify the accuracy of this information. EQUIFAX failed to properly investigate and verify the accuracy of the bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EQUIFAX failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements. 
XXXX.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided.

4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness.

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to EQUIFAX. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am filing a formal complaint regarding the continued reporting of bankruptcy and associated accounts by EQUIFAX, despite their failure to properly verify the accuracy of this information. EQUIFAX failed to properly investigate and verify the accuracy of the bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EQUIFAX failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements.

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided. 
4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination.

5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy.

6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness. 

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to EQUIFAX. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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 am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay.

Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$880.00} 3. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 4. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6700.00} 5. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 6. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX XXXX  ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX ) 12. XXXX XXXX XXXX  ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX ) 16. XXXX XXXX ( XX/XX/XXXX ) 17. XXXX XXXX ( XX/XX/XXXX ) 18. XXXX XXXX ( XX/XX/XXXX ) 19. XXXX XXXX XXXX ( XX/XX/XXXX ) 20. XXXX XXXX XXXX ( XX/XX/XXXX ) 21. XXXX XXXX ( XX/XX/XXXX ) 22. XXXX LND ( XX/XX/XXXX ) 23. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 24. XXXX XXXX ( XX/XX/XXXX ) 25. XXXX XXXX ( XX/XX/XXXX ) 26. XXXX XXXX XXXX XX/XX/XXXX ) 27. XXXX XXXX ( XX/XX/XXXX ) 28. XXXX XXXX ( XX/XX/XXXX ) 29. XXXX XXXX ( XX/XX/XXXX ) 30. XXXX XXXX XX/XX/XXXX ) 31. XXXX XXXX XXXX ( XX/XX/XXXX ) 32. XXXX XXXX XXXX XXXX XXXX XXXX 33. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 34. XXXX XXXX ( XX/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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Haven't received a credit update in 6 months starting to get very worried. Experian is no longer showing updated reports since 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hard inquiries I did not authorize are listed on my report. Kindly delete these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX - Balance : {$16000.00} My rights have been violated regarding 15 USC 1681 ( g ), I have not been provided with the proper disclosure. I demand that these items be removed from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$16000.00} My rights have been violated regarding 15 USC 1681 ( g ), I have not been provided with the proper disclosure. I demand that these items be removed from my consumer report immediately.

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 2024-11-27 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CMG Financial Services, Inc.
State: DC

Complaint narrative:
I was informed CMG Mortgage did not acknowledged my mortgage payment made via Cashiers Check on XX/XX/year> and mailed to the address provided by the representative. I sent the cashier 's check payment via USPS priority express mail and received a confirmation of delivery dated XX/XX/year>. I've sent photos of the check, the envelope and the confirmed delivery notice from USPS with tracking # included. However, CMG continues to inaccurately report to the credit bureaus and ignore my emails, calls and mailed letters referencing their inability to account for the check for {$4700.00}. 

I had to wait XXXX to cancel the cashiers check with my bank who sent another payment to CMG via Cashiers Check yet CMG continues to report late mortgage payments since XXXX which has caused my credit score to plummet. Please help as this impacts everything else in my life and is a huge inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion 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 2024-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date XX/XX/year> From XXXX XXXX Social Security Number XXXX Social Security Number XXXX Message : I Have ( 2 ) Social Security Number Due To ID.Theft By XXXX XXXX XXXX # XXXX XXXX : They are reporting collections on both of my social security numbers.Violator # 2 Experian : They are reporting collections on both of my social security numbers.Violator # 3 XXXX XXXX  : They are reporting collections, on both of my social security numbers.Citation Of Law : Texas Business and Commerce Title 11- Chapter 501- Section ( s ) 501.001 ( 5 ) and 501.101 ( d ) prohibits the use of personal information such as social security number to be used by a creditor who collects a person .... ( Social Security Number ) and must by law destroy such information after 6 months of and consumer transaction.These Creditors.. ( XXXX  ) ( XXXX XXXX ) XXXX XXXX XXXX ) all have been notified to cease and discontinue using my SSN # in unlawful consumer commercial debt collections.

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