vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of the above-referenced collection account on my credit report. This account has been removed from my credit files with XXXX and XXXX, and I am requesting its immediate deletion from my TransUnion report as well. The fact that this account has been deleted by the other two major credit reporting agencies indicates that there are inaccuracies in the reporting of this account. 
In accordance with the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure the accuracy and completeness of all information reported. FCRA 15 U.S.C. 1681e ( b ) clearly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Given that this account has already been removed from both XXXX and XXXX, TransUnion must take similar action to ensure accurate reporting across all agencies. 
Furthermore, per Metro 2 compliance standards, information reported by furnishers such as XXXX XXXX XXXX must be uniform, accurate, and timely across all credit reporting agencies. The discrepancies between TransUnion, XXXX, and XXXX reporting violate these standards. If XXXX XXXX XXXX has deleted or corrected this account with XXXX and XXXX, they are required to ensure that TransUnion is reporting the same accurate information. 
According to my TransUnion report, this collection account shows a balance of {$4200.00}, which is inconsistent with the other bureaus and does not reflect the fact that this account has been previously settled or removed. I believe this account should not be included on my TransUnion credit file, and I am formally requesting that it be deleted immediately to bring it into alignment with the accurate reporting done by XXXX and 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 2024-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Again, I have had nothing but nonstop problems with this company since they bought my late husband 's mortgage XXXX years ago. They have constantly tried to claim nonpayment. I just received a letter from a local law office that a foreclosure suit has been filed against ME. However, the mortgage in STILL in my late husband 's name because this company and their DBA company that formally owned our mortgage refused to allow me to switch the mortgage to my name when I provided all info that they requested. ( Which probably is in my favor since they are shady and are known to ruin people 's credit for claiming late payments when the payments have actually been made. ) I have had to send the CFPB copies of my checks that were cashed over and over since they purchased my husband 's mortgage. And here we are again. Claiming that I haven't paid them, when I have made consistent payments up until XXXX. I am now selling the house and they are suddenly ... once again ... trying to claim that I am not paying them ... when I have and have sent the proof in to them & this bureau over and over again. You can refer to the previous complaints to see the checks that were submitted and shown to prove that I have paid each month on time. Once again, they have failed to cash XX/XX/XXXX and XX/XX/XXXX checks so I do not have proof of payment for those, but still can prove that I have paid and not missed XXXX months in a row and therefore foreclosure is unwarranted. I have uploaded cashed checks for the last year as proof of payment & their fraudulent continued behavior.

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 2024-09-06 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: GA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX NI Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information 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.

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 2024-09-06 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-06 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-06 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: OH

Complaint narrative:
Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, XXXX, and Equifax to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to Equifax, XXXX, and XXXX. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off XXXX, Equifax, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

Lead Bank Date Opened XX/XX/XXXX {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, XXXX, and Equifax to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to Equifax, XXXX, and XXXX. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off XXXX, Equifax, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX Date Opened XX/XX/XXXX {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 explanation
Consumer complaint received 2024-09-06 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: CA

Complaint narrative:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. US DEPT ED 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 2024-09-06 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: CA

Complaint narrative:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. US DEPT ED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-06 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My phone wass hacked into the hackers had access to all my social media accounts along with access to my digital banking there was alot of fraudulent transactions done on my XXXX XXXX which is provided by XXXX XXXX i provided them witth the police report identity theft report and they denied my claim without any statement to why it is being denied i really need your help to get my money back i am also uploading all the supporting documents here as well.. I also provided a letter i got from health care company stating they had a cycber attack and the hackers were able to access mine along with other peoples informations who were on their computers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: PA

Complaint narrative:
Subject : Urgent Request for Investigation and Deletion of Inaccurate Information Account Name : XXXX Account Number : XXXX Dear Experian and CFPB, I am writing to formally address significant inaccuracies and misleading information present in my recent credit report that require immediate correction. The outdated and unverified data not only misrepresents my financial history but also poses a serious threat to my creditworthiness. 



The following discrepancies have been identified : 1. **Misleading Account Status** : The report indicates an " Account Status '' of " open '' with a " Monthly Payment '' of {$1800.00}. This high payment and the balance of {$200000.00} create confusion regarding my actual financial obligations, particularly when there is no clarity on the nature of the account. 



2. **Outdated and Conflicting Information** : The " Last Reported '' date of XX/XX/year> does not align with the " Date Last Active '' of XX/XX/year> and the " Date of Last Payment '' of XX/XX/year>. This inconsistency raises concerns about the accuracy of the information reported, which is in violation of the Fair Credit Reporting Act ( FCRA ) that mandates consumer reports be accurate and current. 



3. **Inconsistent Account Details** : The report lists a " High Credit '' of {$210000.00}, alongside a balance of {$200000.00}. The presence of such high amounts without clear context raises questions about my actual credit usage and could lead to misunderstandings regarding my financial behavior. 



4. **Ambiguity in Payment History** : The two-year payment history lacks clarity and context. The legend is not easily interpretable, which makes it difficult for me to understand my payment behavior and assess how it may affect my creditworthiness. 



5. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under the FCRA, which protects consumers from reporting errors and mandates that all information must be accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) entitles consumers to dispute inaccuracies and seek validation of debts reported against them. 



Given these significant concerns, I request that Experian initiate an immediate investigation into these discrepancies and take corrective action to delete the erroneous information from my credit report. The inaccuracies present in this report could severely impact my financial health, and it is vital that my credit history reflects accurate and verified information. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a secured credit card with Fifth third around XX/XX/XXXX. I decided in XXXX of XXXX that this card was not helping my credit and I wanted to close it. I called the number on the back of the card and told them to close it. They told me they were closing it however I had to pay off the {$260.00} and some chane that was owed on it and the would deposit my {$300.00} into my account 30 days after I paid the card off. However, they opened another card without my permission and on my account and allowed someone to process charges on it and when I told them I didn't make the charges they flagged it for fraud and told me the account couldn't be closed until they investigated. XXXX weeks later I received a determination that the charges were fraudulent. So I called them to have them close my account but was told that the fraud department had to take the block off my card before it could be closed and that they were sorry someone had only closed my card and not closed the account and this was why another cars was generated. So when they transferred me to the fraud department they told me they could not help me until someone from my local branch called them. I called my local branch and spoke with XXXX XXXX and he told me that is not how that works and that he would look into this and call me back but didnt. By this time they have closed and opened XXXX cards without my permission each time they closed telling me they were reporting it to the credit bureau. Which they did. I spoke to a woman at the bank XX/XX/XXXX. She told me it was all taken care of and I would get my money back XX/XX/XXXX which is way after the 30 days. But they have since opened XXXX more cards and let charges go through and sent it to the fraud department. I need my money

Company response to consumer: Closed with explanation