vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccuracies on Credit Report To whom it may concern, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. I respectfully request that you investigate the following inaccuracies, and in accordance with the Fair Credit Reporting Act ( FCRA ), remove or correct the erroneous entries. 

The inaccuracies I have identified are as follows : XXXX. XXXX Account # : XXXX Discrepancy : Incorrect history payment Under 15 U.S.C. 1681i ( FCRA 611 ), I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency must investigate my dispute within 30 days, and if the information is found to be unverifiable or incorrect, it must be deleted.

Additionally, under 15 U.S.C. 1681b, a consumer reporting agency is only permitted to furnish consumer credit reports for certain purposes, including when the information is accurate and when the user of the report has a legitimate business need to access it. If an account listed in my credit report can not be verified or is found to be inaccurate, it no longer meets the criteria for permissible use under this section. Therefore, it must be removed from my credit file to ensure compliance with the law. 

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer 's credit report. If an inaccuracy exists that can not be verified or substantiated, the reporting agency has a responsibility to correct or remove it. Failure to do so constitutes a violation of this section of the FCRA.

Finally, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692e ( False or misleading representations ) and 1692f ( Unfair practices ), it is illegal for creditors or debt collectors to report inaccurate or misleading information to consumer reporting agencies. The failure to correct inaccurate data is a violation of these protections and may result in legal consequences. 

I request that you conduct a thorough investigation into this matter and correct or delete the inaccurate entries from my credit report as required by law. Please notify me in writing of the outcome of your investigation. 

Thank you for your attention to this matter. I expect a prompt resolution in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: DC

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX FAILED TO PROIVDE PROPER NOTIFICATION WITH " CERITIFED MAIL '' NO RECEIPT WAS PROVIDED SHOWING MY SIGNTURE AS REQUESTED. PLEASE DELETE Account # XXXX ASAP OFF MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
Equifax is incorrectly reporting a XXXX credit card account that does not belong to me. I have disputed this issue multiple times, yet I have received no response or updates. It has now been well over the allowed 30 days on several occasions, and Equifax has failed to resolve this matter. I demand that you remove this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: DC

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX Reporting To All XXXX  Acct # XXXX XX/XX/XXXX Balance owed {$1.00} XXXX XXXX Reporting All XXXX  Acct # XXXX XX/XX/XXXX Balanced Owed {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT SEVERAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. A HARD INQUIRY WAS REMOVED ACCOUNT NAME XXXX & NOW ITS SHOWING AS A NEW CREDIT INQUIRY MADE IN XX/XX/year> - XX/XX/year> FROM MY UNDERSTANDING YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT AND ENSURE ITS ACCURACY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Subject : Disputed Account Removal and Verification of Debt Request for Deletion from Credit Report To : All Credit Bureaus ( XXXX, Equifax, XXXX ) I am writing to notify you that I recently disputed two charge-off accounts listed under my name with XXXX XXXX XXXX on my XXXX credit report. After the dispute process, XXXX completed its investigation on XX/XX/year>, and completely deleted the accounts from my XXXX report. 

The disputed accounts in question were for the following amounts : {$590.00} account : XXXX {$760.00} account : XXXX As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I am entitled to request the removal of any unverifiable or incorrect information from my credit report. Since XXXX has completely removed these charge-off accounts due to their inability to verify the debt, I believe it is in violation of consumer protection laws for these same unverifiable accounts to remain on my records with your agency. 

Given that XXXX has deleted these accounts due to their inability to verify the debt, I request that you conduct a thorough investigation into the matter and remove these unverifiable accounts from my credit report within 30 days or less. The Fair Credit Reporting Act ( FCRA ) mandates that you correct or delete any unverifiable information within a reasonable time frame. Failure to comply with this request could result in legal actions. 

I would also like to remind you of the following legal protections under the FCRA : Section 611 of the FCRA : If any information is disputed by the consumer, the credit reporting agency must investigate the claim and, if the information can not be verified, must remove it from the consumers report within 30 days.

Section 616 and 617 of the FCRA : If you willfully or negligently fail to comply with the requirements of the FCRA, I am entitled to pursue legal action, which may include suing for damages, as well as seeking statutory damages of up to {$1000.00} for willful violations.

Section 605 of the FCRA : The removal of unverifiable debt is not only a right but a requirement. If information is found to be inaccurate or unverifiable, it must be deleted promptly. 

Therefore, I respectfully request that you remove the two charge-off accounts from my credit report within 30 days due to their unverifiable nature. Should these accounts not be removed in the required timeframe, I will not hesitate to take legal action and will explore all available options to protect my rights under federal law. 

Please confirm the removal of these accounts in writing or by updating my credit report as soon as the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/year> My husband and I decided to use Wells Fargo for our home mortgage. We rate locked with Wells Fargo at 6.5 % no discount points XX/XX/year>. When filling out the initial application we submitted both me and my husband 's W2s as requested. They did not include my husband 's income in the loan application. I asked why, and they said that it was not required since my income was enough to qualify. Then, XX/XX/year>, a new document for a new interest rate at 6.5 % with XXXX in discount points was uploaded into our loan portal with no explanation. We reached out and asked why the interest rate is changing even though we already signed the rate lock. They said it was because they are now deciding to include my husband 's income in the loan process, which means that we don't qualify for some lower income interest rate reduction. Therefore, they locked us into the loan, waited until it was too late for us to find a a new lender, ( closing date is XX/XX/year> ), then changed the interest rate, and are not responding to my phone calls. The situation was escalated to their escalation team on XX/XX/year>. We received no call backs from the team. We called back everyday asking for updates. We only received one call back on XX/XX/year>, where they told us that they haven't done anything with our file yet but that they assigned a case manager. On XX/XX/year> the case manager stated she would call back within 48 hours with an update. She did not call back, and we have not heard from her since that call on XX/XX/year>. Since then we called back several times for updates, have been sent to voicemail, left voicemails requesting calls back, and have not received calls back. We are not being kept in the loop in the process, and they are not communicating with us. Our closing date is in a few days, and we don't know what our interest rate is. We need to report this for the predatory loan practices that they are utilizing at Wells Fargo, and the lack of communication and response to our complaint in a timely manner. 
XX/XX/year> We officially heard back from Wells Fargo, and they informed us that they concluded they are not going to adhere to the rate lock agreement. They did not give us an opportunity to speak on our behalf and did not involve us in the decision making process. They did not call us to give updates, only to tell us that they are not putting the rate back down. They waited to resolve the issue until it was too late for us to switch lenders. We had submitted a complaint with the XXXX XXXX XXXX, and they never even responded to the complaint. This needs to be escalated as far as it can go to warn people about these predatory loan practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have spoken to Am Ex since they deleted my social security number and had to ask me for the information. I requested an identity theft packet and told them I have a police report as there has been identity theft, and that I had a police report. The case number they gave me is XXXX XXXXXXXX, after a very long call insisting that the fraud department handle the situation. I need the American Express executive resolution team to call me at XXXX. To date they have refused to get an identity theft packet mailed to me. I have faxed them all my prior addresses and they finally got my statements to me. I also need AM Ex to get me a copy of credit reporting statement and score that they received previously when requesting my creditin the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation