vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: AZ

Complaint narrative:
I am requesting an update to several accounts in my credit profile, which appear to be incorrect. Under the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to comply will result in a violation of the Act and may prompt an investigation by the Federal Trade Commission : 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 Balance Owed : {$260.00}. Provide evidence that these accounts are valid and that my rights have been respected. If no such evidence is available, promptly update the inaccurate account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-05 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: AZ

Complaint narrative:
Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.

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 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: TX

Complaint narrative:
Name company : CREDIT CONTROL LLC Address. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Acct number XXXX Law 15 usc 1692c9 ( c ) If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated.

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 2024-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Hello, I contacted Mr. Cooper about fraudulent escrow charges. Mr. Cooper lied about my taxes amount due and continually overcharged me the last XXXX years. I tried calling them and I can not reach a customer service rep by phone, because it says my account is paid in full. On XX/XX/XXXX, I was able to reach a rep in the chat and they would not answer my questions nor would the request an audit on my account. What tipped me off, they sent me a check for {$76.00} but stated my account was {$72.00} short. I asked the rep, why didn't you all take the extra funds and pay the shortage? They said, too late we can't do that. I've never heard of that, that's why I paid the extra to prevent a shortage. This made me think, Mr. Cooper stopped the city from sending me my tax statements, so I would not know how much my taxes were. The statements are going to them. I checked my taxes and lo and behold. I am being overcharged for escrow. I have proof and I have proof of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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 contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 


The following inquiries are incorrect : XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-05 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:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 non-monetary relief
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain items contained in my credit report maintained by your bureau. This letter serves as a follow-up to my initial complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ), wherein the items in question were deemed accurate by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), I am entitled to request and receive a detailed reinvestigation of the disputed items. I hereby request that you reinvestigate the following item from my initial CFPB complaint and provide a detailed explanation of the source of information you used to return a verified response : XXXX XXXX Account Balance : {$2400.00} Date Opened : XX/XX/XXXX Please be aware that under FCRA 611, you are required to conduct a thorough reinvestigation of my dispute. If, upon reinvestigation, you can not verify the source of the information used to substantiate the accurate status of the contested item, you are obligated to delete this item from my credit report. Additionally, be advised that willful noncompliance or negligent noncompliance with the FCRA may result in litigation for any credit denials or damages that arise from the continued presence of inaccurate information on my credit report. Should this matter not be resolved to my satisfaction, I am prepared to take further action to protect my rights, which may include initiating litigation. To assist you in your reinvestigation, I am including copies of relevant documents that support my claim. These documents include : CFPB Complaint XXXX XXXXXXXX XXXX Identity Theft Affidavit I expect a response from your office within the 30-day period mandated by the FCRA. If you are unable to verify the accuracy of the disputed item, please delete it from my credit report and provide me with an updated copy of my credit report. Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-07-05 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-07-05 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-07-05 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-07-05 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-07-05 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 formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Transunion, and was marked as verified. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601. 
Disputed Account Information : Account Name : XXXX XXXX - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation. 
**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly. 

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found. 

2. *XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under XXXX. Fair and transparent business practices must be maintained to prevent consumer harm. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information.

*Dodd-Frank Wall Street Reform and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies.

*Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information

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 2024-07-05 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-05 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 formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Transunion and was marked as verified. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601. 
Disputed Account Information : Account Name : XXXX XXXX XXXX Account number : XXXX  - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 

XXXX XXXX XXXX XXXX and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies.

- *Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information

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