vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: VA

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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

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 is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I sent notarized documentation to XXXX XXXX XXXX XXXX XXXX to include a Notice of Dispute and a copy of my state drivers license as proof of identity. The drivers license has my signature on the front of the identification. I requested certified accounting documentation from XXXX XXXX XXXX XXXX XXXX in response to a recent credit report. XXXX XXXX XXXX XXXX XXXX states the account was allegedly charged off but charged offs are considered general income by Internal Revenue Services, but the information is still being reported which is inaccurate. XXXX, XXXX, and Transunion all state they do not report income. This information is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX has failed to investigate my inquiry but somehow the information has come back verified and accurate according to XXXX, XXXX, and Transunion. The letter I received is proof of deceptive practice and failure to investigate a dispute claim by consumer. I have requested to opt out of this account being reported to my Consumer reports until I receive certified documentation that the account has been charged off by IRS standards. 
12 CFR 1016.1 gives me the right to opt-out of the sharing of my nonpublic personal information and I want to exercise my right immediately. Also, 15 U.S. Code 6802 supports my rights to opt out of non-public personal information. 
Accordingly, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion have failed to adhere to the following federal laws and regulations : 15 United States Code 1681e ( b ) 15 U.S. Code 1681c ( a ) ( 4 ) 15 U.S. Code 1681c ( a ) ( 5 ) 15 United States Code 1681a ( d ) ( 2 ) ( A ) ( i )

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 2024-01-30 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: FL

Complaint narrative:
I sent notarized documentation to XXXX XXXX XXXX XXXX XXXX to include a Notice of Dispute and a copy of my state drivers license as proof of identity. The drivers license has my signature on the front of the identification. I requested certified accounting documentation from XXXX XXXX XXXX XXXX XXXX in response to a recent credit report. XXXX XXXX XXXX XXXX XXXX states the account was allegedly charged off but charged offs are considered general income by Internal Revenue Services, but the information is still being reported which is inaccurate. Experian, XXXX, and XXXX all state they do not report income. This information is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX has failed to investigate my inquiry but somehow the information has come back verified and accurate according to Experian, XXXX, and XXXX. The letter I received is proof of deceptive practice and failure to investigate a dispute claim by consumer. I have requested to opt out of this account being reported to my Consumer reports until I receive certified documentation that the account has been charged off by IRS standards. 
12 CFR 1016.1 gives me the right to opt-out of the sharing of my nonpublic personal information and I want to exercise my right immediately. Also, 15 U.S. Code 6802 supports my rights to opt out of non-public personal information. 
Accordingly, XXXX XXXX XXXX XXXX XXXX, Experian, XXXX, and XXXX have failed to adhere to the following federal laws and regulations : 15 United States Code 1681e ( b ) 15 U.S. Code 1681c ( a ) ( 4 ) 15 U.S. Code 1681c ( a ) ( 5 ) 15 United States Code 1681a ( d ) ( 2 ) ( A ) ( i )

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 2024-01-30 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: PA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 EQUIFAX MTG 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MD

Complaint narrative:
Elan Financial Services reported that I missed 1 payment on my account. But I remember paying them so I asked for written proof and it wasn't given so i'm disputing this missed payment and need it removed immediately 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 2024-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023 I paid my XXXX mortgage payment. Standard mortgage incorrectly applied those funds to my escrow account. I reported the error. The company refused to fix the error. XXXX XXXX XXXX, was very disrespectful and racially discriminatory during our meeting ( which I recorded ). On XX/XX/2023 I made an additional payments that exceeded both XXXX and XXXX mortgage payments. I have reached out to the company 2 times to get a clear explanation of how funds have been applied and requested corrections. I was told several times I will receive a call from XXXX ( VP of customer relations ) and XXXX ( collections manager ) neither has called but a late payment had been reported to my credit report. XXXX refused to give me a business card, NMLS  number or identify himself in any way other than to say hes the boss.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate and Unverifiable Collections Account - XXXX/RESURGENT RECEIVABLES Dear CFPB, I am writing to file a complaint against XXXX/RESURGENT RECEIVABLES for reporting an inaccurate and unverifiable collections account on my credit reports with all three major credit bureaus. Despite their claim of verification and validation, the account contains numerous discrepancies and raises concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX/RESURGENT RECEIVABLES Discrepancies in Account Information : I have attached and highlighted all discrepancies across all three credit reporting agencies. These discrepancies include, but are not limited to : Account Type Details : Incorrect information about the type of account ( e.g., loan, credit card ).

Account Status ( XXXX ) : Inaccurate status reported ( e.g., charged off, collection ). 
No. of Months ( terms ) ( XXXX ) : Incorrect number of months listed for the account. 
High Credit ( XXXX ) : Inaccurate credit limit or balance reported. 
Payment Status ( XXXX ) : Incorrect payment history listed. 
Last Reported, Date Last Active ( XXXX ) : Inaccurate date reported for the last account activity. 
Date of Last Payment ( XXXX ) : Incorrect date reported for the last payment made. 
XXXX  XXXX History : Discrepancies throughout the reported XXXX history of the account. 
Efforts to Resolve : I have disputed the information with all three credit reporting agencies, attaching the highlighted discrepancies as evidence. 
I have attempted to contact XXXX/RESURGENT RECEIVABLES to request verification of the information, but their response has been unsatisfactory. 
Concerns and Alleged Violations : The numerous discrepancies suggest that the account information is inaccurate and potentially fabricated. 
XXXX/RESURGENT RECEIVABLES ' failure to provide proper verification raises concerns about potential violations of the FCRA 's requirement for accurate reporting.

These inaccuracies have negatively impacted my credit score and could limit my access to credit and financial opportunities.

Request for CFPB Action : I request that the CFPB investigate this matter and take appropriate action against XXXX/RESURGENT RECEIVABLES, including : Ordering them to investigate the account and provide accurate information to the credit reporting agencies. 
Ensuring the inaccurate information is removed from my credit reports. 
Holding them accountable for any violations of the FCRA. 
I am confident that the CFPB will take this matter seriously and help me achieve a fair resolution. 

Thank you for your time and attention to this complaint. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the payment history and status for the account ( XXXX ) on my credit report, urging its immediate deletion as per FCRA guidelines XXXX XXXX and XXXX have already removed the account due to identified errors, raising confusion about the verification process, and I request prompt action to align with their corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address fraudulent accounts on my credit report causing significant financial harm. I demand their immediate removal to rectify this injustice. Other bureaus have complied, but I'm puzzled why yours hasn't. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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:
I reported fraudulent activity on my credit report to XXXX Regarding them reporting a fraudulent account that was opened in my name along with a police report showing proof and its still on my credit report negatively affecting my credit and inability to obtain credit. Which is in violation of my rights from XXXX under the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: OH

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.

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 2024-01-30 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: OH

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: AR

Complaint narrative:
On XXXX I contacted RENTDEBT to make a payment agreement on a debt of {$33000.00}. I asked if I could pay {$200.00} a month until the debt was paid or settled. The CSR I spoke with said that would be fine. I asked for a statement confirming the payment agreement to be sent via email and mail. I was told that a agreement statement would not be possible until the debt was paid In full or settled. The reason why I asked for this is to show that I am paying the debt and to show my home loan officer to qualify for a mortgage so my family and I will no longer be homeless. I called RENTDEBT on XX/XX/2024 to speak to a manager to be told that they would not be able to send the statement.

Company response to consumer: Closed with explanation