vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Earlier this year I received an email from Bank of America that they were going to cancel my credit card with them unless I used it by the end of the year. I made about {$40.00} worth of charges. The card had been set up with auto pay so I didn't think anything else of it. On Friday XX/XX/year> I received a notification from my XXXX XXXX account that my BofA credit card was past due. I called BofA immediately asking why auto pay didn't cover it and they didnt have an answer other than stating because I hadn't used it in so long that auto pay wouldnt work. 

This seems like a XXXX violation. Email someone telling them to use their card because they are going to lose it because of inactivity and then, because of the lack of use, disable any auto pay functions and charge them late fees. 

I never received any billing statement or any notification via email or otherwise alerting me that the account was past due. It's almost as if they didnt want to notify me to collect on late fee's/charges. 

I have multiple accounts with BofA and am a platinum customer. I cant XXXX why I received no notification that this credit card was past due and had to find out from XXXX XXXX. I can't XXXX how they would treat someone who isn't a platinum customer. 

I believe that this is their error and simply asked them to update the tradeline due to it being their error and they refused. Once I found out the account was past due I paid it immediately.

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 monetary relief
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report please remove the account. In the interest of transparency and to avoid any delays in processing I have added my bank account statement as proof of address my social security card, passport and state driver license.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a false charge of ( {$750.00} ) and ( {$430.00} ) from XXXX Department of Education listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next XXXX days.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
At the beginning of the month I paid off and closed the account and instead of reporting it as closed they reported it as credit limit decrease which harmed my credit. The account is paid off and closed.

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 2025-01-13 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: TX

Complaint narrative:
I REVIEWED MY CREDIT PROFILE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT THIS IS NOT MINE- THIS IS ILLEGAL AND WRONG - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REVIEWED MY CREDIT PROFILE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT THIS IS NOT MINE- THIS IS ILLEGAL AND WRONG - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My house and my mortgage is XXXX XXXX XXXX, I anticipate payments and I have paid more than XXXX XXXX of my mortgage, if this condition I suppose to stop paying PMI, but the Newrez refused do cancel my PMI payment. 
House appraisal when I bought - {$420000.00} Total financed : {$390000.00} Principal paid : XXXX Principal Balance : XXXX My original mortgage was signed with XXXX and Newrez bought it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I noticed I had a fraudulent account on my credit report, please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing to dispute an incorrect and invalid collection account that appears on my credit report, relating to an apartment I rented at XXXX XXXX during XXXX. Due to financial difficulties caused by the XXXX pandemic, I fell behind on rent payments. In XXXX, through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received a total of {$29000.00} on my behalf. This payment fully covered all past-due rent for that period. 

Under the terms of this relief program and in accordance with the XXXX XXXX XXXX XXXX XXXX ( signed into law on XX/XX/XXXX ), any landlord accepting state rent relief funds was required to waive all additional fees or charges related to outstanding rental balances. Therefore, once XXXX XXXX accepted the rent relief funds, my rental debt was considered resolved. 

Despite this resolution, I am now being charged for an additional XXXX days of rent, allegedly because I did not provide proper notice of my move-out. In fact, on XX/XX/XXXX, I personally handed my XXXX notice to the property XXXX, XXXX XXXX XXXX at the on-site office. Consequently, I am not responsible for those extra rental charges. This debt is therefore both illegitimate and in direct violation of the relief programs stipulations. 

Furthermore, the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has reported a {$4600.00} debt on my credit file and has been mailing letters to my family members and acquaintanceseven though I have not received any direct notification myself. This conduct is improper, harassing, and based on a debt that is not owed.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: IA

Complaint narrative:
Credit karma is stating that I have had XXXX late payments in the last XXXX days and I have not had a late payment in XXXX years. They also always tell me that I am preapproved for credit cards but then when I apply I get denied and credit karma doesnt do anything to remedy that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: NY

Complaint narrative:
I have been contacted via email united states postal service and telephonic harrasment that exhausted working hours .I wanted a deletion due to their own admittance of the breach, however I have not received any resolution and it is delaying my current mortgage underwriting process. I ask timely deletion of any information that do not belong in my report to no avail .According to C.F.R.A I know I do have the right to a fair and accurate reporting I would like that right asserted with in the 72 hours frame they have to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XXXX XXXX  I brought a letter requesting the balance as of my fathers date of death of a joint checking acct. between my father XXXX XXXX XXXX and myself XXXX XXXX XXXX. Date of death was XXXX. I also needed the date I was added to the acct. The person helping me in the branch sent a copy of the death cert. and a letter requesting the information to an office as they couldn't do this in the branch. She sent the letter by XXXX XXXX. It has now been over a month and still no response. To be honest i can not understand how something as simple as this could take over a month. I have called Citizens customer service twice and was told they couldn't help me nor could they give me a phone number to an office that could. If the taxes are paid within 90 days there is a discount on inheritance tax in XXXX Inheritance tax is the reason i need the letter so I can pay the amount due. I also explained that in the letter. I hope I get the letter soon but after over a month, that is questionable. If this is how a customer of over 60 years is treated I can imagine how someone with a few years is treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, a company AMSHERCOLLECTIONSERVICES reported an erroneous amount on my credit report of {$63.00} saying it was from XXXX. 

I made contact with the company, XX/XX/year> and the XXXX thing they said asked for was my social security number, because they couldn't find anything under my phone number. I refused to give that to them as I said I did not even know who they were. XXXX then asked for any alternative phone number which I gave her XXXX. She still couldn't find anything and then asked for my name. I gave her my name and then she said she text her manager. All of a sudden she miraculously found my info but it was under my Business name. I bet she jusXXXX XXXX the phone number I gave her. Then she tells me they no longer are handling the issue it is a law firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then the line went blank. I attempted to call back, but you could tell it instantly routed my call a different way and then after a brief period of hold it sent me to an answering machine. 

You can look up both companies with XXXX searches and see it is a group scam they are running. I am in XXXX XXXX and these types of outfits need shut down. How can they just put fake credit marks on someone's credit report. Now I have to fight to remove that from my previously stellar XXXX credit score as their claim has dropped me to a XXXX. 

The call was recorded and told to them at the beginning of such and I can provide this if needed. 

Company AmSher Collection Services , Inc . 
Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX number listed that I called ( XXXX ) XXXX website for the company that reported. 
https : //www.amsher.com/ I have made no contact with XXXX XXXX as when doing research they have an F rating on XXXX and appear to be part of this Scam Here is there XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-13 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I was listed as an authorized user on my ex 's Macys Card I have since been removed, I want this tradeline removed from my credit file immediately I have attempted to file a dispute with the credit bureaus and you have refused to remove this account.

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 2025-01-13 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
I have XXXX accounts with XXXX. 
XXXX. I've never been late. 
XXXX They have me being late twice in XXXX and XX/XX/year>. 
XXXX. It shows as XXXX  days late. 
You can't be late twice and XXXX past due.

Company response to consumer: Closed with explanation