vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX  XXXX XXXX .... Balance : {$870.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin XXXX XXXX account number XXXX is try to collect a debt from me I sent them a certified letters on XXXX they will receive on Friday XXXX for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Franklin XXXX XXXX is the creditor reporting inaccurate information on my credit report Franklin XXXX should have sign documentation between me and them. So if They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Franklin XXXX XXXX and if I have a account with XXXX am not saying I do I never gave them permission to sell the Debt to Franklin XXXX XXXXFranklin XXXX XXXX have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character I never got a notice or anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Collection Services has contacted me repeatedly from different numbers, including before XXXX XXXX and after XXXX XXXX, after Ive told them stop contacting me and to send in writing. I have had to block several numbers and in return they will call from the caller id unknown.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX XXXX XXXX, I was surprised to receive a credit alert that indicated that the collections agency, XXXX XXXX, had placed an amount of {$52.00} on my Equifax credit report for an apparent outstanding fee for car insurance with XXXX XXXX XXXX. 

Previously I had my car insured with XXXX XXXX, but had switched to another insurance company. Apparently because I changed insurance companies after the monthly due date, there was a prorated charge of {$52.00} that I now owed to XXXX XXXX. Neither XXXX XXXXXXXX nor XXXX XXXX made any attempt to contact or notify me via any means of communication, prior to them placing the collection amount on my Equifax credit report. At the time, that alert caused a drop in my credit score of over XXXX points. 

I got the credit alert on a Sunday, the very next day I contacted both XXXX XXXX and XXXX XXXX, to express my disappointed at their total disregard for a persons credit history. XXXX XXXX took my payment and assured me that the collections would be removed from my credit report. 

When that didn't happen, I contacted Equifax and requested that the collection item be removed. My argument at the time was and still is, this was not a credit transaction, neither was I made aware that the debt existed, nor was there any effort made to collect the debt before the collection was placed on my credit report. I was assured the collections would be removed, but only the amount was changed to reflect a XXXX balance. 

I recently completed an application for a mortgage, only to realize that because of the presence of a collection transaction on my Equifax credit report, there is a difference of over XXXX points between my Equifax mortgage calculated credit score and the XXXX, with an even greater disparity with XXXX. 

All this occurred because i wasn't informed that I had a balance to pay and despite my best efforts to have the situation resolved once I became aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
The following creditors, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of XXXX XXXX XXXXI demand XXXX XXXX XXXX to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXX XXXXXXXX XXXXk XXXX XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}

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 2022-10-12 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: EQUIFAX, INC.
State: ID

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I login my credit I find some items on my credit report thats not mine CREDENCE RESOURCE MANAGE Last reported XX/XX/2022 {$10000.00} Open balance XXXX XXXX XXXX  Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED these fraudulent information so my question is why do you still report these damaging records? I even contacted the furnishers and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX, XXXX NV XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage was sold to Carrington mortgage several years ago. We have a fixed rate usda mortgage 3.25 %. I noticed it changed to 3.75 % years ago, and reached out. They advised I have a variable rate loan. I recently was looking at my loan documents and I in fact do have a fixed rate mortgage of 3.25 % we never refinanced. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: DC

Complaint narrative:
The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX XXXX and XXXX credit report. XXXX XXXX has sent XXXX and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but XXXX and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with XXXX and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.

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