vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: DC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-12-06 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls undeXXXX XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-12-06 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:
I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries were opened or made fraudulently in my name. I am requesting the immediate blocking and deletion of these accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$2300.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
A full payment of {$1000.00} was mailed to Home Depot on XX/XX/year> which would have paid card in full and left a small credit on account. On XX/XX/year> this payment had not been applied to my account yet so I contacted XXXXome Depot who reported having not recived/no record of a pending payment. I was instructed to verify if check had cashed. I contacted my Mortgage Title Company who had issued the check during my mortgage closing and verified the check had been cashed on XX/XX/year>. A copy of the cashed check, front/back, was provided and a dispute was created with Home Depot who was also provided a copy of the cashed check. As of this date XX/XX/year>, confirmation was made with XXXX, a supervisor on XX/XX/year> that they had located my payment, and it has still not been applied to my account, now resulting in a late payment fee due to a payment being due on XX/XX/year>. This payment would have paid my account in full, and I was instructed that because there was a payment dispute, no consequences would be made towards my account.

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 monetary relief
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, these accounts and inquiries were fraudulently opened in my name. I am requesting that they be removed in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1600.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1100.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Case Number : XXXX o Date Filed : XX/XX/XXXX o Amount : {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/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 non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — FHA 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
I work a customer service representative who was a supervisor her name is XXXX. When I spoke to her about following the state guidelines with a loan modification. She stated they do. But I was explaining all issues that was wrong and she kept dismissing me. 
When I let her wanted to do a survey about the call at the end she purposely made sure there wasnt a survey.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently opened bank account I sold my home in XXXX XXXX from sandy storm my husband passed awsy I was told I had to pay $ XXXX for sba loan my attorney and myself were told sba dont put lien on home but I was forced to do because Im about to be evicted I paid taxes and I received {$45000.00} from my home and that is not normal and I deposited in td bank they said they thought fraud its almost month still didnt release my money please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were opened or made fraudulently in my name, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$9000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : **** o Date Opened : XX/XX/XXXX o Amount : {$400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$22000.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o XXXX of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were opened or made fraudulently in my name, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$9000.00} XXXX. XXXX XXXX XXXX  o Account Number : **** o Date Opened : XX/XX/XXXX o Amount : {$400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$22000.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o XXXX of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Date of Inquiry : XX/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 2024-12-06 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: MI

Complaint narrative:
I am writing this to dispute a account listed on my credit report that I believe is a result of identity theft. As this account do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit 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 2024-12-06 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: NV

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare LLC is the loan servicer. I am very near the decision to litigate with them. 

I have tried to call, write and use their website to create an account so I can pay my responsibility with no success and they will not help. My loan was sold to them by XXXXXXXX XXXX without my knowledge or consent and now I can not establish a way to pay LoanCare LLC. 

Also, I was affected by hurricane Milton, it went directly through my area, and was granted emergency forbearance under federal and local law. This forbearance is not recognized by these guys and they refuse to honor the emergency federal decrees and protections that are afforded to me by law. 

Each time I try to communicate with them they are VERY rude, unprofessional and not helpful. Many times they say they are having " technical issues '' and the call disconnects after XXXX min of waiting. They also lie to me and will not share the policies in the company that affect my account negatively. I researched this company and they have YEARS of XXXX star XXXX reviews with other americans that are having the same issues I am having. most of these reviews ( XXXX ) are from the last couple of months so this is an ongoing issue with many other people that are now stuck with this loan servicer. 

I would like to request that my loan be returned back to XXXXXXXX XXXX or sold to XXXX XXXX XXXX They both have the systems and company processes in place to properly service loans and follow government regulations and laws.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-06 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: TX

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-12-06 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-06 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-06 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: DC

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW 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 2024-12-06 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: DC

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 explanation