vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
There is an account on my credit report from XXXX XXXX. I never opened an account with XXXX XXXX. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXX  Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.

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 2023-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Judgment Acquisitions Unlimited Inc
State: MA

Complaint narrative:
So I randomly got a call from this company telling me I missed a court date and defaulted. However I was never served paperwork in any way or form. Just called weeks later to be told if I didnt settle up with them they would garnish my pay. So to avoid any issues I started a payment plan. However I feel as if I was taken advantage of because no one ever made me aware I was being sued for said issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-03 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: CA

Complaint narrative:
I have disputed and haven't received any results or even no disputes are opened up.

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 2023-08-03 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:
I have disputed and haven't received any results or even no disputes are opened up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
First bank I started with was Sterling - then I don't remember - then XXXX XXXX - now Webster~ The bank has changed its name four times, I keep calling and they refuse to close my account and give me my money. 
~ i moved to a different state and changed my phone number In order to log into the account, they need to send me a text message. They keep sending the text message to a phone that I no longer own. they will not accept my new phone number, and therefore i can't get into the account and close it. 

They keep asking me personal questions to confirm identity which I answer correctly. They're saying I'm not answering them correctly i've offered to send them copies of my driver 's license, my passport, my social security card, And they won't take any of them as proof of identity. I even offered to send them copies of old statements We're not talking about a lot of money, but whatever the amount is, it's mine. 

I have been trying for over 3 months, to no avail. How can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including 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 2023-08-03 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: FL

Complaint narrative:
I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including 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 2023-08-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance withe fair credit reporting act XXXX XXXX XXXX XXXX acc  # XXXX has violated my rights. 

15 USC 1681 section 602a states i have the right to privacy.

15 USC 1681 section 604a it also states a credit reporting agency can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-08-03 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:
XXXXmailed and a dispute is never opened up and no results. 
XXXX- Open Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Its been over 60 days and have not sent me one document or original contract.

Experian, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The reporting of inaccurate and outdated information. This is causing damage to my reputation, my character, and mode of living. I have tried several times to have these mistakes completed. Also, not to mention the data breaches as well of these reporting agencies who is not keeping their promises. This is very time consuming, and they have had several times to fix the errors and mistakes, but they choose not to.

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 2023-08-03 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, I had a loan with XXXX XXXX XXXX along with XXXX XXXX and XXXX XXXX which ended last year. We made all our payments on time and had no issues. Mr. Cooper bought our loan and we are in the process of refinancing and it says that we deferred our payments until XX/XX/2022 which is incorrect. We also don't mind if we actually deferred but we paid the loan off completely in XX/XX/2022. Additionally, we just wanted to speak with them so we could address the issue and get documentation for our lender because we could not find any. For over a week we can not get through, they make it impossible for you to have a conversation. We also can't even find a proper email to send a message other than one for payoffs. This has been horrible customer service. We ask that they just remove the deferment note from our credit reports so that we can move on because this has caused us an issue for a long time and we are in jeopardy of not being able to refinance now because of their lack of communication. This is personally hurting us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: NY

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-08-03 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: NY

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief