vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
There is inconsistent reporting information on the balance on my credit report with all 3 credit bureaus. I am trying to increase my credit score so I can buy a house, but the information and account balance for my auto loan is not the same on all 3 reports. With one of the the balance is showing {$17.00} and with another its showing {$14000.00}. I thought that my balance was at {$12000.00} at one time. My balance keeps increasing and not being reported correctly. I don't understand how and when this is reported and why there would be different amounts showing for all 3 of the credit bureaus.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is inconsistent reporting information on the balance on my credit report with all 3 credit bureaus. I am trying to increase my credit score so I can buy a house, but the information and account balance for my auto loan is not the same on all 3 reports. With one of the the balance is showing {$17.00} and with another its showing {$14000.00}. I thought that my balance was at {$12000.00} at one time. My balance keeps increasing and not being reported correctly. I don't understand how and when this is reported and why there would be different amounts showing for all 3 of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
There is inconsistent reporting information on the balance on my credit report with all 3 credit bureaus. I am trying to increase my credit score so I can buy a house, but the information and account balance for my auto loan is not the same on all 3 reports. With one of the the balance is showing {$17.00} and with another its showing {$14000.00}. I thought that my balance was at {$12000.00} at one time. My balance keeps increasing and not being reported correctly. I don't understand how and when this is reported and why there would be different amounts showing for all 3 of the credit bureaus.

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 2024-11-18 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-11-18 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-11-18 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Click n' Close, Inc.
State: NC

Complaint narrative:
We have a offer on the table that nets the required net sales proceeds of {$230000.00} which is located on form XXXX. Required net sales proceeds on appraisal clearly states {$230000.00}. We have a offer on table. The Settlement statement states that clicknclose ( lender ) will receive {$230000.00}. Im trying avoid foreclosure via short sale however the lender is not cooperating. They countered asking for a additional {$10000.00}. However buyer is not willing to go up. Lender said property is no longer fha insured. My realtor has worked relentlessly to help me avoid foreclosure. However clicknclose is not working with me. The offer is more than good and should be approved according to appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XXXX - {$4500.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$7100.00} INQUIRIES : 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 2024-11-18 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 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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX {$420.00} XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$820.00} MXXXX XXXX XXXX {$1000.00} I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX {$420.00} XXXX XXXX  {$570.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX  {$1000.00} I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2024-11-18 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently reviewed my credit report and seen an account that does not belong to me. The account name is Portfolio Recov Assoc., number XXXX with the balance of XXXX is showing as collection on my XXXX account. This is not my debt. I do not have any knowledge of this account. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX way XXXX, MA XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I have recently pulled my credit report and notice their is a collection listing from your agency i have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is a contractually bound to pay off this debit or stop collection activity, Pursuant of suing and remove all together. 

Please attach the copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
complete payment history on this account, to prove that amount you wish to collect is correct. 
I hope your legal staff that noncompliance with this request will result in legal trouble for your company sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Unknown XXXX XXXX : Unknown : XXXX : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Unknown Collection Agency : Unknown : XXXX : {$230.00}

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TransUnion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 

4 Date of Birth : XX/XX/year> ( XX/XX/year> ) 5 Employer : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TransUnion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 

4 Date of Birth : XX/XX/year> ( XX/XX/year> ) 5 Employer : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

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 2024-11-18 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:
XXXX XXXX is reporting 4 accounts in my credit reports that I never authorized or opened. The following 4 accounts are all due to identity theft ; 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 Attached, please find an identity theft affidavit filed with the FTC ( # XXXX ) and a police report. Pursuant to FCRA Section 605B, I am requesting the removal/suppression of these 4 accounts due to the fact that they are fraudulent and identity theft. Please remove 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 from my credit reports.

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 2024-11-18 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: NJ

Complaint narrative:
XXXX XXXX  is reporting 4 accounts in my credit reports that I never authorized or opened. The following 4 accounts are all due to identity theft ; XXXX XXXX  XXXX XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX XXXX Attached, please find an identity theft affidavit filed with the FTC ( # XXXX ) and a police report. Pursuant to FCRA Section 605B, I am requesting the removal/suppression of these 4 accounts due to the fact that they are fraudulent and identity theft. Please remove XXXX XXXX  XXXX XXXX ... XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ... XXXX from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
While i was in XXXX  i was in the XXXX XXXX. now i am a XXXX XXXX. i told the dept of ed to get ahold of the XXXX XXXX and the XXXX ( 10 years ago ) and they would pay them. instead they have been hitting my credit for the last 10 years consecutively and still are, even though the loans are from XXXX im doing their leg work now to get them paid by the XXXX XXXX and XXXX  XXXX but if i understand correctly, they shouldnt have been reporting on my credit for the last 3 years.

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 2024-11-18 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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