vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
Complaint : As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I & # XXXX ; m requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I & # XXXX ; m requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I & # XXXX ; m requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorney & # XXXX ; XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Kikoff Inc.
State: AL

Complaint narrative:
I open a Kikoff account with a line off of {$750.00} credit limit on XX/XX/XXXX I paid it off on XX/XX/XXXX I open another account with Kikoff around XX/XX/XXXX of XXXX. They reported late payments on that account. Ive been back-and-forth with them over a year to correct their mistakes and try to close the account and get a refund. They refused to refund my money they refused to correct the mistakes on that account, and still in accurate information destroyed my shoppers cart and my reputation for my credit worthiness reporting app. I also been going back-and-forth with XXXX XXXX and now XXXX on an FRCA 15 USC 1681. I am due for an accurate credit report XXXX  XXXX and XXXX XXXX help open a different open dates different closes dates last reporting dates different dates of last activity late payment dates is different on all three and XXXX sitting pictures so you can see for yourself which is a violation of my rights, Ive been disputing this. They failed to comply with the laws on the FCRA as their duty to correct the information on my credit report which after 30 days it have to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
See the previous complaints regarding this same request. I have also sent this request via letter to the address provided in the company 's previous response. My request remains the same. Ive requested validation of this debt ( XXXX times now ), i.e. my authorization/approval ( signature ) of the purchase of this timeshare. XXXX provided a credit card application which is not my signature, cardmember agreements, billing statements, and terms and conditions. None of which represents a validation of the charge to this account in the amount of {$4100.00}. Proper validation would be an agreement or contract with my signature authorizing and agreeing to terms of the timeshare purchase. You stated in the response there was an e-signature but failed to provide evidence of those documents. E-signature software does produce documents/agreements/contracts which would be critical to the purchase of property. Having my name, address, and email address does not make it Acknowledgement and Consent. My information was used without my consent and that makes it fraud. Thats the real crime... .someone used my information without my authorization/approval. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. Reporting it would be an inaccurate representation of the truth. Inform them that the debt is disputed, and request they remove it from my credit report. Reporting information that you know to be inaccurate violates the Fair Credit Reporting Act.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My state and all applicable federal laws and standards of ethical reporting of consumer information must meet minimal criteria of compliant expressed or be removed. You do NOT have option to hold on to not indubitable testimonially compliant data so do NOT. Please assure the factual compliance of reporting process ( es ) and the mandated XXXX XXXX XXXX XXXX XXXX standard of lawful ethical reporting as is related to any alleged and demonstrated cite evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else XXXX  unequivocally as believed. note the CERTIFIED COMPLIANT REPORTING of factually certifiably claim 's of negativity or else eradicate claim today, even RIGHT NOW!

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Haven't received a credit update in 6 months starting to get very worried. XXXX is no longer showing updated reports since 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Haven't received a credit update in 6 months starting to get very worried. XXXX is no longer showing updated reports since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am a XXXX XXXX XXXXg. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft due to a data breach. Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiries be blocked and permanently deleted from my credit file : Account to be Blocked and Deleted : XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: DC

Complaint narrative:
I paid off my XXXX XXXX student loan ( later transferred to Mohela ) in XXXX after deploying to XXXX and saving funds towards this significant bill. However, in XXXX, the company reported 9 months of late payments on my credit report. For years, I've asked for Mohela to remove this negative mark. However, they only mark the account as paid have yet to remove the late payment marks which are inaccurate since the loan was paid off XXXX prior per Mohela 's congratulatory Pay Off letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-11-27 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I request the urgent blocking and removal of unauthorized accounts on 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 2024-11-27 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: NY

Complaint narrative:
Ive noticed that several companies have accessed my credit report without my authorization, which has negatively impacted my credit score. I contacted Equifax, and their representative assured me these inquiries would be removed. Yet, despite their promise, they are still listed on my report. The presence of these unauthorized inquiries is extremely concerning, as it raises the possibility of identity theft. This situation is causing me significant XXXX and unnecessary stress, especially since I work hard to maintain a good credit profile. These inquiries are not only harming my financial health but also disrupting my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Several accounts on my credit report seem fraudulent ; I ask for their immediate investigation and removal.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Accounts I didnt authorize are appearing on my report ; block and resolve these fraudulent items.

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 2024-11-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-27 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 am filing a formal complaint regarding the continued reporting of a bankruptcy and associated accounts by EXPERIAN, despite their failure to properly verify the accuracy of this information. EXPERIAN failed to properly investigate and verify the accuracy of a bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EXPERIAN failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements. 

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided. 
4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination. 
5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy. 
6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness. 

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to EXPERIAN. 
Proof of address, Id, and Social Security Thank you for addressing this matter 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Please see the detailed letter and exhibits uploaded that explain the issues with Mr. Cooper. I applied for a Flex Loan Modification and it was approved in XX/XX/XXXX. I had until XXXX to get the application signed and returned to Mr. Cooper. I was in the hospital XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I still made the payments according to Mr. Cooper representative. I had many issues w/the process that Mr. Cooper will not take accountability for their mistakes. The issues ( 1 ) setting up automatic payments, ( 2 ) late payments of property taxes causing me penalties, ( 3 ) issues with the escrow impound account and issues with homeowners insurance, ( 4 ) refusal to accept payments over the phone even with approval by a manager ( Code 55 ), ( 5 ) 15 different reps giving me misinformation and conflicting instructions to complete the process. There was an impound account but I was paying the property taxes and homeowners insurance that was supposed to be paid by Mr. Cooper. The took payments until XX/XX/XXXX. Then Mr. Cooper stopped accepting payments. The first Flex Loan Mod payments were {$8300.00}. They cancelled it. Then said I could appeal. I appealed. Mr. Cooper offered me Second Flex Mod at payments of {$21000.00} per month. Although I had/have {$210000.00} in the bank to pay ; Mr. Cooper refuses and wants me to pay the entire loan off or it will foreclose on me. I've had a terrible experience dealing with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
Please take this complaint seriously and review the attached file. I have been trying for far too long to correct the errors on my credit report, but my efforts have been repeatedly ignored. Despite multiple requests to address the inaccurate information, nothing has been resolved, and Ive reached my breaking point. These errors are impacting every aspect of my life, from my financial stability to my emotional well-being. The stress caused by this situation is overwhelming, and with my credit score suffering because of these mistakes, I cant even afford the help I might need to cope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
Unauthorized credit applications have been made in my name, which has had a damaging impact on my credit and score. I reached out to Experian, and a representative assured me that these fraudulent inquiries would be removed. Despite this assurance, the inquiries remain on my credit report. This ongoing issue is deeply concerning, as it not only harms my credit but also raises the possibility 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 explanation