vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Consumer Solutions XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Demand for Immediate Correction of Inaccurate Credit Reporting Account XXXX To Whom It XXXX Concern, I am writing to address the results of your recent investigation regarding the charged-off account ( Account No. XXXX ). The findings you provided only reaffirm the inaccuracies that I previously disputed. Specifically, the account continues to be reported with erroneous updates on a monthly basis, which is both misleading and damaging to my credit profile. 

The account is also being reported 120 days late consecutively from XX/XX/XXXX to XX/XX/XXXXXXXX  which is inaccurate.. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and to investigate disputes thoroughly. Your failure to address this ongoing issue constitutes a violation of my rights as a consumer. 

I demand that you take immediate corrective action to remove this inaccurately reported charged-off account from my credit report. If this issue is not resolved within the next 30 days, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau and consider legal action for damages caused by your negligence. 

Please provide written confirmation of your actions to rectify this matter. 

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 non-monetary relief
Consumer complaint received 2024-11-01 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit report that were compromised in a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized accounts resulting from identity theft removed from my credit report. 
The following accounts were not authorized by me and were added to my credit report as a result of identity theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$8200.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$5200.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1800.00} XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Date Opened : XXXXXXXX  Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. Due to a data breach, I am a victim of identity theft, and the accounts and inquiries listed below are unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of such fraudulent information from my credit file.

Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$760.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$16000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$410.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX, XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$60.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: AR

Complaint narrative:
Revco Solutions , Inc. contacted me by mail on XX/XX/year>, regarding medical debt originating from a XXXX XXXX XXXX XXXX XXXX. I immediately responded notifying them that it was not my debt. I received a written response that included statements on XX/XX/scrub>XXXX XXXX XXXX 

I sent a response letter on XX/XX/scrub>XXXX XXXX XXXX renewing my objection to the debt and requesting more information including documentation and verification of the debt and the basis for the claim that I owe it as well as copies of all billing statements, itemization of any payments made, additional interest, fees or charges added to the account. 

Revco responded by sending the same documentation I received on XXXX XXXX XXXX only this time it was partially redacted. 

This is not my debt. I have never received any treatment from any XXXX XXXX XXXX XXXX XXXX in Arkansas or any other state. I have never agreed to provide payment on behalf of another person who received treatment from any XXXX XXXX XXXX XXXX XXXX in Arkansas or any other state. I notified Revco of this in writing. Revco has provided no documentation or verification that it was me who received the treatment or agreed to pay for it.

I will send Revco another letter renewing my objection to the debt and providing them notice of this complaint after the complaint is submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach. 
In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted : XXXX  Account Number : XXXX Date Opened : XX/XX/scrub>XXXX  Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach.

In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00}

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 2024-11-01 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX XXXX finacial merged with Nationstar Mortgage XXXX XXXX XXXX. Both of them are reporting the exact same information on my credit reports. Same info different name. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This is my third attempt to gather information about these accounts. Each time it has been not validated which is illegal. 

I am requesting the purchase agreement for these debts in my name. If this can not be sent to me you must remove your items from my credit report. You have 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
I purchased my home in XXXX and refinanced it in XXXX. Both times, the loan was through XXXX XXXX. XXXX XXXX sold my loan to Valon Mortgage, and they took over the loan in XXXX of XXXX. On XX/XX/XXXX, Valon Mortgage contacted me asking for copies of our flood and homeowners insurance, which I provided. ( We handle our own escrow and do not allow the banks to handle it ) First, Valon refused to accept my insurance document due to the fact that the documents were emailed from my married name email account and they had my outdated email on file. No problem, we sorted it out and they accepted the XX/XX/XXXX - XX/XX/XXXX declaration pages on the second try. 

On XX/XX/XXXX, I received notice that they were force placing insurance on me because my insurance lapsed for 25 days. ( From XX/XX/XXXX through XX/XX/XXXX. ) The notice I received said SECOND NOTICE and stated " approximately 30 days ago '' they told me they had not received acceptable copies of my insurance ( noting that the insurance policy showed a 25 day lapse in coverage, which it did not. 

Under federal law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a force-placed insurance policy. Since I sent my RENEWAL notice in the beginning of XX/XX/XXXX, XXXX Mortgage has no reason to believe my property was not insured. Additionally, this information would have been included in documentation sent from XXXX XXXX. Federal law states that the lender must send XXXX notices before force placing insurance. I only received XXXX notice ( identified as the SECOND notice ), and it was only sent via email. Federal law also states the servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy, yet the XX/XX/XXXX letter stated that the insurance for the allegedly lapsed coverage had already been force placed. This is in violation of the portion of the law that states the lender must send the first letter 45 days prior to purchasing force placed insurance and the second letter at least 15 days before charging the borrower for force-placed insurance coverage. 

I believe that Valon Mortgage is engaging in shady practices that violates XXXX XXXX Laws in an effort to fraudulently enrich themselves and they need to be investigated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXXXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF ED/AXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, which were established without my authorization due to a recent data breach. I am invoking my rights under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these items promptly removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} Unauthorized Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, which were established without my authorization due to a recent data breach. I am invoking my rights under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these items promptly removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} Unauthorized Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX  precisely XXXX I spoke with customer service representative XXXX XXXX First Progress ( Synovus Bank ) who state that account number ( XXXX {$72.00} ) ( XXXX {$28.00} ) had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. XXXX. However, this account is reflected to be reported by First Progress even though they are no longer the original debt holder and the account has been charged off and written off. This can not be so, I have reported this issue with both XXXX and XXXX over seven different times yet they have ignored my request as well as a DEBT DISCLOSURE STATEMENT, sent on XX/XX/year> via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) in which they failed to respond in the 10 days required on the affidavit or provide the requested information. 

On XX/XX/year> at precisely XXXX XXXX  I spoke with XXXX at XXXX XXXX XXXX, who informed me that my balance for account account ending in XXXX was in fact {$72.00} and balance for account ending in XXXX is XXXX, making the information reported to the bureaus inaccuarate, by law all information must be reported correctly and accurately. Also both accounts numbers are reported as XXXX for both accounts, this can not be so this information is incorrect and invalid. 

By law the FCRA requires that industry to report consumer credit information in a fair, timely and accurate manner. The Fair Credit Reporting Act Title VI clearly states that " Companies that provide information to consumer reporting agencies also have specific legal obligations to record with accuracy and to investigate any disputed information. Which both XXXX and XXXX have failed to do. 

I demand that these accounts be removed from my credit report due to the inaccuracy of the debt reporting agency, incorrect balance, and incorrect account number listed. This can not be so. This company is causing me great damages and hardships in my life and will result in a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I did not authorize these inquiries on my credit report. Please remove them from my credit immediately. 

DISCOVER FINANCIAL SER XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been attempting to login to my Experian credit profile account and simply can not get authenticated. I have a valid userid and password which work, but Experian 's login process then requires two factor authentication of my identity. Verification of identity using a two factor system is great when it works, but Experian 's system seems to be unable to send me a text, call, or email with an authentication code. I do not know why, but none of their options allow me to receive their verification code. 

I have mailed a letter to their XXXX XXXX in Texas requesting further assistance with this verification process so that I can then manage my account profile ( e.g. place a freeze on my credit profile etc ), but I got zero response from Experian to my letter.

Unfortunately, there is NO way to speak to anyone at Experian- they don't want to help you by giving you an option to talk to their customer service people, so after not receiving any response to my letter requesting assistance, I have no where else to go for help.

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 2024-11-01 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: OK

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your pro

Company response to consumer: Closed with explanation