vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: PA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 non-monetary relief
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I made monthly money order payments to Mr. Cooper from XX/XX/XXXX to XX/XX/XXXX in the amount of {$3300.00}, and payment in XX/XX/XXXX and XX/XX/XXXX in the amount of {$3300.00}. Mr. Cooper did not credit the payments to the mortgage loan. Each month Mr. Cooper would send letters stating the payments were returned but Mr. Cooper did not send me a check refunding the money. Also, Mr. Cooper did not return the original money orders mailed from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint with the Consumer Financial Protection Bureau requesting that either the money be credited to the loan and the loan amount reduced by the interest, late fees, attorney fees, etc. that accrued in XX/XX/XXXX to the present due to Mr. Cooper 's failure to credit the account, and rehabilitation of my credit score, or a refund from Mr. Cooper in the amount of {$23000.00} plus interest for the amount of time Mr. Cooper has possessed the money and rehabilitation of my credit score. Mr. Cooper has neither returned the money nor credited the mortgage loan account. The balance of the mortgage loan should paid in full by Mr. Cooper. On approximately XX/XX/XXXX Mr. Cooper responded that it was working with Account XXXX Department regarding the status of the money order sent. As of the date of this complaint, Mr. Cooper never provided me with a written response advising of the " status '' of the money orders received by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 2024-05-09 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 am writing to request the immediate removal of information as soon as possible from my credit file that resulted from alleged identity theft. I have previously reported this identity theft and provided documentation supporting my claim. I am resubmitting this request in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such items not later than 4 business days.

Given the urgency of this matter and the legal obligation under FCRA, I expect prompt action to remove the disputed information from my credit file. I request that you provide confirmation of the removal once the necessary steps have been taken.

Failure to comply with FCRA guidelines and address this request in a timely manner may result in further action being taken to protect my rights under the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
I am writing to request the immediate removal of information as soon as possible from my credit file that resulted from alleged identity theft. I have previously reported this identity theft and provided documentation supporting my claim. I am resubmitting this request in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such items not later than 4 business days.

Given the urgency of this matter and the legal obligation under FCRA, I expect prompt action to remove the disputed information from my credit file. I request that you provide confirmation of the removal once the necessary steps have been taken.

Failure to comply with FCRA guidelines and address this request in a timely manner may result in further action being taken to protect my rights under the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I am making a complaint about XXXX XXXX on XX/XX/XXXX, I received an email saying that I can pay off my loan for a lesser amount to get my title. The original loan amount was XXXX I was told I could pay XXXX to receive my title, and be released from any loan obligations and my credit would show a balance of paid in full. On XX/XX/XXXX of XXXX I unfortunately was in a car crash on XX/XX/XXXX of XXXX, My car was declared a total loss. On XX/XX/XXXX, I called XXXX XXXX and was told I had a remaining balance of XXXX  by the XXXX XXXX representative, I made the following transactions XXXX at XXXX XXXX, XXXX XXXX XXXX  and the XXXX  payment XXXX at XXXX am, I had called to talk with my personal advisor XXXX around XXXX XXXX, I was told my XXXX my obligation was fulfilled and she will expedite it, so my insurance payout would not be touched, my credit will be updated within XXXX XXXX  days, I could not received a confirmation email, I would receive something in the mail within XXXX XXXX days! On XX/XX/XXXX my insurance general paid XXXX XXXX XXXX, it cleared on XXXX/XXXX/XXXX since I had paid off my obligation a XXXX  prior, and was assured that my insurance payout would not be touched, XXXX should have not accepted anything from my insurance, the general! I don't know if it was a system glitch! On Friday XX/XX/XXXX at XXXX I had called XXXX to ask them why it was taking so long for them to send the money back to the general! I was told that they would be keeping a portion of my insurance payout and I would receive my last payment back of XXXX in the form of a gift card by crystals supervisor, who said on XXXX  XXXX XXXX he would call me back with XXXX but that never happend! I did call XXXX back on XXXX XX/XX/XXXX when I asked to be transferred I was told to write an email which I did and never got a response back! XXXX XXXX claims my insurance paid them on XXXX XXXX and it cleared on XXXX XXXX canceling out the payout offer! I have proof stating otherwise from my insurance company and my insurance could not have paid them XXXX  days after my accident because it wasn't declared a loss until XXXX XXXX. XXXX XXXX is still reporting on my credit the amount of XXXX as of XXXX XXXX, it only lowered to amount reflecting my last XXXX payments in XXXX and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: AR

Complaint narrative:
Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. 

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines. 

I request that you provide confirmation of the removal of these fraudulent accounts once the necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : 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

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 2024-05-09 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: AR

Complaint narrative:
Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. 

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines. 

I request that you provide confirmation of the removal of these fraudulent accounts once the necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this 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 2024-05-09 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: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
A lots innaccuracy items of information contained in my consumer file. I try to get them a solution and they never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC
State: SD

Complaint narrative:
I chatted online with a XXXX XXXX online. On XXXX XXXX. Told her I thought I overpaid between the debt collection agency and XXXX XXXX XXXX XXXX. I also emailed the XXXX XXXX XXXX XXXX on XX/XX/2024. They said that the money I sent them went to the debt collection agency. When I requested a statement showing when I made my payments. I wanted it to show me the dates also that the XXXX XXXX XXXX XXXX. Sent the payments too. She just emailed me a copy saying that my debt was paid in full. Which I already knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting 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 non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting 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 non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-05-09 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:
I am writing to you with an urgency that demands immediate attention. It has come to my attention that fraudulent accounts are still being reported on my credit file, despite numerous attempts to rectify this matter. This is unacceptable, and I will not tolerate any further negligence on your part. 

XXXX XXXX XXXX, XXXXXX/XX/XXXX 

Let me be unequivocally clear : the presence of these fraudulent accounts on my credit report is damaging my financial reputation and causing irreparable harm. I have diligently followed all necessary procedures to dispute and rectify these inaccuracies, yet they persist. Your failure to address this matter promptly is not only negligent but also a blatant disregard for the law and my rights as a consumer. 

I demand that you take immediate action to cease reporting these fraudulent accounts on my credit file. Failure to do so will result in severe consequences for your bureau. I am prepared to pursue all available legal avenues to ensure that my rights are protected and that justice is served. 

Furthermore, I expect a written response from you within the next XXXX business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I demand full documentation outlining the steps taken to investigate and rectify this matter.

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