vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from TransUnion, XXXX, and XXXX that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from XXXX, Equifax, and XXXX that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Mobiloans, LLC
State: CA

Complaint narrative:
The company that I am filing the complaint is called " MOBILOANS ''. There is a Mobiloans account on my XXXX report that I was not aware of or heard of. I am a victim of fraud identity/thief. They or someone have used my information and applied for a line of credit. I have never heard of this company before and have never applied for a line of credit with this company. I need to report this as a fraud/scammers company and have it removed from my credit report immediately as it is affecting my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-13 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: IA

Complaint narrative:
I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : 1. Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be Letter enclosed.

2. Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : Letter enclosed.

3. Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be Letter enclosed.

4. Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is Letter enclosed, and all other entries should be deleted.

5. Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score. 
In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions. 
Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : XXXX. Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be Letter enclosed.

2. Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : Letter enclosed.

3. Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be Letter enclosed.

4. Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is Letter enclosed, and all other entries should be deleted.

5. Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information.

I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score.

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions.

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.

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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
THE INFO THAT ON FILE IS ATTACED TO NAMES COMING FROM WRONG INFORMATION ON MY CREDIT THAT IS INACCURATE WITH NAMES AND ADDRESS REPORT MY ON CREDIT REPORT INACCURATE INFORMATOIN THE INACCURATE INFORMATION ON MY REPORT IS CUASING ISSUSE WITH INSURANCE COMPANY AS WELL ON MY CREDIT REPORT FRAUD CAUSE ISSUSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY IXXXX XXXX XXXX  Account Number : XXXX Delete this account. 


9. there is some inaccurate information reporting XXXX XXXX XXXX  XXXX Account Number : XXXX Delete from 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MD

Complaint narrative:
Credit control LLC sent me a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX XXXX XXXX I have not lived in Texas since XX/XX/XXXX. The bill went to collections and it is fraudulent as I never opened the account. I never received bills regarding this energy bill till 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 2024-11-13 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausEquifax, XXXX, and XXXX. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

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 Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausXXXX Experian, and XXXX. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

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 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I applied for a Loan Modification ( third time in a year ) with ShellPoint XXXX XX/XX/year>. 
Trial period was accepted for XX/XX/year> - XX/XX/year> Payments were made each month, including additional payments on XX/XX/year> and XX/XX/year> XX/XX/year> Payment was rejected XX/XX/year> No documentation was received concerning the reason for payment rejection or Loan Modification status, no communication since XX/XX/year>. 
Three phone numbers provided for contact with Shellpoint, ( XXXX and XXXX, XXXX ) all are unanswered with the message " Your call can not be completed at this time '' This has been a recurring problem during the entire one year process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : XXXX, XXXX, and Equifax ) XXXX What happened Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
In accordance with the " FCRA '' ( XXXX XXXX XXXX ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
On XX/XX/2024, I purchased a Google XXXX XXXX gift card from XXXX for {$44.00}. Upon attempting to redeem the gift card to my Google account, I received an error message stating : " We need more info to redeem your gift card. Send us details. '' I completed and submitted the requested information form on XX/XX/2024. 

On XX/XX/2024, Google responded with the following message : " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' I also contacted Google Support via their chat system, but the support agent informed me that they could not assist directly and that I must submit the form. 

I subsequently submitted the information form two additional times : On XX/XX/2024, I submitted the form again with supplementary details regarding my case. Google responded stating that I must wait 72 hours before submitting another request. 

On XX/XX/2024, I submitted the form for a third time. Google replied with the same automated response as my initial submission, stating they were unable to help redeem the gift cards due to account inconsistencies.

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