vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I would like you to investigate a XXXX  XXXX bankruptcy that was reported to all three credit bureaus and verify who provided this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I would like you to investigate a XXXX  XXXX bankruptcy that was reported to all three credit bureaus and verify who provided this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
As I keep a close look out on my credit file, I noticed that my score has dropped XXXX points again for the XXXX time due to inaccurate changes that has been made to the following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A VIOLATION of law 15USC 1681e ( b ). I would really appreciate it if you all delete the above accounts if you can not properly investigate thoroughly. You are truly keeping me from obtaining credit as Im in the worst part of my life financially. This is truly frustrating and damaging to my life. I am trying to work with you all within this small window of time we have with this dispute before I move to legal representation to claim monetary damages. This is a continuation of my original cfpb complaint number XXXX on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am filing this complaint due to inaccuracies and noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX, XXXX XXXX XXXX XXXX, and Blitt & Gaines in relation to an account allegedly tied to XXXX XXXX XXXX. Despite submitting evidence of identity theft, these entities have failed to validate or properly investigate the disputed debt. 

Key Issues : 1. Failure to Validate Debt Properly : I submitted debt validation requests to XXXX XXXX XXXX XXXX and Blitt & Gaines, but they failed to provide adequate validation of the alleged debt. The documents provided contained incorrect names and unverifiable signatures. 

2. Fraudulent Account Reporting : XXXX XXXX  and XXXX XXXX XXXX XXXX continue to report a fraudulent account tied to XXXX XXXX XXXX under variations of my legal name, which were outlined and disputed in my FTC Identity Theft Report, police report, and FTC Fraud Affidavit. 

3. Use of Incorrect Name and Signature : The promissory note submitted as validation by XXXX XXXX XXXX XXXX and Blitt & Gaines shows the name XXXX XXXX, which is not my legal name, and contains a forged electronic signature that I did not authorize. 

4. Failure to Block Fraudulent Accounts : Under Section 605B of the FCRA, creditors and credit reporting agencies are required to block accounts identified in an FTC Identity Theft Report and police report. XXXXXXXX XXXX has failed to comply with this requirement. 

5. Negligence in Debt Collection Practices : Blitt & Gaines, acting as a collector for XXXX XXXX XXXX XXXX, continues to pursue collection efforts despite being notified of the fraudulent nature of this debt. 

Timeline of Events : XX/XX/XXXX : Filed a police report in XXXX XXXX, IL, regarding identity theft. 
XX/XX/XXXXXXXX  : Submitted debt validation requests to XXXX XXXX XXXX XXXX and Blitt & Gaines, and provided FTC Identity Theft Report, police report, and Fraud Affidavit. 
XX/XX/XXXXXXXX  : Received inadequate validation response from XXXX XXXX XXXX XXXX, including unverifiable documentation and incorrect names. 
XX/XX/XXXXXXXX  : XXXX XXXX  failed to respond to the identity theft reports and continues reporting the fraudulent account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
To whom it may concern, I was defrauded on XXXX on XX/XX/XXXX of XXXX, by a person who pretended to be a person who I personally know. My friend 's name is XXXX XXXX, and his XXXX account was compromised. Later we found out that his XXXX account was hijacked, and some person listed thing pretending to be my friend. He claimed that his uncle has an estate sale, and items such as trailer, tractor and other items were on sale at a steep discount. I direct messaged my friend using XXXX XXXX, and person on the other end said that his uncle will need a deposit and balance can be paid within a few days. I sent the person {$2500.00} as a deposit using Zelle from my business checking account with XXXX XXXX. 
The persons Zelle account was : XXXX The XXXX XXXX  failed to put any guard rails to prevent fraud like this. I have account with XXXX, and it limits money you can send via Zelle if person is new to Zelle. XXXX also puts a hold on the payment for a day, so there is a chance to stop payment, if there's a fraud. 
Please contact me if you need any additional information. I would like to escalated the issue into a criminal matter if deemed necessary to recover funds or prevent other victims falling to a same scam. I also might want to take matter with XXXX XXXX  for not putting guardrails to limit scope of such fraud from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I call TransUnion 4-5 time and chatted with them online because there system improperly dropped my credit score XXXX in one day. I explained to them my situation and even asked to speak to a supervisor and they hung up the call because they dont want to fixed the situation. 
I have paid all my debt on time and theres nothing that states that I am late Im the past year or in collections. The customer service department has given me the run around why they believe this happened to me but when I explained to them that theirs no legitimate reason why my credits scores has dropped XXXX in one day, they hung up on me. Its very frightening and frustrating how a company has so much power and influenced in your credit that when they make a mistake they dont want to fixed it. This affects my entire life because unfortunately we are judge by our credit score more often than anything else. 

Unfortunately this has happened to me before and TransUnion has been able to help me in the past but this time is a huge loss on my credit. The only credit company thats has dropped my score this month has been TransUnion. Their customer service is horrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: KS

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft resulting from a data breach. 
As a result, several unauthorized accounts and inquiries have been reported on my credit file. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 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 am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were fraudulently added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and removed. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Com

plaint 1.I never received an email requesting a document for loan modification review. Compaint 2. XX/XX/XXXXXXXX  logged in to website and seen a document request for loan modification was needed. 3 days later XX/XX/XXXX I logged into website again and saw loan modification was denied due to failure to provide document on time. Again nothing emailed to me Complaint 3 : XX/XX/XXXX called Mr Cooper to speak about not receiving anything in email except automated responses and reapplying for modification And was informed loan was referred for foreclosure. Still nothing received in email Complaint 4 : XX/XX/XXXXXXXX  submitted modification all the documents again applying for loan modification. Received email saying I needed a new XXXX  filled even though the one submitted was not expired. And all the other documents needed to be updated even though it has only been 3 days since the closing of the last request. modification dept reconsidered and accepted the documents on XX/XX/XXXXXXXX  but requested luxury bill for my daughter 's occupancy verification. Even though the utility bill is in her name and addressed and her XXXX income taxes forms show the address, including her ID. 
Complaint 5 : Modification Dept is aware that my daughter does not have any luxury bills nor a phone in her name. They run a credit check and are able to see everything on her so they know she has no luxury accounts. Not sure of how else she prove she lives at the property last ditch effort she applies for an EIN last ditch effort to verify she resides here. Still not acceptable. No other way to verify her occupancy Complaint 6 : XX/XX/XXXX called MrCooper since no response to my emails recieved. Seeing what could be done for luxury bill verification and was told that her ID would work since it has the address on it. And for me upload it again for verification. Very frustrating and just wrong of modification dept. The referral for foreclosure should not of been sent. I didn't even have a chance to appeal or seek other solution. My attempt for the modification was also denied which pretty much was already determined previously due to the foreclosure referral being sent ahead of the denial. Lol. 
Complaint 7 : The loan agreement shows the property city as XXXX XXXX a rural area in Colorado which is not correct. The property is in XXXX  XXXX Colorado which by no means is considered rural area. I believe regulation Z escrow exempt should of been implemented in XXXX. All the requirements for this check yes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I formally request that the following accounts and inquiries be immediately blocked and deleted from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not authorized to pay XXXX XXXX XXXX XXXX. I have not signed contract with this 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
CKS PRIME INVESTMENTS Address : XXXXXXXX XXXX XXXX NJ XXXX XXXX Account # XXXX Request the immediate removal of the account # XXXX from my credit report. This account is falsely reported and does not belong to me. 
I have no knowledge of this account and dispute its validity. 
This false reporting has adversely affected my credit score and financial standing. 
I kindly request the CFPB to investigate this matter and assist in the validation of this debt. If it is determined that the debt is not valid, I ask that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 


And this account have no proof of accuracy and no proof of Validation and the amount of this debt not is mine. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XX/XX/year>XXXX  this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my 1099C. I would like to receive my 1099C Cancelation of debt, if the bank can not provide this Cancelation form 1099C within 15 days, the charged off need to be remove from my consumer 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 2024-11-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation