vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act account number XXXX XXXX SYSTEM # XXXX, have violated my rights,

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 2024-06-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act account number XXXX XXXX  SYSTEM # XXXX, have violated my rights,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, XXXX seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 
I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically XXXX, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 
NEW AMERICAN FUNDING XXXX, XXXX BANK XXXX  XXXX, CXXXX/OVER XXXX, XXXX XXXX XXXX, and XXXX BANK 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 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX is reporting fraudulent credit inquiries on my 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 2024-06-03 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}

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 2024-06-03 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: NC

Complaint narrative:
hard inquiry on credit report not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 2024-06-03 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 pulled a copy of my consumer report and noticed some items I would like to dispute. My last complaint was closed but they didn't provide the method of verification in terms of how they verified the information so I'm requesting that per 15 U.S. Code 1681i ( 7 ) or the negative items need to be DELETED.

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 2024-06-03 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: AR

Complaint narrative:
XXXX XXXX shows on my credit report as me being over 90 days late on my bill. However i do not owe them anything. I have a store card but it has a {$0.00} balance. I called the company. They verified that i do not owe them anything. When asked how to get the incorrect information removed from my credit report. They said it was my job to do it.

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 2024-06-03 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: NC

Complaint narrative:
I would like to dispute off these inaccurate items on my credit report listed below. 

Equifax : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$640.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
end of last year XXXX I did not receive my monthly statement called Newrez ( starting servicing loan summer of XXXX? ) Told copy old statement and mail on with current payment, made payment.I do not believe I should to go to store make a photo copy this guy talking nonsense is a customer service rep.Co. started mailing out statements again now last 3 months no statement ( so no slip to mail with check, no monthly balance, no escrow balance they could make a change I would have no idea ) If they are obligated to send me a statement I would like to make a complaint I do not trust this company.Never late on a payment we have been homeowners since XXXX and have never had a mortgage company like this, they picked us we did not pick them.THANKS IN ADVANCE XXXX MORTGAGE COMPANY IS newrez

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CA

Complaint narrative:
I am writing to express my profound disappointment and frustration regarding your bureaus failure to delete the fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and have promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. I had expected your bureau to uphold the principles of accurate and fair reporting as mandated by the Fair Credit Reporting Act ( FCRA ). Your continued inaction not only undermines my trust in your services but also raises serious concerns about the efficacy of your dispute resolution process. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
I am writing to express my profound disappointment and frustration regarding your bureaus failure to delete the fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and have promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. I had expected your bureau to uphold the principles of accurate and fair reporting as mandated by the Fair Credit Reporting Act ( FCRA ). Your continued inaction not only undermines my trust in your services but also raises serious concerns about the efficacy of your dispute resolution process. 

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 2024-06-03 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:
I am writing to express my profound disappointment and frustration regarding your bureaus failure to delete the fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and have promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. I had expected your bureau to uphold the principles of accurate and fair reporting as mandated by the Fair Credit Reporting Act ( FCRA ). Your continued inaction not only undermines my trust in your services but also raises serious concerns about the efficacy of your dispute resolution process. 

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 2024-06-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: National Auto Lenders, Inc.
State: GA

Complaint narrative:
Disputed negative accounts on my credit that was not accurate and I am getting negative feedback from companies.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-03 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: LA

Complaint narrative:
FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, Experian and XXXX, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with XXXX XXXX XXXX XXXX XXXX, opened in XXXX XXXX XXXX. Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from Experian. I did not give permission to XXXX XXXX to check my consumer report. If you notice the alleged account was opened on XXXX, So why is XXXX XXXX pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the XXXX and Experian credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to 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