vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: CA

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it 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 2024-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian put a Collection notice on my credit report of XX/XX/2023 from XXXX XXXX XXXX for {$1600.00}. This was noted as from 5 years ago as when the last payment/money was due, per XXXX. 
I called XXXX and wrote them the same day and they have not yet ever responded. 
I also filed a dispute with Experian, which resulted in Experian stating that XXXX just verified the Collection ; but, did not provide any documentation, proof or law. 
Section 337 of the CA Code limits the Statute of Limitations on a contract to 4 yers from the time of the last due payment.

You should direct Experian, as a matter of law, should remove the notice. 
You should direct XXXX too. 
I do not know who these creditors are or what their issues may be. But, what I do know is they are exactly why we have your agency to insure they do not take advantage of consumers.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
EQUIFAX is not reporting my information to MyFico and it is hurting me. I am not able to get my credit limit raised, new credit cards, a home loan, and more. This is running my mental health into the ground. I can not work with these people. They never answer my letters or my calls either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CA

Complaint narrative:
Evidence attached images. 

Equifax needs to be investigated by US Federal Govt for this conduct XX/XX/XXXX My student loan reported paid in full {$0.00} balance XXXX , % ontime 20 years XX/XX/XXXX Equifax damaged my credit erasing XXXX points FOR OUTSTANDING PAYMENT HISTORY XX/XX/XXXX My student loan reported paid in full {$0.00} balance XXXX , % ontime 20 years XX/XX/XXXX Equifax damaged my credit erasing XXXX points FOR OUTSTANDING PAYMENT HISTORY Within 5 days Equifax Damaged my credit score moving to an different rating. 

XXXX & XXXX ARE ACCURATELY REPORTING. 

XXXX & XXXX DID NOT CHANGE MY SCORES XXXX is always inaccurate XXXX & XXXX are always accurate Why? 

I paid off student loans with 100 % ontime payments 20 years. 

The stupidity in this is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX { Date of Origin } XX/XX/XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) I hope this message finds you well again as of XXXX  ( XX/XX/XXXX ). As a investor in your esteemed corporation, I am writing to express my deep concern regarding the apparent non-compliance with Securities and Exchange Commission ( SEC ) filings, particularly the XXXX, XXXX, and prospectus forms. 

As an investor, I understand that my self liquidating paper / asset-backed-security / application ties into the Securities Exchange Act of 1934 which outlines the essential framework for maintaining a fair and efficient market, and adherence to these regulations is paramount for the well-being of investors as myself. 

Furthermore, I am troubled by the lack of compliance towards The Information for Good, I request a thorough investigation into this matter in Good Faith, for it is my sincere hope that your corporation will take immediate action to rectify any non-compliance issues and uphold the principles of fair and transparent business practices, I look forward to a swift resolution and a renewed sense of confidence in the corporation 's commitment to compliance and investor well-being.

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 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
For a FHA loan, there were several things that shouldn't have passed so easily under the radar. 1. There was a leak next to the washer that had collected mildew. There was a bucket that was collecting the leaking water, and it smelled horribly. 2. There was a mildew on the wall from the leak, and I had to change it. 3.The HVAC was not working. It had to be clean, and it had a dead bird in it and needed freon. 4.Today, ( XX/XX/23 ) I discovered the fireplace not working, because the gas line is damaged and needs a replacement. 5.The bar sink stop up the motor machine don't work. XXXX. The attic had a lot of kind of garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: MO

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2024-01-08 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: HI

Complaint narrative:
I was contacted on XX/XX/XXXX by a representative from Columbia Debt Recovery LLC by phone claiming I had a debt that was placed into collections. The debt was for a total of {$12000.00} for rental charges from an organizational named XXXX. This debt was based in XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I identified that this could not be accountable to me, as I have never resided in California, nor had any financial connections to California. I currently reside in Hawaii, and have done so for the duration of the debt identified. I also have had my credit locked during the identified time through XXXX. I emailed the following statement to Columbia Debt Recovery : XXXX XXXX XXXX Columbia Debt Recovery XXXX XXXX XXXX XXXX, WA XXXX Re : XXXXAccount # XXXX Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by phone, on XX/XX/XXXX and identified the debt as {$12000.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XXXX I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX  Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX XXXX XXXX XXXX Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. SYNCB Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, 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 2024-01-08 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. Self Financial/LEAD BANK Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. XXXX  Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have reached out to XXXX, XXXX, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these XXXX account listed as Charge offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these 3 account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using 15 USC 1681. Please remove XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX off of my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is violating my consumer rights! They reinserted something that's not my account on my credit file. I never received notice within 5 days! remove this inaccuracies or ill sue with 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 2024-01-08 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity has been compromised. Accounts have been opened that were NOT completed by me. I have also found that my identity has been sold on the black market on a site 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 2024-01-08 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently had a fraudulent account removed off of my credit report. They placed it back on there days later with a different debt collector! I tried to file a new FTC report and they recommended me to file a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: IN

Complaint narrative:
All negative things and personal information on any and ever credit reporting act needs to be deleted prudent to the fair credit reporting act. All enquirers all

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 2024-01-08 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
All negative things and personal information on any and ever credit reporting act needs to be deleted prudent to the fair credit reporting act. All enquirers all

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