vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 

I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 


Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all accounts listed below are related to the bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 


Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 


Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX Remove credit report ... My rights under 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have Capital One Venture One Visa card. 

There is a number on the back of the card to call. 

When I call that number after going through all the prompts the automated system tells me the wait is more than 20 minutes. I don't have 20 minutes. I have no other way to communicate with Capital One. 

Please help me be able to communicate with them with out spending an unreasonable period of my personal time. I am not their employee. They do not compensate me for my lost time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I sent a letter requesting Validation of debt owed and the debt collector sent me medical records. This was a violation of XXXX law. It is disturbing that a debt collector can access my health records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NE

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-09-19 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: NE

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: NE

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-09-19 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 

Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all account below are related to the bankruptcy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 

Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 

Thank you, 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 2023-09-19 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: CA

Complaint narrative:
It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. The relentless denial of my identity theft claim has subjected me to prolonged anguish and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on my financial stability and emotional well-being. XXXX XXXX XXXX XXXX. Please delete these account ASAP.

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 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit ADJU... Remove credit report ... My rights under 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Our mortgage was sold by XXXX XXXX to Roundpoint Mortgage Servicing LLC. 
XXXX XXXX kept us fully informed regarding the changeover.which took place in XX/XX/XXXX  The payments are withdrawn by Roundpoint Mortgage Servicing LLC from our bank account by ACH. 
All due amounts have been withdrawn from our bank account. 
We received a notice informing us that we owed a debt to XXXX XXXX  in the amount equal to two missed payments. this notice was sent by them in their capacity as a debt collector. 
We have tried repeatedly to contact the company, to no avail. the automatic answering machine will not contact us with an agent or any human being. 
We have also tried to email them. but you have to set up an account which doesn't work. 
My husband and I are both in our eighties and this is causing enormous stress. 
I feel it should be mandatory that any company that operates in California or any other state should be obliged to have a phone service available to all customers.

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 2023-09-19 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: LA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX was reporting inaccurate on my credit report in violation of XXXX XXXX. I need this to be updated or removed accordingly. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-19 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-19 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: NC

Complaint narrative:
XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote XXXX, XXXX, Experian About some inaccurate And Incomplete Credit information. and I Demanded to see Verified Proof. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED THE 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
At this time I would like to know who's in charge of the CFPB redress of allocations and CFPB investigations. 

because attorney general XXXX of Connecticut. & every official office has failed my family as MY LATE HUSBAND WITH A CREDIT SCORE OF XXXX AND I AND OUR XXXX CHILDREN were PROMISED a simple hardship modification due to the fact that my husband of XXXX  years, OUR ONLY SOURCE OF INCOME was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS HARD AS THAT WAS AND FOUGHT ON TO PROTECT OUR HOME FOR MY FAMILY ARE FOR CHILDREN AND AS SOON AS I HAND DELIVER THE DEATH CERTIFICATE WELLS FARGO XXXX ATTORNEYS HAD OTHER ILLEGAL UNLAWFUL AND DECEITFUL PLANS! I HAD A UNITED STATES DISTRICT COURT CASE IN WHICH ALL PARTIES WERE PERCEIVED NO FURTHER EXCEPT IN THAT COURT HOWEVER 2 DAYS AFTER THE USDC XXXX XXXX ct XXXX XXXX XXXX ordered all parties to proceed. No further in any other court!! MY DEED WAS ILLEGALLY UNLAWFULLY TRANSFERRED TO KNOWN REAL ESTATE PREDATORS WHO THEN STOLE OUR HOME FOR XXXX. WE LOST EVERYTHING AFTER XXXX FIGHT AND WE'RE HOMELESS DESPITE NY FILING THE XXXX XXXX XXXX 

ALL ALONG THESE PEOPLE SOUGHT PROFIT OVER MY FAMILY - IN EVERY COURT TO EVERY JUDGE AND EVERY OFFICIAL I NEVER WAVERED IN MY TESTIMONY AND I HAD ALL MY DOCUMENTS IN ORDER,!! 

NOT FRAUDULENT PERJURIOUS DOCUMENTS TESTIMONIES THAT THESE PARASITES WERE COMMITTING IN OUR COURTS, ALL ALONG XXXX XXXX vultureS WERE GOING TO FLIP OUR HOME AND I TOLD EVERY JUDGE THE SAME THING AND THEY DID- THEY FLIPPED IT FOR A {XXXX} we got NOTHING!!!! JUST SHATTERED HUMAN BEINGS!!! 

MEANWHILE despite 2 APPELLATE CASES, state judge reached in on over and removed our protection from the stay! AS OF XX/XX/2020 With a CT STATE XXXX XXXX forcibly removed us from our only home, OUR XXXX CHILDREN & I LOST EVERYTHING INCLUDING ONE OF OUR RESCUE PETS - AN EMOTIONAL SUPPORT ANIMAL WAS NEVER SEEN AGAIN - Indoors ONLY! 

Attn : XXXX XXXX PLEASE HELP MY FAMILY AT LEAST REGAIN THE PRINCIPAL AMOUNT OF OUR ONLY FAMILY HOME + irreparable damages done to my family by these predators. I've probably submitted a dozen complaints to the CFPB, the department of banking, everyone that was supposed to help and protect us and no one did anything to protect OUR RIGHTS

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 2023-09-19 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-19 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: MD

Complaint narrative:
XXXX and TransUnion failed to conduct a reasonable investigation and in a timely manner when i disputed the information. 
1. Date of Last Activity according to TransUnion is XX/XX/XXXX and according to XXXX is XX/XX/XXXX furnishing inaccurate, unauthorized and incorrect information. 
2. Date Opened according to TransUnion was XX/XX/XXXX and according to XXXX XX/XX/XXXX again furnishing inaccurate, unauthorized and incorrect information. 
3.Account Charged off as bad debt Dispute resolved ; reported by grantor whereas Account was in dispute- now resolved - reported by subscriber.

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 2023-09-19 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: GA

Complaint narrative:
I have inquires on my Experian consumer report that I did not give consent to. These inquiries do not benefit me. They are unauthorized. Please block and delete them. 
XXXX 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 2023-09-19 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; EQUIFAX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: LA

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2023-09-19 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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