vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
According to the Fair Credit Reporting 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX, and Equifax are consumer reporting agencies. As a Federally protected consumer who has rights, that according to 15 U.S.C 6805 ( a ), that are to be enforced by the Bureau of Consumer Financial Protection. 
XXXX, XXXX, and Equifax are reporting in accurate information which I have written and filed two dispute letters in reference to XXXX XXXX XXXX Which they seemed to have ignored. 
XXXX, XXXX and Equifax are a " Company '' by definition, according to 12 CFR 362.2. Reasonable policies and procedures concerning accuracy and integrity are imperative. Which these companies are failing to perform. 
I ask that you please review and I demand that this account be removed immediately. 
thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
According to the Fair Credit Reporting 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, Experian, and XXXX are consumer reporting agencies. As a Federally protected consumer who has rights, that according to 15 U.S.C 6805 ( a ), that are to be enforced by the Bureau of Consumer Financial Protection. 
XXXX, Experian, and XXXX are reporting in accurate information which I have written and filed two dispute letters in reference to XXXX XXXX XXXX, Which they seemed to have ignored. 
XXXX, Experian and XXXX are a " Company '' by definition, according to 12 CFR 362.2. Reasonable policies and procedures concerning accuracy and integrity are imperative. Which these companies are failing to perform. 
I ask that you please review and I demand that this account be removed immediately. 
thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: VA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
Flagship acceptance shows an inquiry on my credit on XX/XX/23 I DIDNT APPLY FOR THIS ACCOUNT, I WAS A VICTIM OF THEFT, MY IDENTITY WAS COMPromised, Most people will say this is petty, but i have an awesome score and take great pride in my credit. Im asking for an immediate removal of the inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
I am REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of inaccurate information from my credit report as allowed under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ).

Upon reviewing my recent credit report, I have discovered several inaccuracies that are affecting my creditworthiness and financial standing. The FCRA mandates that consumer reporting agencies provide accurate and up-to-date information, and my credit report must reflect this requirement.

Under 15 US Code 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my credit report violate this provision, and I am requesting immediate correction.

15 US Code 1681e ( b ) Accuracy of report 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.

Furthermore, under 15 US Code 1681i ( 5 ), I can dispute inaccurate information directly with the consumer reporting agency.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

I am formally disputing the following inaccuracies in my credit report : 1. Please Remove the following inaccurate accounts : Radius Global Solution XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) must be removed I didn't authorize a reporting of this personal info! 


Please investigate these discrepancies promptly and remove any inaccurate information from my credit report in accordance with the law. I also request that you provide me with a written confirmation once the corrections have been made. 


Please send me a copy of the updated credit report reflecting the changes made. I appreciate your prompt attention to this matter in compliance with the FCRA. 
Thank you for your cooperation in resolving this issue. If you require any further information from me, please do not hesitate to contact me through mail. 


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 2024-05-16 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: CA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within XXXX  days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

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 2024-05-16 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:
I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within 30 days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within 30 days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

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 2024-05-16 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX After your investigation the account still is reporting late for XXXX & XX/XX/year>. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX & XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I have requested my inquiries be removed from my XXXX XXXX XXXX and transunion report to date still has not been successful. I have tried everything but it is being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I have requested my inquiries be removed from my Experian and XXXX XXXX XXXX report to date still has not been successful. I have tried everything but it is being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Thank you. 

We purchased a home in XXXX XXXX, Ca in 2022. 

Recently this year, we were informed that our mortgage with XXXX XXXX XXXX  was sold to XXXX  Mr Cooper. 

We're concerned about the following : 1 ) " Mr. Cooper '' has changed the amount of our mortgage -- @ {$200.00} less without explanation 2 ) Most importantly -- -I need to verify that they are paying our flood insurance through an escrow account.

**** They are UNREACHABLE by phone or otherwise -- -all robots.

3 ) they have my name listed wrong which I'm concerned will cause a problem. 
XXXX XXXX ( usually XXXX on computers ) they have it as : XXXX XXXX XXXX aka wrong last name and I can not reach them, -- It seems unethical and should be illegal -- to take over a mortgage without permission, change the name on the mortgage and then be unreachable.

please advise and thank you so much for this service. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked EQUIFAX for the reason why they would removed the credit freeze that I have had in place since 2011. I have yet to get a response. I have asked EQUIFAX if the removal of the credit freeze that I placed in 2011 is the result of their very public security breach to which they REFUSE to provide such information or supply proof of a request to remove it by me. For my own personal reason, in 2011 I placed credit freezes on all three ( 3 ) credit reports only for Equifax to remove it without my permission, when I learned several months ago, that someone accessed my credit report without my permission. In order for someone to do so I should have been able to provide a PIN number to remove it in order to gain access to it. Instead, the requested received full access to my Equifax report and that is how I learned that the freeze was removed. When I asked Equifax directly, I was immediately given he runarounds and never given an answer. In fact, they have constantly asked me to provide proof of who I am when in fact, I have been asking them to evidence of the request to remove the freeze because it was not me. By demanding that I prove who I am makes me wonder if they asked the same to have it removed, because I never received a request. All of their misdirections gave me reason to be concerned that this is nothing more than a security breach by Equifax and they would rather cover up their ineptitude rather than admit to it. I have called repeatedly and with every call I had this overwhelming feeling that I wasn't actually speaking to a representative of Equifax so I was reluctant to provide any personal identifiable information especially when they asked that I provide PII. When I would ask for a manager/supervisor, someone would either hang up on me or pretend to be a manager/supervisor. 

I say it loudly, I NEVER requested to have the credit freeze removed from my Equifax report. I have every right to be reluctant of every representative I've spoken to, the website that redirects me to a number to call versus other forms of communication like that of XXXX or XXXX. 

With all of the identity thefts and criminalities that is going on in the world especially in the wake of the pandemic, I have every right to be apprehensive about their requests and proof of who I am when it wasn't a requirement of a scammer looking to gain my PII. Additionally, it truly disgusts me that a 3rd party credit reporting bureau who answers to the CFPB are allowed to behave as if they can't be held accountable for their actions. All I ask is that the freeze be placed back onto my credit profile with the original pin that I created when I placed a freeze on my report back in 2011. It's not that difficult to do.

Company response to consumer: Closed with explanation