vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date Of BirthXXXX SS # : XXXX XX/XX/year> Experian Experian XXXX XXXX XXXX XXXX, TX XXXX RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please Remove it from my credit report. 
XXXX. XXXXXXXX XXXX XXXX 
Account numberXXXX Please Remove it from my credit report. 
XXXX. XXXX XXXX  XXXX. 
Account number : XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 

XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX Account number:XXXX Please Remove it from my credit report. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  documentation

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
In XX/XX/2024 I entered into a payment plan to bring my mortgage current. I have made payments every month in the specified amount of {$3800.00} as of the writing of this complaint. Unfortunately, the payments have not been reported to the credit bureaus, which shows missed payments. This has been a terrible detriment to my credit score and has prevented me from receiving the favorable interest rates that I deserve on numerous purchases.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Missing Information on Credit Report Paid Auto Loan with XXXX XXXX XXXX Dear Credit Bureau Representatives, I am writing to formally dispute the missing information on my credit reports from your respective bureaus regarding my auto loan account with XXXX XXXX XXXX ( Account Number : XXXX ). 

As of XX/XX/2021, my loan with XXXX XXXX XXXX has been fully paid, and I have received an official letter from XXXX XXXX XXXX confirming that the account is paid in full. However, this loan is not reflected on any of my credit reports from XXXX, XXXX, or Experian, which is a significant omission. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting an investigation and correction of this omission. Accurate and complete reporting is required by law, and this account should be reflected on my credit report with a status of " Paid in Full. '' Enclosed, you will find a copy of the letter from XXXX XXXX XXXX confirming that this account has been fully satisfied. I request that you promptly update my credit report to include this account and its accurate status and notify me once the update has been made. Additionally, I ask that you share this corrected information with the other credit bureaus as mandated by the FCRA. 

Please send me confirmation once this dispute has been resolved, and an updated copy of my credit report showing the corrected information. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please feel free to contact me. 

Sincerely, 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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon reviewing my recent credit report, I identified multiple fraudulent accounts that I believe were added without my consent.

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 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I went to use my paypal account which I had over 16 years but PayPal freeze my account with no access to my balance of {$360.00}. I have submitted all the requested information including my bank statement & identification. This was fine before in XX/XX/XXXX. In light of the recent data breaches, Im very concerned with PayPal keeping requesting these information. It appears that PayPal is not properly maintaining records thus inconveniencing their customers. Today, XX/XX/XXXX, I spoke with an account a male named XXXX ID # XXXX who at XXXX said didnt see documents but then questioned me about my name. I requested a supervisor he said that one was not available, he would send an email requesting XXXX. I called back & spoke with a female named XXXX who refused to give her ID # but would request a supervisor. I wanted to file a complaint with Paypal but XXXX gave me this # XXXX but XXXX ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Requested validation of debt investigation from all three credit bureaus and the company and was ignored by all three. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI

Complaint narrative:
I, XXXX XXXX, initiated a refinance of my home. Part of this refinance was receiving a quit claim ( attached ) from another party. This quitclaim signed over all interest and equity in the house to me. The quit claim was signed XX/XX/year>. It was recorded on XX/XX/year>. The refinance was completed on XX/XX/year>. A part of the proceeding is that Pennymac reimburse me, the sole party of interest in the property, the amount of the escrow account associated with the closed loan. Pennymac made no effort to contact me in regards of how or where to direct the refund. They had access to the quitclaim document. Then issued the refund to an incorrect account that I had no claim or access to. When I contacted Pennymac, they told me that it was not their problem and won't do anything about it. After continuing communications with them, they informed me that they would look into it to correct the situation, however they never filed a case number, and did not call me back. I then called again, to which they said they would contact the other party as a " final attempt '' at resolving the problem. They have not called me back. 

What I have gathered from this interaction is that they knew that they were reimburse the escrow account funds to me and me alone, they did not even attempt to ensure that it would be properly sent. Then, when informed of the issue, would not correct their mistake. This leaves me entirely without the money I am owed through no fault of my own, with Pennymac only denying their responsibility as the fiduciary party. I only wish to recover my money from Pennymac in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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 importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-17 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: MI

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment 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 2024-09-17 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 explanation
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All XXXX credit bureaus ( Equifax, XXXX, XXXX and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all XXXX major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All XXXX credit bureaus ( XXXX, XXXX, Experian and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all XXXX major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards

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 2024-09-17 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: MS

Complaint narrative:
Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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