vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-28 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-28 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-28 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  Transunion and XXXX XXXX will not remove this account from my credit report. 

I sent XXXX a debt validation letter and they refused my certified letter. 

I waited XXXX  days and even though this account shows a XXXX balance they will not remove it from my report even though the original creditor told them REMOVE IT! 
So no one can verify any account so you have to remove it but transunion refuses!! 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the details of the debt, including but not limited to : The original creditors name and address. 
The total amount of the debt. 
A copy of the assignment contract that transfers ownership of the debt to your agency, if applicable. 
Please provide this documentation within XXXX  days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). If the debt can not be validated, I request that it be removed from my credit file. 

Thank you for your prompt attention to this matter. Please contact me at XXXX 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 2024-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: NEXA Mortgage, LLC
State: SC

Complaint narrative:
On XX/XX/year> My Wife and I spoke with XXXX XXXX XXXX from Nexa Mortgage about possibly starting the process of applying for a mortgage. After our conversation he assured me that he could get my Va home loan done. So at that point my wife and I proceeded with the process. We knew there were some credit challenges, but was assured they could be overcome with no problem. We were never told about the restrictions that the Va has when comes to credit. Based on his word and providing us with what can only be assumed as a false pre-approval we went under contract for a home and proceeded to pay {$17000.00} in earnest money in which we could not get back which was expressed to XXXX XXXX numerous times. He was also made aware that the builder wanted an conditional approval in a certain time frame. After the earnest money was paid XXXX XXXX started to talk about needing to get my credit score up in order to submit my application to get a product as he called it. That's when he started talking about paying for his credit repair. At that point in time I really didn't have a choice in the matter because I would have lose my earnest money and the house so I was in a hard position. So on XX/XX/year> I made a cashapp payment to XXXX XXXX in the amount of {$670.00} for credit repair which he called XXXX XXXX. After that he was hard to get a hold of most of the time. Then XXXX XXXX explained to me that we need to clean my wife 's credit up also. So on XX/XX/year> I sent XXXX XXXX {$670.00} for credit repair for my wife. Then on XX/XX/year> {$470.00} to XXXX XXXX for a XXXX  XXXX. I believe XXXX XXXX would have continued to scam me and also he has all my information and at this point I feel like he is free to do with it as he pleases. I am sure I'm not the first or the last that XXXX XXXX has done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I'm disputing this account on my Experian report because I believe there is an error. According to the XXXX XXXX XXXX XXXX  guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the XXXX collection agency to no avail, and I would like to request that Experian XXXX this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.

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 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Received phone calls to me from family members in others states at all hours of nights. Was calling me after repeatedly informing them that this is my work phone and work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
As further proof that you the credit reporting agency are intentionally and constantly violating my rights under the consumer credit laws by continually reporting accounts that I previously identifed as inaccurate, I direct your attention to the attached page XXXX of the XXXX XXXX XXXX, Credit Bureaus, Credit Scoring, and Related Policy Issues which was Updated XX/XX/year>. This report confirms that there is no federal or state law that mandates reporting and that you the credit reporting agency receive regular fees from the credit furnishers for reporting accounts even when inaccurate. For example, there are XXXX credit furnishers ( XXXX and XXXX XXXX XXXX ) that you are conspiring with to deprive me of my rights under the consumer credit laws. XXXX and XXXX XXXX XXXX sued me for alleged debts I do not owe but the cases were dismissed. I am attaching the XXXX case jackets showing these cases were dismissed. Therefore these inaccurate accounts XXXX XXXX and XXXX XXXX XXXX and XXXX should have been already deleted. Yet you the credit reporting agency continue to report them to obtain unjust enrichment. I also previously contacted you the credit reporting agency via this same portal CFPB to inform you that if these accounts ( XXXX and XXXX XXXX ) are showing as charged off, that is also a violation as charged off accounts according to the XXXX XXXX XXXX are considered income and are not collectible. Yet you the credit reporting agency continued to conspire with the credit furnishers to report this information thus slandering my character and causing perpetual and permanent harm. I am also attaching documentation where I asked the credit furnishers for these forms XXXX but they have refused which is further proof of their abusive, deceptive and illegal practices.

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 2024-12-28 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: WA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-12-28 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: LA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent inquiries have been made on my credit report. I am requesting that the following fraudulent inquiry be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiry : XXXX. XXXX XXXX - XX/XX/year>

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 2024-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I was never notified of this collection, progressive does not own this debt anymore and I was never contacted by Caine and Weiner. I am requesting a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Set direct payment in order for Lexington Law to repair my credit score it never happened they just took my money nothing never happened

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

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 2024-12-28 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: IL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I keep getting denied for new loans based on affirm being unable to verify my identity despite never once asking me to do so. All emails and calls result in no insight. I don't care if they don't want to loan to me but I want to know what the actual reason is. Their reason is ridiculous. I possess the power to verify my identity but they never give the opportunity. It feels like a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AL

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 non-monetary relief
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
I have a issue involving the unauthorized use of my credit report by XXXX XXXX XXXX, which has been reported on my credit file by the three major credit reporting agencies : Experian, XXXX, and XXXX. 

I believe that XXXX XXXX XXXX has accessed and used my credit report without my consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section limits the use of a consumer 's credit report for certain purposes, including requiring entities to have a valid reason for obtaining and using a 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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
After Goldman Sachs clearly stated that they removed an account from my credit report, Goldman Sachs reinserted the account on XX/XX/year>. In CFPB complaint XXXX the bank states that the closed the accounts and I was not liable for these accounts. This was stated on the XXXX of XXXX, after the reinserted and stated that the items were removed. Goldman Sachs is clearly being dishonest and I will be moving forward with a lawsuit against the company for charges unknown at the moment. I will be seeking legal council because it is obvious that the bank is lying to the CFPB in order to continue to ruin my personal life by destroying my credit. I have attached a screenshot of the current credit report showing the reinsert of the same account that they claim that they canceled on XXXX XXXX. The account was not on my report prior to the XXXX. I have attached the statement from Goldman Sachs from their CFPB response. They claim that on the XXXX they submitted a request for removal and then on the XXXX the account was resubmitted to my XXXX report.

Company response to consumer: Closed with non-monetary relief