vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me

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 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
Subject : Complaint Against Alliant Credit Union for Breach of Contract and Securities Fraud To Whom It May Concern, I am writing to file a formal complaint against Alliant Credit Union ( ACU ) regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is XXXX XXXX XXXX, and I am a customer of ACU. The property in question is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered into a mortgage contract with ACU on XX/XX/XXXX for an original amount of {$800000.00}. 

On XX/XX/XXXX, XXXX contented that I am in breach of contract for failure to make payments pursuant to the terms of my promissory note. I contend that ACU breached our contract on XX/XX/XXXX by engaging in securities fraud. At the time of the contract 's execution, ACU fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, ACU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. 

It is fraud for any business to fabricate assets on its balance. While many companies have been able to get away with this for a time such as XXXX, XXXX, XXXX XXXX, and XXXX, investigation proves that the companies success was deceptive, a paper fabrication. I request that ACU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence can not be provided, I request that the contract between myself and XXXX be considered broken and ACUs practice of lending be investigated similar to the investigations of XXXX, XXXX, XXXX XXXX, and XXXX. 

I acknowledge that this complaint may seem unusual ; however, it is grounded in the recognition of suspicious activities that often underpin cases of fraud. If ACU can assert that I am in breach of my contract for failing to uphold the terms of my promissory note, then I maintain that, by the same standard, they are in breach for fabricating bank credit without adequate backing. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure accountability and justice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
SECURITY CREDIT SERVICE added a collection to my credit report indicating that I owed them {$1500.00}. They also indicated that this loan was established XX/XX/year>. I sent letters out XXXX, XXXX and XXXX, all 3 companies are reporting different information which is also a validation of my rights as a consumer. All 3 bureaus must report 100 % accuracies across the board or thats a violation of my rights. I dont owe SECURITY CREDIT SERVICE any money nor have they lent me any money nor have I signed any contracts agreement stating I agreed to pay this company back. Im demanding that this debt get immediately removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has been classified as charged off since XX/XX/year>, and this designation has persisted month after month. However, it's important to note that a charged off account should not be included in active payment history. This inaccurate reporting can affect the status of limitations unfairly. Your failure to conduct a proper investigation into this matter has violated my rights. Thus, I insist on the deletion of the following account : 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 2024-06-04 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:
Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in XXXX, TRANSUNION, XXXX. I appreciate your timely collaboration and I remain attentive to your effective and prompt response TRANSUNION INQUIRES DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am consumer by law and feel taken advantage of. There is inaccurate information that still being reported by this company. I feel they are disregarding me and this is creating a lot of stress for me.

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 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-06-03 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: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-06-04 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX  # XXXX, has 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 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 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 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 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-03 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: FL

Complaint narrative:
The accounts are proven to be mines when i am a victim of identity theft needs to be removed. I have provided to you guys a active police report in regards of my identity being stolen and no one is seeming to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX ACCOUNT 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 2024-06-03 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: MO

Complaint narrative:
Upon reviewing my credit report, I noticed that my credit report is being furnished with inaccurate information. The accounts and hard inquiries in this dispute are not mine and were never initiated by me at any given point. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Submitted Dispute on XX/XX/year> to Experian under dispute number XXXX. The company has failed to respond to the dispute within XXXX days and should remove all items disputed. Under U.S. Code 1679c Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within XXXX days.

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 2024-06-03 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: OH

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-03 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: NJ

Complaint narrative:
On or around XX/XX/XXXX I disputed this account with confirmation number XXXX with Equifax information XXXX this account from XXXX XXXX XXXX XXXX Account # XXXX It was deleted from my file, for some error in Equifax XXXX system its still reporting to the other platforms, but Equfax system is not reporting. I request for a refresh of my data and also, Im requesting an investigation to remove this fraudulent account immediately and also the inquiry from XXXX XXXX from XX/XX/XXXX. 
According to ( FCRA ) 611 ( a ) this section requires a credit reporting agency to reinvestigate any dispute information and record the current status of the dispute information. Equifax is in violation and Im requesting for immediately removal of these accounts. within XXXX business days upon receipt RE : Dispute of Fraudulent Account and Unauthorized Re-insertion Unauthorized inquiry The presence of a fraudulent XXXX XXXX XXXX account on my Equifax credit report. This account was previously removed from my report, but it has been re-inserted without my knowledge or consent. The account is also reporting as deleted on Equifax while still appearing on other credit reporting platforms. 

Furthermore, I have received an inquiry from XXXX XXXX XXXXXXXX regarding this fraudulent account, which is causing me significant distress and potentially damaging my credit worthiness. 

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX ACCT # XXXX I have never authorized the re-insertion of this account on my credit report, and I demand that it be immediately removed. The re-appearance of this fraudulent account is a clear violation of my rights as a consumer and a breach of Equifax 's responsibility to maintain accurate credit reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax : XXXX. Conduct a thorough investigation into this matter ; XXXX. Remove the fraudulent account from my credit report permanently ; XXXX. Provide me with a corrected copy of my credit report ; and XXXX. Notify me in writing of the actions taken to resolve this issue. 

I am prepared to provide any additional information or documentation necessary to support my dispute. Please promptly address this matter and keep me informed of the progress of your investigation. 

Thank you for your attention to this critical issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
I have been called Multiple times a day by credit management company. I called the hospital to verify that there was no debt on my account and they confirmed that I notify the debt collector that the hospital verified. I had no debt and they argued with me saying that they are wrong and that I still had a debt of {$310.00}, but they also did this before I verified who I was so they were just gon na give my information to whoever was on the phone. Today I got called XXXX times total and XXXX weeks ago when they called the first time I told them to send it via postal mail and they tried to get my email information and refused to send it via mail, I have yet to receive anything and they keep calling me, even though I asked him to please stop contacting me as I have no debt to be collected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
XXXX XXXX  ( XXXX  ) INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 

XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 


XXXX XXXX INQUIRED ON XX/XX/XXXX. THEY DID NOT HAVE AUTHORIZATION TO PERFORM THE ACTS THAT THEY DID.

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 2024-06-04 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: IL

Complaint narrative:
I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.

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