vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Off Accounts from Credit Reports Complaint Details : To Whom It May Concern, I am submitting this complaint to request the removal of inaccurate charge-off accounts being reported on my credit reports by XXXX, TransUnion, and XXXX XXXX The accounts listed below no longer represent valid debts and are inaccurately reported, as the amounts in question have been canceled and considered taxable income by the IRS. 

According to IRS regulations, canceled debt is treated as income and is reportable to the IRS via a Form 1099-C. Such income can not simultaneously be reported as outstanding debt on credit reports, as this practice creates a misleading and unfair representation of my creditworthiness. This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information. 

The accounts that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report ( Report # XXXX ) for reference. 

Requested Resolution : I am requesting that XXXX, TransUnion, and XXXX remove the above-listed accounts from my credit reports immediately. Additionally, I request confirmation of these actions and a copy of my updated credit reports. 

Complainant Information : Name : XXXX XXXX Email : XXXX Address : [ Insert Your Address ] Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Off Accounts from Credit Reports Complaint Details : To Whom It May Concern, I am submitting this complaint to request the removal of inaccurate charge-off accounts being reported on my credit reports by XXXX, XXXX, and Equifax XXXX The accounts listed below no longer represent valid debts and are inaccurately reported, as the amounts in question have been canceled and considered taxable income by the IRS. 

According to IRS regulations, canceled debt is treated as income and is reportable to the IRS via a Form 1099-C. Such income can not simultaneously be reported as outstanding debt on credit reports, as this practice creates a misleading and unfair representation of my creditworthiness. This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information. 

The accounts that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report ( Report # XXXX ) for reference. 

Requested Resolution : I am requesting that XXXX, XXXX, and Equifax remove the above-listed accounts from my credit reports immediately. Additionally, I request confirmation of these actions and a copy of my updated credit reports. 

Complainant Information : Name : XXXX XXXX Email : XXXX Address : [ Insert Your Address ] Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XXXX : I have been in attempts to have Mr. Cooper mortgage comprehend that the foreclosed debt public file needs to be completely removed from my name/identifying information. 

XXXX XXXX XXXX Is XXXX. I was XXXX XXXX XXXX ; Not XXXX ( an adolescent ). 
The public foreclosure SHOULD NOT be attached to me, XXXX XXXX XXXX as Foreclosure /Foreclosed/Dismissed/Closed at all. I Never Owned The Home Or The Land In 1992 or anytime Current ; neither have I ever been a homeowner in my life at all. 

XXXX XXXX XXXX Should NOT have ever been listed/typed on my XXXX XXXX XXXX XXXX XXXX mortgage loan for any dismissal of debt/foreclosure to be in his name ( XXXX XXXX XXXX ) at all in which he is a very unknown person. 

Please REMOVE THE PUBLIC RECORD FROM ALL COURT NETWORKS STATE/WORLDWIDE IT'S CAUSING ME TOO MUCH PERSONAL AND FINANCIAL DAMAGE IN ALL AREAS OF MY LIFE TO ALMOST BEYOND POVERTY, DISPAIR and SEVERE DURESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/year> XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00}

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 2025-01-08 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: SC

Complaint narrative:
YOUR COMPANY IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CONSUMER REPORT. THESE ITEMS ARE A VIOLATION OF THE FCRA BECAUSE THEY ARE INACCURATE AND UNVERIFIED. YOU ARE REQUESTED TO DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY BECAUSE THE INACCURATE INFORMATION IS STILL REPORTING ON MY CONSUMER REPORT. DELETE : ( 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 non-monetary relief
Consumer complaint received 2025-01-08 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 have a hard time getting in contact with a representative to actually get ahold of to acquire about getting inquiries removed Ive contacted the company directly about getting all 4 inquiries I didnt recognize on my Experian credit report having a hard time getting removed need assistance getting stuff removed I never applied for nor received anything

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 2025-01-08 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: NY

Complaint narrative:
EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/year> ) due to identity theft. EQUIFAX and XXXX XXXX  have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/year> ) due to identity theft. EQUIFAX and XXXX XXXX have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: HI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 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: GA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX  XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.|

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 2025-01-08 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right o privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a customer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I started off with my Name XXXX XXXX as well as the account XXXX at XXXX who no longer has the account the I stayed my full term for 12 months never late until it was time to renew my lease I caught XXXX in XXXX  and my son was in the hospital due to XXXX failure. 
Before 7 days I received an email that it will not be removed because the account was correct Even with the doctor bills I didnt understand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures : - Identity Theft Report - Proof of Identity - Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-08 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

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 2025-01-08 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My wife and I were shopping for a HELOC for home improvements and we came across Citizens Bank. I filled out a pre approval form and nothing generated ( XX/XX/XXXX ). I received an email from a loan originator XXXX XXXX looking to assist in the application ( XX/XX/XXXX ). After a couple emails back and forth and learning would qualify for their Goal Builder HELOC product with a maximum amount of {$25000.00}. She did say Citizens has a 6 month ownership requirement but she can get an exception ( this is in writing from her ) ( XX/XX/XXXX ) and she also sent us an application to complete which we did the same day. We received a conditional approval on XX/XX/XXXX and was pending a drive by appraisal. One of her colleagues called me on XX/XX/XXXX to let me know that she was waiting on the appraisal and we should hear back by Thursday and to close by next week.

I received a call today XX/XX/XXXX from XXXX saying that the HELOC was coming back as a decline due to the home ownership minimum requirement and that she couldn't get an exception now due to our credit scores being below the minimum to get an exception. She said that she was unaware of this supposedly or she wouldn't have had me apply. I would have never applied or had a hard credit pull if I knew the exception couldn't be made. This is a blatant deceptive sales practice in order for this originator to garner an application and should know her products her bank offers. I was also forced to open a checking account online after being told the loan was conditionally approved.

Company response to consumer: Closed with explanation