vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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:
I've noticed that there is still an account on my credit report that is being falsely confirmed to be accurate. Nothing has been done to fix or eliminate this erroneous data, even though the material I've supplied amply demonstrates that it is false. 

A proper inquiry and correction of disputed information are required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which is violated in this case. Please conduct a quick follow-up investigation and make sure that the inaccurate information is either fixed or deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
In XXXXXXXX XXXX XXXX  my mortgage company, XXXX XXXXXXXX XXXX XXXX XXXX ) sold my mortgage to Select Portfolio Servicing ( SPS ). 

I was laid-off from my job in XX/XX/year>. I filled out a mortgage assistance application for both my old mortgage company XXXX and SPS. 

SPS keeps requesting ridiculous updates to my application to move forward with the application. Every time they request an update, they push their 'decision ' date out 30 days. I began this process in XX/XX/year>. It is now XX/XX/year>. 

They also stated that they were not a mortgage company, yet I have resumed making my monthly mortgage payment to them as I am now employed again. 

I am not sure if this is a stall tactic they are using, but the updates they are requesting would have no bearing on their decision and seem unfounded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
TRANSUNION HAS STOP MY DISPUTES ON XXXX ACCOUNTS AND XXXX HARD INQUIRIES THE ACCOUNTS I WANTED TO BE DISPUTED AND BLOCKED KEEP IN MIND THESE ACCOUNTS WERE NEVER BLOCKED BY TRANSUNION BEFORE AND THE ACCOUNTS I WANTED TO DISPUTE AS FRAUD/IDENTITY THEFT 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 TRANSUNION HAS BLOCK MY ABILTY TO DISPUTE ACCOUNTS ONLINE AND IM UNABLE TO DO SO

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 2024-10-15 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the COVID-19 pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. Explanation of Circumstances : I was financially affected by the XXXX pandemic, resulting in a loss of income and unemployment during [ XXXX ]. During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines. The complaint is regarding the below accounts on my credit file : 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Please see letter sent to Mosaic XXXX team and their Customer service who refused to allow me to speak to a supervisor or manager to file my complaint against their negative reporting of what they claim is late payment even though they have been set up for XXXX since this Solar loan inception back in XXXX. They always received their payment every single month on time through the XXXX set up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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've noticed that there is still an account on my credit report that is being falsely confirmed to be accurate. Nothing has been done to fix or eliminate this erroneous data, even though the material I've supplied amply demonstrates that it is false. 

A proper inquiry and correction of disputed information are required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which is violated in this case. Please conduct a quick follow-up investigation and make sure that the inaccurate information is either fixed or deleted 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 non-monetary relief
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
I've noticed that there is still an account on my credit report that is being falsely confirmed to be accurate. Nothing has been done to fix or eliminate this erroneous data, even though the material I've supplied amply demonstrates that it is false. 

A proper inquiry and correction of disputed information are required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which is violated in this case. Please conduct a quick follow-up investigation and make sure that the inaccurate information is either fixed or deleted 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 2024-10-15 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: 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2024-10-15 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 explanation
Consumer complaint received 2024-10-15 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: GA

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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-10-15 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 explanation
Consumer complaint received 2024-10-15 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:
I have noticed that, even though the proof I have supplied shows that the information on one of the accounts on my credit report is false, the account is still listed as accurate. No changes or deletions have been made to the documentation that I previously supplied.

This inaction is a violation of 15 U.S.C. Section 1681i, a provision of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting organizations to thoroughly investigate and rectify any erroneous information. I'm asking for this false information to be fixed or eliminated from my report, as well as a reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-15 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: MI

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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX XXXX XXXX XXXX hereby submit this formal criminal complaint regarding a fraudulent transaction committed against me by XXXX XXXX XXXX, residing at XXXX XXXX, XXXX XXXX, with an account number XXXX at Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

The incident in question involves XXXX XXXX fraudulently creating a fake email address in the name of the President of the XXXX XXXX XXXX, XXXX, and using said email ( XXXX ) to deceive me into transferring a sum of USD XXXX to her. Upon discovering the fraudulent nature of this transaction, I engaged in an extensive dialogue with Bank of America, contesting the legitimacy of the transaction. 

On XX/XX/year>, I received the following response from Bank of America regarding my claim ( Claim No. XXXX ) : " Your claim for {$3700.00} has been denied due to no funds being available to return. '' Based on this denial and the fraudulent actions committed by XXXX XXXX, I seek to initiate criminal proceedings against her for fraud and any other applicable charges under American law. 

I have already complained the same to XXXX XXXX  and FBI with no response and attaching the XXXX copy accordingly I kindly request that this matter be thoroughly investigated and that appropriate legal action be taken to hold XXXX XXXX accountable for her fraudulent activities. Please answer me through mail as the timings of XXXX and XXXX varies totally and unable to have the conversation over phone and I am unable to understand the American ascent of the XXXX by XXXX XXXX, XXXX XXXX, Bank of America and she is unable to understand my XXXX XXXX. 

Please help help me in this regard. 


Regards Thanking you Yours XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2024-10-15 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: WA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-10-15 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: WA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-10-15 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 have noticed that, even though the proof I have supplied shows that the information on one of the accounts on my credit report is false, the account is still listed as accurate. No changes or deletions have been made to the documentation that I previously supplied.

This inaction is a violation of 15 U.S.C. Section 1681i, a provision of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting organizations to thoroughly investigate and rectify any erroneous information. I'm asking for this false information to be fixed or eliminated from my report, as well as a reinvestigation.

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 2024-10-15 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: TX

Complaint narrative:
I have noticed that, even though the proof I have supplied shows that the information on one of the accounts on my credit report is false, the account is still listed as accurate. No changes or deletions have been made to the documentation that I previously supplied.

This inaction is a violation of 15 U.S.C. Section 1681i, a provision of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting organizations to thoroughly investigate and rectify any erroneous information. I'm asking for this false information to be fixed or eliminated from my report, as well as a reinvestigation.

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