vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. 

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Last year I found a false account with XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XX/XX/XXXX Account # XXXX ..... 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) {$120.00} XX/XX/XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) {$190.00} XX/XX/XXXX Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XX/XX/XXXX Account # XXXX US DEPT ED {$27000.00} XX/XX/XXXX Account # XXXX according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Last year I found a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. Equifax and XXXX continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed.

In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion and XXXX are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}

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 explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian shows addresses that either is a result of fraud or belong to others on my report. Some addresses are of accounts that I am authorized to use or accounts that have been opened in my name ; the accounts do not belong to me as well as their addresses. I've requested that they be removed, but the dispute has been ignored.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A complaint has been filed with the XXXX. Case number is 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX and Equifax are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I was offered a deferment after hurricane Ida in XXXX. My home had some small damages from the hurricane. My home insurance denied my claim so I had them repaired. I took the deferment thinking FEMA would reimburse me for the small damages. The deferment was for XXXX XXXX and XX/XX/2021 with my loan servicer PHH mortgage. In XXXX after the deferment ended I applied for mortgage assistance with PHH because DEMA offered no financial help. The mortgage assistance with PHH has been in review for more than 120 days. They return every payment I mail and they blocked my payments online and by phone and wont let me make the remaining regular payments until their review of the three month deferment is done. I am afraid it is meant to make my account more late so they can take my home. XXXX XXXX XXXX XXXX with very little family. I cant afford to lose my house. I have tried to pay the remaining regular payments but they wont take the payments. My taxes are delinquent because if this review they are doing for the months XXXX XXXX and XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Once I visited Macy 's store in XXXX, I was persistently offered their credit card on terms that there will be a 20 % discount on making first purchase at the store. I didn't have to buy anything that day and I confirmed this from the person who issued me this card that I'll come later and I'll still get the discount. When I visited later, at the billing counter, the concerned person again told me that the 20 % discount will appear in the monthly statement. That never happened, I received the bill without discount applied. I raised the issue several times over email as well as phone- it was never resolved. Since I was billed wrongly, I didn't pay the bill and kept requesting to fix the mistake. Instead of fixing the bill, I started receiving the bill with late fee on top the wrong bill. I again kept calling, writing mails to your team to get it fixed. Instead, my credit score was devastated. Please fix the bill and also report to the credit bureau so that the mistake is undone. I've gone through enough mental stress as of now, please don't aggravate it by not fixing the mistake that happened at Macy 's end

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A complaint has been filed with the BBB. Case number is 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A complaint has been filed with the XXXX. Case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
XXXX XXXX  advised me that my debt was settled and I did not owe anything in my account. However they are listed on my account under Aldous and Associates for over {$600.00}. Back when I had the account I became physically Ill and XXXX XXXX advised me to give them a letter from my doctor stating that I could not use their gym. I did give them a letter from my doctor and they advised me that my account was settled and I didnt owe them anything. I need this account removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a business credit card with capital one in XXXX and accrued XXXX rewards points. The business the card was opened for unfortunately had a rough year w one of the partners embezzling a lot of money out of the company, forcing the company into bankruptcy. The card has not been used in a quite a while so I did not think to move the points out of my account into one of my other capital one accounts w rewards points. 
My account was in good standing, I dont believe there was any debt on it, ( maybe an annual fee charge ) and I feel that capital one should gift me the points back as there is no reason I should be penalized for a partner destroying my business. I called on XX/XX/XXXX and didnt have any luck getting an employee to assist in retrieving or replacing my points. Its been a very difficult year and this is really pushing me over the edge, as I planned to travel w the family to get away from all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation