vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Company not responding email send documents for loan modifications, land was divided as family subdivision, lots financial interest of other part, first doing loan modifications second try beyond scope of there financial interest of property, house alone tax value at {>= $1,000,000} there interest in default mortage only {$650000.00} loan start up balance, they more party who own part of land which fully subdivided they try go after more what there balance, over all parcel and house worth XXXX. They refuse to modify dont respond email and application submitted for loan modifications. Mortage fraud started company organically started loan this selene finance loan, i sent offer to settle loan {$500000.00} no response and also no loan modifications option. This mortgage company is total fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to request the removal of certain accounts from my credit report, as I am a victim of XXXX XXXX. The debts in question are a result of XXXX-related debt bondage, which is addressed under the XXXXDebt Final Rule ( 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ) ). In line with Section 605C of the Fair Credit Reporting Act, I kindly ask that this information be blocked from my credit report within four ( 4 ) business days. I appreciate your understanding and prompt attention to 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have called multiple times to have an old address of my brother 's home address removed from credit report I no longer get mail there and that old address has been updated to my current address so the information reporting is inaccurate. 
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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding a collection account that appears on my credit report, managed by Portfolio Recovery Associates. I believe this account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

Details of the Issue : 1. Invalid Account Information : The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect.

2. Failure to Provide Validation : Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor.

A copy of the original agreement or contract that created the debt.

A full account history showing how the debt was calculated.

Proof that the agency has legal authority to collect the debt.

3. Lack of Original Creditor Information : The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account.

This invalid account is negatively impacting my credit score and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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 2024-11-18 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: NJ

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 2024-11-18 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: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
After careful review of all documents you have provided, this debt does not belong to me. You have failed to provide me with all the information I requested such as the account number of the original creditor, signatures on applications and account, my full name and address and not someone with a similar name, the stature of limitation of this account. Account applications with my full name made on paper, online, or by telephone. You sent me documents with a name, I am not familiar with and have never used in any documents. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the major credit bureaus, this action might constitute fraud under both federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation that you may receive for collecting the debt. 
Threaten to take any action which is not legal or intended. 
Falsely represent or imply that the sale, referral, or other transfer of the debt will cause the consumer to lose a claim or a defense to payment, or become subject to any practice prohibited by the FDCPA. 
Falsely represent or imply that the consumer committed a crime or other conduct to disgrace the consumer. You violated my privacy by requesting an affidavit of theft be filed with your company. 
Communicating false credit information or information which should be known to be false, including not identifying disputed debts as such. 
Use or distribute written communications made to look like or falsely represented to be documents authorized, issued, or approved by any court, official, or agency of the United States or any state if it would give a false impression of its source, authorization, or approval. 
These are all in violations of FCRA-reporting inaccurate information, FDCPA- continuing collection activity on a debt which does not belong to me or has passed the stature of limitation. As a victim of identity theft, Please send me a letter explaining what you have done to inform the business that this is a fraudulent account, and stop collection activities against me. I would also like to request, in writing that no further contact, unless it is to provide me with validation or release of liability of the debt. 
It would be advisable that you assure that your records are in order and contact your client.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently received a copy of my Equifax consumer report, and I noticed some late payments posted on the Consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Request to Remove Paid Collection Account from Credit Report To Whom It May Concern, I am writing to request the removal of a collection account associated with Universal Collection Systems ( Original Creditor : XXXX XXXX XXXX XXXX  ) from my credit report. Below are the details of the payment and account : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Payment Date : XX/XX/year> Amount Paid : {$710.00} Transaction ID : XXXX The debt has been fully paid, and I have attached the receipt for reference. Reporting a paid collection account is harmful to my creditworthiness, and I am requesting that this account be removed entirely from my credit report as a goodwill gesture or updated to reflect the Paid in Full status without derogatory notations.

Request for Action 1. Remove the Collection Account : I respectfully request that this account be removed from my credit report entirely.

2. Update Credit Reporting : If removal is not possible, I request that the account status be updated to reflect Paid in Full and ensure that no further derogatory marks remain. 

Supporting Documentation I have attached the following : A copy of the payment receipt indicating full settlement of the account. 
My government-issued ID for verification. 

Contact Information Full Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : XXXX Email Address : XXXX Please notify me in writing of the resolution to this request within the legally mandated timeframe. Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2024-11-18 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
disputes CREDIT ACCEPTANCE CORPOR Submitted on XX/XX/year> Changed but never deleted anything

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> I was surprised by a thief, he took my wallet with more than XXXX dollars and in my wallet He took my work card and my social security And now he has already requested credits with my identity. In the credit application he had made with my identity He left his phone number and postal address. 
His phone number is XXXX XXXX his mailing address is XXXX XXXX XXXX XXXX XXXX Indiana XXXX I am leaving this report because I am unable to pay credits at the moment I no longer accept anyone to make credits with my identity Thank you

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/year> I was surprised by a thief, he took my wallet with more than XXXX dollars and in my wallet He took my work card and my social security And now he has already requested credits with my identity. In the credit application he had made with my identity He left his phone number and postal address. 
His phone number is XXXX XXXX his mailing address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX am leaving this report because I am unable to pay credits at the moment I no longer accept anyone to make credits with my identity Thank you

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have chime account amd.it is hacked they started taki.g out XXXX cents for XXXX XXXX n them they are taking money from my checki.g n putting it in my credit builder amd then taking it

Company response to consumer: Closed with explanation