vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: MI

Complaint narrative:
I am writing to file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, TransUnion which claims that the information has been verified, which I believe is not possible given the circumstances.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about your company 's compliance with these legal requirements.

Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on XXXX accounts that I believe to be inaccurate. 
XXXX XXXX XXXX open account with account # XXXX  opened on XX/XX/XXXX with a balance of {$37.00}, XXXX XXXX XXXX open account with account # XXXXXXX opened on XX/XX/XXXX with a balance of {$390.00} As per XXXX U.S.C. XXXX ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there is a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. 

I respectfully request that the CFPB investigate this matter and ensure that TransUnion complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly. I have included the FTC report which has all companies that they still have not removed off of 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 2024-11-17 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: MicroBilt / PRBC (formerly CL Verify)
State: NC

Complaint narrative:
The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a ( 4 ). 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

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 2024-11-17 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: AR

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was in a chapter XXXX and my mortgage was brought current. The Judge deemed my mortgage current. The mortgage company keeps sending people to my home and charging me for it. I have not missed a payment and they keep charging me additional monies. I am XXXX and hey are scaring me. The chapter XXXX said my account was current and I have been making every payment on time. They are charging me for payments that were paid in my XXXX. I am having to call them every week, I have been in tears and calling everyone I can but they keep harassing me till I had to pay the moneies that the Trustee already paid them. We are so scared that they are trying to take our home. they have a balloon from the real estate crash on the back of our mortgage.How do I get this situation resolved? I am XXXX and they are harassing us for monies not owed.

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 2024-11-17 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: FL

Complaint narrative:
I cosigned a XXXX auto lease with XXXX as a favor for a friend in XX/XX/XXXX. The vehicle was never in my possession, but I personally made sure all the scheduled payments were made on time even after I left the XXXX in XX/XX/XXXX. There was an accident when I was overseas, and I am told that this resulted in a dispute with a local dealer when the car was surrendered to the XXXX dealer at the end of the lease regarding repairs that were done by an unaffiliated garage. 
When I got turned down for a credit card due to negative information on my credit report. I got copies of my three reports and learned of the problem. The reports each contained conflicting information pertaining to the same lease. I have independently asked each of the credit bureaus to verify the information, and each of the credit bureaus have since informed me that they contacted XXXX and informed me of changes they have made updating their information on the lease. Several gross inaccuracies have been removed in the process, but the reports still contain reported late payments that are in conflict with one another for several months in XXXX. This was a period after the XXXX lease should have expired in XX/XX/XXXX. 
As a XXXX party to the dispute, I still do not really know what occurred since my now ex-friend and I do not communicate due to this matter. However, federal law requires that the information contained on my credit reports to be accurate and at least two of the three reports would have to be inaccurate since the three do not agree on the payment history.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cosigned a XXXX auto lease with XXXX as XXXX favor for a friend in XX/XX/XXXX. The vehicle was never in my possession, but I personally made sure all the scheduled payments were made on time even after I left the XXXX in XX/XX/XXXX. There was an accident when I was overseas, and I am told that this resulted in a dispute with a local dealer when the car was surrendered to the XXXX dealer at the end of the lease regarding repairs that were done by an unaffiliated garage. 
When I got turned down for a credit card due to negative information on my credit report. I got copies of my three reports and learned of the problem. The reports each contained conflicting information pertaining to the same lease. I have independently asked each of the credit bureaus to verify the information, and each of the credit bureaus have since informed me that they contacted XXXX and informed me of changes they have made updating their information on the lease. Several gross inaccuracies have been removed in the process, but the reports still contain reported late payments that are in conflict with XXXX another for several months in XXXX. This was a period after the XXXX lease should have expired in XX/XX/XXXX. 
As a XXXX party to the dispute, I still do not really know what occurred since my now ex-friend and I do not communicate due to this matter. However, federal law requires that the information contained on my credit reports to be accurate and at least two of the three reports would have to be inaccurate since the three do not agree on the payment history.

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 2024-11-17 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: IN

Complaint narrative:
By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 XXXXXXXX 15 U.S.C. 1681 Section 602 A :. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 and 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. 1681 1681 s-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 2024-11-17 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: IN

Complaint narrative:
By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 15 U.S.C. 1681 Section 602 A :. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 and 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. 1681 1681 s-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 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist account autoloan will not allow me to add XXXX as my banking institution to pay my loan from. It says it can not verify my account is mine and i've spoken to both account reps at truist and sofi and they blame each other with no resolution.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX, I asked Equifax to reinvestigate the following accounts on my credit report. XXXX - XXXX. They received my Letter on XX/XX/XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX equifax said that the accounts were verified. per 15 usc 1681i i have the right to request clarification of the method of verification. On XX/XX/XXXX i formally submitted my request for the method of verification. per the FCRA the company has 15 days to respond and as of today i have not received the method of verification paperwork that i requested and is lawfully entitled. according to the FCRA consumer reporting agencies hold a responsibility to publish 100 % accurate information. one quick glance at my credit report and i can spot inaccuracies. if an investigation was performed, they would have found these mistakes also. XXXX : the first error I spotted is " high credit '. XXXX and experian list the account as having a high balance of {$6700.00}, but equifax says the account high credit is {$5800.00}. This clearly not 100 % accurate. Which one of those high balance is 100 % acccurate? another obvious error is the date last active. XXXX has XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. how is it possible for one account to have different dates of last activity. these are examples of errors that i see and should have been identified when Equifax performed their reinvestigation.

its not hard to ee this account is no 100 % accurate please delete. its too late to reinvestigate that should have been done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
I am writing to formally request the removal of specific information from my credit report in accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting that you block any information related to debts incurred as a result of XXXX, as these fall under the protections outlined in the XXXXDebt Final Rule ( 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) ). 

In support of my request, I have provided the following required documentation : A valid picture ID A bill A letter from an advocacy group assisting me with issues related to XXXX XXXX and debt bondage As stipulated by the law, only two of these documents are required. I have provided all the necessary information to substantiate my claim as a XXXX  victim. Additionally, I have included a victim determination letter in accordance with 1022.142 ( b ) ( 6 ) to further validate my status.

In compliance with Section 605C of the Fair Credit Reporting Act, I kindly request that the information be blocked from my credit report within four business days. I trust this request will be processed in a timely manner, as required by law. 

Thank you for your attention to this matter. Should you require any additional documentation or have further questions, please feel free to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-18 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: MS

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows. 
Please delete any other references to names as they are not mine and I have never used any of them. 

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Phone Number 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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING ......

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING ......

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 2024-11-17 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT : # XXXX FROM XXXX XXXX XXXXXXXX, # XXXX FROM XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. STTAES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : II ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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