vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: TX

Complaint narrative:
No response back from the credit bureau or this company

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 2024-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I submitted to TRANSUION that the account XXXX XXXX SHOULD BE REMOVED OFF MY CREDIT REPORT ACCORDING TO SECTION 605 b of the fair credit reporting act Ive sent numerous of demands and my livelihood and credit report is damaged because TRANSUION fail to remove XXXX XXXX XXXX from my credit report if its not removed asap I will have no other choice but to file a civil suit against Transiuon for failing to report and protect my consumer rights which is a violation to section 605b

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 2024-08-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer re
port containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all CRA XXXX, XXXX XXXX XXXX. Date of last payment is different on al CRA XX/XX/XXXX, XX/XX/XXXX XXXX. Date of last late payment is different on all CRA XX/XX/XXXX, XX/XX/XXXX. 
Account balance is different on all CRA XXXX XXXX XXXX XXXX. Date account was closed is different on all CRA XXXX, XXXX, XXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX # XXXX TRANSUNION report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX Citadel # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. 

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and 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 non-monetary relief
Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all XXXX XXXX, XXXX  XXXX  2. Date of last payment is different on al XXXX  XXXX  XXXX, XXXX, XXXX XXXX XXXX 3. Date of last late payment is different on all XXXXXXXX XXXX XXXX XXXX XXXX 
Account balance is different on all XXXX XXXX XXXX XXXX XXXX. Date account was closed is different on all XXXX XXXX, XXXX, XXXX XXXX # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Citadel # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX  # XXXX EQUIFAX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. 

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-08-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB I am contacting you regarding Equifax. I submitted my FTC per request to have items that does not belong to me on my report that was opened using my name. Equifax did not block/delete per my request and instead did an investigation. The investigation will always come back as verified and still does not have any supporting documents. I DO NOT have an idea what these accounts are and nor who they belong to. 

The FCRA says that they must delete these accounts within 4 days of FTC affidavit receipt and they did not. I am tired of getting the run around from Equifax, I am trying to get my very first apartment and had no idea of these items until I applied and they explained what was going on. 

I have attached the Fair Credit Reporting Act letter in the event there is some type of misunderstanding. I submitted a new dispute under # XXXX to delete this closed and charged off accounts that I do not have any idea of. 

Equifax I am begging that you please fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-08-11 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: PA

Complaint narrative:
Consumer report agencys ( XXXX and Experian ) are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of error A person shall 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. 

the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii The information is, in fact, inaccurate. 

Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something The continued reporting of this inaccurate information is a clear violation of the Law 15 USC1681 s-2 of your responsibilities as a furnisher of information. 
They are furnishing XXXX which was charged off and sold. The alleged debt do not belong to XXXX no more. So furnishing this information on my consumer report is in violation of 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 2024-08-11 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX UNI Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
I logged into my credit card app, which shows my XXXX XXXX  credit score, to discover that it had dropped XXXX points. It was XXXX, so it has effectively been ruined. Apparently XXXX reported to Experian that I had a derogatory account, with a balance of {$350.00} dollars. It states that the account with XXXX was opened in XXXX of 2024 and closed in XXXX of 2024. I have no account with XXXX at all. My father has XXXX, and I am on a family plan with him, but the account is on autopay and is linked to his credit card and SSN. This would in no way impact my score ( plus the payments are up to date ). I called XXXX just to confirm what I already knew, that I had no account with them. They found nothing in their systems under my name and SSN. I filed a dispute with Experian. It makes you create an account with them before you can file a dispute. I noticed after I put my name and social in that it auto-populated my address and asked if the information was accurate. It was not, it was some address in XXXX, VA that I have never lived at in my entire life. I corrected the information and proceeded to file my dispute. It should also be noted that if you look through all of my accounts, not XXXX has ever been late or derogatory, and all of a sudden this XXXX one just pops up. Clearly something is wrong, whether it be a typo or fraud. I just received the results, and they are continuing to say that their information is accurate. I am beyond frustrated as it has ruined my credit and is completely false. Both Experian and XXXX have done little to help, and it seems their is a breakdown somewhere. If I have no account with XXXX, then how could they report a derogatory account with my SSN? Experian clearly did nothing, as I filed the dispute on Friday and received results on a Sunday. I have tried multiple times to call Experian, and it is impossible to speak to a live human being. This is truly ridiculous, and my next best option was to file a complaint, so here I am.

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 2024-08-11 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX UNI Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX M Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX UNI Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Applied for XXXX with XXXX, left papers with XXXX about XX/XX/XXXX On XX/XX/XXXX I receive an email from XXXX XXXX the loan was denied. A few days later I received a letter dated XX/XX/XXXX information requested more information as to further my loan decision. Did not bother reading the letter because my loan XXXX said it was denied. When I finally read it, I realized I had truly not been denied but XXXX XXXX had falsely told me I was. That letter also requested documents that needed to be signed by me that he did not include in the letter I had tried to get a heloc last year with the same bank and was denied. Since I was denied I added my daughter name to the loan. I figured I was denied the first time because Of high balances on my credit card being debt to credit ratio. I sent XXXX XXXX an email that if I did not need her added i prefer to do the loan in my name only. He never responded. XXXX XXXX sent papers for us to sign separately, to her and I twice. XXXX XXXX then sent papers to my daughter at an address that I have not lived at in 12 years. I took a picture of it and we signed them. I wrote a note to tell him please do not send information there as she doesnt stay there and she lives with me at this address. I also emailed him the same thing. Did not receive any confirmation that from that email of him breaking my privacy. XXXX XXXX ran my credit report twice in about 10 days because my daughter social security number was wrong in their bank. Not hers but mine. XXXX XXXX also after he denied my heloc last year, he offered me a truist credit card with XXXX percent interest and ran my credit report again.i was so desperate to get the crefit card not realizing he would be running my credit again because I just got turned down for the XXXX. On XX/XX/XXXX I received a letter that I have been denied the loan because XXXX loan is intended for owner/occupants with more papers for me to sign which he did not include. I have been a customer of truist for almost 30 years. Worked for them almost 8 years. Paid off two mortgages/ / XXXX loans. The house I tried to request and additional XXXX to my already XXXX heloc is paid off with an appraisal of XXXX. Because of this denial I had to get a hardship loan from my XXXX XXXX XXXX  wasted almost 2 months of my time trying to get a loan with truist. I intend to find a lawyer and bring this matter as he has broken every oath he was sworn to. At this point I dont know if I was treated this way if because I was black or a female I intend for the law to tell me why!!!!!

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