vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
My XXXX, Transunion and XXXX credit report inaccurately reflects my personal identity, address, and includes incorrect negative remarks. I have only resided at one address. As an XXXX XXXX member of the XXXX XXXX, these errors have caused significant issues in my life, affecting my ability to obtain credit and impacting other aspects of my personal and financial wellbeing. 

According to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, my credit report should reflect only accurate information, including a credit score of XXXX and a credit limit of {$250000.00}, along with all positive information. The errors in my report are a direct violation of my rights under these laws. 

If these issues are not corrected in a timely manner, I am prepared to pursue legal action, including filing a lawsuit, to ensure compliance with federal laws and to protect my rights to privacy and accuracy in credit reporting.

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 2024-08-06 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: IL

Complaint narrative:
My XXXX, XXXX and Equifax credit report inaccurately reflects my personal identity, address, and includes incorrect negative remarks. I have only resided at one address. As an XXXX XXXX member of the XXXX XXXX, these errors have caused significant issues in my life, affecting my ability to obtain credit and impacting other aspects of my personal and financial wellbeing. 

According to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, my credit report should reflect only accurate information, including a credit score of XXXX and a credit limit of {$250000.00}, along with all positive information. The errors in my report are a direct violation of my rights under these laws. 

If these issues are not corrected in a timely manner, I am prepared to pursue legal action, including filing a lawsuit, to ensure compliance with federal laws and to protect my rights to privacy and accuracy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted 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 explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
I am filing this complaint against Lakeview Loan Servicing LLC due to several serious issues with my mortgage account. The problems I have encountered include : 1. **Failure to Provide Proof of Debt : ** - Lakeview Loan Servicing LLC has failed to provide adequate documentation proving that I owe the alleged debt. Despite multiple requests, they have not furnished the necessary evidence to substantiate the claim against me. 

2. **Improper Handling of Earned Interest : ** - The company has not appropriately utilized or transferred the earned interest associated with my principal 's account. This interest should have been credited to my account, yet it appears to have been mishandled or neglected altogether. 

3. **Wrongful Pre-Foreclosure Action : ** - Lakeview Loan Servicing LLC has taken pre-foreclosure action against me, even though my account should have been discharged. As a federally protected consumer, I am entitled to certain protections that the company has disregarded, resulting in unwarranted stress and financial harm. 

These actions by Lakeview Loan Servicing LLC have caused significant distress and financial hardship. I believe their conduct is not only unethical but also potentially in violation of federal consumer protection laws. 

I request that the CFPB investigate these issues and take appropriate action to ensure that Lakeview Loan Servicing LLC complies with all applicable laws and regulations. Specifically, I seek the following resolutions : - Provision of clear and accurate proof of the alleged debt. 
- Proper crediting or transfer of the earned interest associated with my principal 's account. 
- Cessation of any wrongful pre-foreclosure actions and correction of any related records. 


I require the following Supporting Documents : - Copies of correspondence requesting proof of debt. 
- Account statements showing earned interest. 
- Documentation related to pre-foreclosure actions. 
- Any other relevant documents.

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 2024-08-06 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: CT

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

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 2024-08-07 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several accounts listed on my credit report that do not belong to me. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that my rights have been violated, and I seek your assistance in resolving this matter. Below are the details of the disputed accounts : XX/XX/XXXXXXXX XXXX XXXX ) These accounts are not mine, and I am concerned about the impact this misinformation may have on my credit standing. Violation of My Rights : Right to Privacy : According to 15 U.S.C. 1681 section 602 ( a ), I am entitled to the privacy of my credit information. The inclusion of these accounts on my credit report, which do not belong to me, constitutes a violation of my right to privacy. Failure to Obtain Written Instructions : As per 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. The reporting of these accounts, without my consent or knowledge, violates this provision of the FCRA. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA by the involved consumer reporting agencies. I also request that these incorrect accounts be removed from my credit report promptly. Enclosed with this letter, you will find copies of my credit reports from XXXX and Experian highlighting the disputed accounts, along with any other relevant documentation. I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at the above-listed contact information if further information or clarification is required. Thank you for your assistance in safeguarding consumer rights under the FCRA. Sincerely,

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-06 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: CO

Complaint narrative:
I received an email from Credit Karma that my email address was changed. It has been years that I even used Credit Karma and to receive an email from them that my email address was changed made me concerned. I wondered if the email was a scam because it was signed as " Cheers, Credit Karma Team ''. For something involving personal information and a company to end a letter with " cheers '' is highly unprofessional and too casual for business communications. 

I went to the credit karma site and tried to log in and it said I had no account with my email. They have no clear means of contacting them, but did see an online chat which I used. 
I explained the situation and they provided me with an email I have never seen before who my account was changed to. They said they would put a block on it and i would be hearing from them within the next 5 min in an email or phone call. This did not happen. 

What worries me is possible identity fraud and I'm checking everything carefully. 

Also, credit karma is owned by XXXX which also has XXXX, and other companies that handle people 's personal info and I'm concerned that there is a possible breach that will affect millions of people. I hope your organization can investigate and intervene as soon as possible to prevent further problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional finance cashed a fake check in my name. I reported this with my bank. I reported it with regional finance and I reported it with the credit unions 3 to 4 years ago. There is no activity on it but the increase in balance continues to go up and it continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2024-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XX/XX/year> I received a major derogatory through XXXX remarks alert from my XXXX  send by this collector SUNRISE CREDIT SERVICE opened XXXX Status Date : XXXX Payment Status : XXXX XXXX XXXX ( Collections ). Which I'm not aware of any owned debts. I XXXX THEM. CALLED THEM TO REPORT THIS WAS FRAUDULENTLY SPOKE TO THEIR FIRST REPRESENTATIVE THAT HANDS UP I MY FACE BECAUSE I WAS ASKING HER TO VERIFY WHOM THEY WERE COLLECTING THE DEBT FOR. CALL BACK AGAIN ASK TO SPEAK TO THE MANAGEMENT AND ASK AGAIN WHO THEY WERE COLLECTING FOR WHICH SECOND REPRESENTATIVE TOLD ME IT WAS FOR XXXX XXXX XXXX I TOLD THEM THAT THIS WAS A FRAUDULENTLY DEBT I LIKE TO SPEAK TO A MANAGEMENT WHICH THEY REFUSES TO TRANSFER ME. THEY TOLD ME THAT SHE WAS BUSY I TOLD THEM I'LL WAIT THEY HAND UP ON ME THE SECOND TIME. THIS DEBT IS FRAUDULENT.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$12000.00}, Hawaii XXXX XXXX XXXX XXXX XXXX. {$7400.00}, XXXX XXXX XXXX bal. {$7800.00}, XXXX XXXX XXXX bal. {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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