vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXXXXXX XXXX XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!

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 2024-10-03 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:
To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address 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 2024-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I contacted Cross Country Mortgage regarding my lack of access to my online portal since my loan was transferred to them in XXXX. Ive spoken with multiple representatives who informed me that it could take 60-90 days for the issue to be resolved. However, it has now been nearly 120 days, and no one at the company seems able to fix this problem so that I can make my online payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
XX/XX/year> Dear Experian, XXXX, XXXX XXXX XXXX, am writing to dispute claims that are falsely listed on my consumer report. The following accounts are fraudulent, and I have NO KNOWLEDGE of them. I am requesting that these items be removed from my report immediately. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Reported Balance : {$220.00} Reported Status : Open, {$220.00} past due as of XX/XX/year> Dispute : I have never opened or had any association with this account. It is fraudulent, and I am requesting that it be removed from my credit report immediately. Attached is supporting evidence, including a police report and FTC Identity Theft Report. 
XXXX. Extra Account Number : XXXX Reported Balance : {$0.00} ( Closed due to inactivity ) Dispute : I have no knowledge of this account and have never conducted business with this company. The account is fraudulent, and I am requesting that it be removed from my credit report immediately. Supporting documents are attached. 
XXXX. XXXX XXXX Account Number : XXXX Reported Balance : {$9800.00} ( charged off, past due ) Dispute : This account is unfamiliar to me. I have never taken out a loan with this company or authorized this debt. I request that this fraudulent account be removed from my credit report immediately. Evidence is attached. 

I am providing a copy of my police report and FTC Identity Theft Report as additional proof to support my claim. Please remove these items from my consumer report promptly. 

Sincerely, 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Demand for Removal of Dispute Status for Accounts To Whom It May Concern, I am writing to formally request the immediate removal of the disputed status associated with my accounts listed below. The bank mistakenly flagged these accounts as fraudulent, which is not accurate. I intend to question the validity of the late payment record, not to dispute the accounts themselves. 

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-10-03 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: GA

Complaint narrative:
Subject : Demand for Removal of Dispute Status for Accounts To Whom It May Concern, I am writing to formally request the immediate removal of the disputed status associated with my accounts listed below. The bank mistakenly flagged these accounts as fraudulent, which is not accurate. I intend to question the validity of the late payment record, not to dispute the accounts themselves. 

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally request an investigation into U.S. Bank 's handling of its XXXX XXXX, which I believe may constitute a case of fraudulent bait and switch.

U.S. Bank advertises the XXXX XXXX as a payment option that allows customers to divide eligible credit card purchases into equal monthly payments without interest, subject to a fixed monthly fee. If a credit card account is eligible, U.S. Bank informs customers via email or displays the option when viewing their card account details or eligible transactions online. 

I have experienced an issue with this program concerning two identical charges from the same service provider. The first charge, for {$2000.00} on XX/XX/year>, was eligible for the XXXX option, and I was able to set up a plan without any issues. However, the second charge of {$2000.00}, dated XX/XX/year> for the same type of service, was falsely indicated as eligible for XXXX on my account dashboard. After selecting the option and proceeding through the prompts to choose the monthly payment amount and term, I received an error message stating that my account was ineligible for XXXX. 

On XX/XX/year>, I called U.S. Bank customer service to resolve the issue and was told that a XXXX would contact me. When I followed up on XX/XX/year>, after receiving no response, I was informed that the issue had been escalated. A manager finally called me that evening around XXXX XXXX, only to state that the second transaction was not eligible for XXXX. When I asked why the option was displayed, the manager claimed that receiving the offer does not guarantee eligibility. 

I find this explanation deeply unsatisfactory and misleading. I only used the U.S. Bank card for the second transaction because the XXXX option was clearly presented, and it had worked for an identical transaction just a month prior. By showing the option on my dashboard and then denying its availability after I initiated the process, U.S. Bank created a false expectation. It enticed me to use the card under deceptive pretenses. I now face a 19 % interest rate if the balance is not paid in full by XX/XX/year>. 

I believe this situation amounts to a bait-and-switch, and I request that the CFPB investigate U.S. Bank 's XXXX XXXXXXXX XXXX determine whether this practice violates consumer protection laws. 

Thank you for your attention to this matter. I have attached copies of relevant documentation as evidence.

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 2024-10-03 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: GA

Complaint narrative:
Date of Report : XX/XX/year> Description of Issue : I am writing to report errors and violations by Equifax and associated parties related to my credit report. 
Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Equifax and associated parties failed to ensure the accuracy of my credit report, incorrectly reporting 35 late/missed payments. 
FCRA, 15 U.S.C. 1681i : Equifax and associated parties failed to promptly correct errors after I disputed them. 
Metro 2 Guidelines : Equifax and associated parties failed to comply with Metro 2 requirements for reporting, specifically regarding : Incorrect payment history. 
Failure to update account status. 
FCRA, 15 U.S.C. 1681g : Equifax and associated parties failed to provide me with a complete and accurate credit report.

FCRA, 15 U.S.C. 1681c : Equifax and associated parties failed to comply with requirements for reporting obsolete information. 
12 CFR 1022.43 : Equifax and associated parties failed to maintain reasonable procedures to ensure accuracy. 
Desired Resolution : I request that Equifax and associated parties Immediately remove the incorrect late/missed payment entries. 
Provide an updated credit report reflecting the corrections. 
Take steps to prevent similar errors in the future.

Conduct an investigation and provide a written response regarding the violations.

These action are leading to denial of credit, loans, and suitable livability. These companies are giving the impression that there are 37 MISSED PAYMENTS and the alleged debt is being CHARGED OFF every month of every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
On XX/XX/year> I paid in full a {$120.00} debt to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has refused to update that account to reflect closed with XXXX balance, even after several disputes it still shows an open delinquent account with a {$120.00} balance. I'm not sure if this is gross incompetence or it's being done on purpose with malicious intent and it negatively affecting my life and credit score.

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 2024-10-03 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: AZ

Complaint narrative:
( Fraud Block Request Declined - Document Submitted Not Acceptable ) I have already try requested information, and still after XXXX, XXXX time I still not able to resolve anything. Your company state that " Our goal is to maintain complete and accurate credit information ''. It's our commitment to you. You at this time have still reporting inaccurate information as of today, from my student loans amount that I paid down on, to late payments, to account that do not belong to me. 
I provided Arizona police report which is legal document. Per FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ( B ), nowhere does it state that my police report needs to be signed. In Arizona police report are done automatically online. Then police report is sent to you via email after it get approved ( I have attached the FCRA Law for your reference ) I also attached my Identity Theft report from the website https : //www.identitytheft.gov/, which again is LEGAL document, and I can be prosecuted for false information, in which is valid identity theft report and LEGAL. 
I also attached my complaint to Arizona Attorney General- My Driver License, Copy My passport, Statement proof address, and Social Security In next 30 days if do not have access to my credit report, I will seek Legal actions, and you have incorrectly continued report inaccurate information to my credit report and not allow access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT 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 non-monetary relief