vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2024 I sent TransUnion and XXXX a letter to remove inaccurate information from my credit report. Per the FCRA, they are required to do a reasonable investigation within 30 days of receipt of this letter. I have yet to receive an update and they have failed to remove the inaccurate information from my credit report. 

My letter to both companies states : I recently pulled a copy of my credit report dated XX/XX/2024 and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, I demand that this account be REMOVED immediately. XXXX XXXX violated UCC Code by : False reporting to a credit bureaus. Ally was involved in a $ XXXX Class Action Lawsuit and there was a judgement passed down stating that any derogatory information associated with this company has to be removed from consumer records and there was also predatory lending and unfair treatment of consumers. This account has stopped me from getting approved for a mortgage and other credit extensions. 

I am listing this account below in case you need to verify it prior to REMOVING it. 
1. XXXX XXXX  2. Account Number : XXXX 3. Reason for dispute : This account is to be deleted by grantor because of a class action lawsuit.

4. REMOVE FROM MY REPORT -15 U.S. Code 1681 is a section of the U.S. Code that includes congressional findings and a statement of purpose. The section includes the following findings : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports can impair the banking system 's efficiency.

Unfair credit reporting methods can undermine public confidence in the banking system.

-As per the UCC , 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

-As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter.

I hope that your company will take this serious so that I don't have to make further complaints. 

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 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-04-05 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached

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 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC
State: FL

Complaint narrative:
UHG 1, LLC A debt collector threatens to sue me and garnish my wages. It was a credit card company sold my debt to UHG 1, LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ready Capital Corporation
State: MS

Complaint narrative:
On XX/XX/23 my house burned. We went through the process with our insurance company and they totaled our home. They sent us a check made out to us and our mortgage company GMFS ( loan servicing company ) which is a VA loan! My wife and I endorsed the check and mailed it certified mail to the company. During this time we were getting numerous late notices. My wife called the company and they told her the insurance claims department received the check and had it on hold. My wife explained to them that our house burned and there was no fixing it. We wanted to apply the insurance check towards the amount owed to pay off our home so we could rebuild. The company told my wife to send a letter requesting that they apply the check to pay off our home and send it through the website they gave her and it would take a few days to process. We waited a few days and my wife called back because we were getting numerous letters in the mail stating we were behind on our payment and the fees were racking up. They told us they received the letter we sent telling them to apply the insurance check towards the payoff but no one could tell us what to do next except pay more money that was unfairly charged to us. They have the money to payoff the house and they are holding the money. Our statements show that the money has not been applied to our balance and the amount goes up daily. We have called the company and I have even went to the companys office in XXXX, XXXX to try to talk to someone about what I needed to do to get my home paid off. No one could tell me. We have spent hours on the phone. Getting transferred to numerous departments for which none of them can tell us how to get them to apply the insurance check towards our loan to pay off our home. In XXXX the GMFS company quoted our insurance adjuster the payoff and our insurance company cut the check, since then the have added numerous fees to which we owe them the insurance payoff plus over {$3000.00} and my credit it getting worse by the day so it will be hard for me to obtain another mortgage for a while. I am a XXXX  and this is a VA loan, I am saddened and angry as to how my family and I are being treated by this company. Today a notice was taped on the door and I am afraid they are going to start a foreclosure process on our property. I could see it if we were not trying so hard to pay off our loan. We have already lost enough when our home burned. Now we have been fighting with our mortgage company to apply the insurance check to payoff what is owed to them so we can start rebuilding our lives! This makes almost XXXX  months we have endured this with XXXX, it saddens me to think of how many other people get the run around from this company!

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-05 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-05 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: FL

Complaint narrative:
On the dates of XX/XX/XXXX, and XX/XX/XXXX, I reached out to the agency through certified mail, informing them that I had been subjected to identity theft. Yet, as of XX/XX/XXXX, the agency persists in including the fraudulent information in their reports. Under Section XXXX, which covers the Blocking of Information Resulting From Identity Theft, it is mandated that consumer reporting agencies alert the entities providing the information, such as banks, that the details might stem from an instance of identity theft, corroborated by an identity theft report. I supplied them with the FTC report number XXXX, along with a requested block on the disputed information. Following such notification, Section XXXX ( a ) ( XXXX ) obligates the providers of this information to cease the reporting of any details in a consumer 's file that the consumer flags as resulting from identity theft. This action should be taken no more than 4 business days following the receipt of ( 1 ) proper verification of the consumer 's identity ; ( 2 ) a duplicate of the identity theft report ; ( 3 ) consumer indication of the specific information in question; and ( 4 ) a declaration from the consumer that the disputed information does not pertain to any transactions initiated by them. 
I have fulfilled all four of these stipulations, and documentation supporting this claim will be appended to my complaint. Currently, the agency has not adhered to the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which obligates the blockage of any information in my file that I have pinpointed as deriving from identity theft within 4 business days of them receiving such notice. This neglect constitutes a breach of law and renders the agency civilly liable for willful non-compliance, with me entitled to any actual damages incurred as a consequence of this oversight, as per 15 U.S. Code 1681n.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently got a divorce and the Judge gave me back my maiden name and I did send to all three credit agencys. So I ask for my report and it still says XXXX XXXX and that isn't my legal name anymore, it's XXXX XXXX. I also sent letters for them to remove old addresses because according to the XXXX, it isn't delivery mail. They won't take off. They told me to take out more credit cards so I did, they said my score would go up. Not ur went down. I'm a XXXX XXXX XXXX and I'm trying to get my life in order. HELP

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just recently got a divorce and the Judge gave me back my maiden name and I did send to all three credit agencys. So I ask for my report and it still says XXXX XXXX and that isn't my legal name anymore, it's XXXX XXXX. I also sent letters for them to remove old addresses because according to the XXXX, it isn't delivery mail. They won't take off. They told me to take out more credit cards so I did, they said my score would go up. Not ur went down. I'm a XXXX  XXXX XXXX  and I'm trying to get my life in order. HELP

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 2024-04-05 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: CT

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. 

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-04-05 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: CT

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. 

has violated my rights. Or a list of inquiries : 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 2024-04-05 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: TX

Complaint narrative:
Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered XXXX Charge of account records from XXXX However, I firmly believe that this CHARGE OFF entry is incorrect and should not be associated with my credit history. 

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. 

Acct XXXX : XXXX  Acct # XXXX Acct XXXX : XXXX Acct # XXXX has violated my rights. 

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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: MD

Complaint narrative:
The report is more than 7 years old. As per seven years is the Fair Credit Reporting Act ( FCRA ).

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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