vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lloyd & McDaniel, PLC
State: NY

Complaint narrative:
Hello I am reporting the inaccuracies on my credit report that causing me to run into issues. Lloyd & McDaniel , PLC Is shown to charge off an auto loan in XXXX of XXXX. Recently I pulled my credit report while car shopping and it states that its been Charged off for consecutive months leading up to the last update being XXXX of XXXX which is pushing back the statue of limitations causing debt to continue with an account thats been consider loss. US Code is 15 U.S.C. 1681e. This code is part of the Fair Credit Reporting Act ( FCRA ), which governs how credit reporting agencies ( CRAs ) access and handle consumer credit reports. The FCRA promotes accuracy, fairness, and privacy of personal information which the Creditor is providing inaccuracy information. Once the account was consider Charged off I did not receive an 1099c form which I requested from the creditor thats located at XXXX XXXX XXXX XXXX XXXX Post Office Box XXXX XXXX, KY XXXX - XXXX phone number : ( XXXX ) XXXX I also reached out to XXXX XXXX regarding the situation because on my credit report it states that theyre the creditors whos currently updating inaccurate information on my report but when sending over an email they responded that they would not contact me on my new email it would have to be the email that was associated with the account, unfortunately I no longer have access to that account. I called early morning of XXXX XXXX at XXXX and they informed me that they can not update my new email which is them cutting communications with the issues and damages I am currently facing because of the inaccuracies on my credit report. When making that call to XXXX XXXX thats when I was informed that a debt collection agency has my account but on my credit report it states XXXX XXXX. 
Thank you for understanding and I would hope this is fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
Discovering that I've been a victim of identity theft has been deeply upsetting. Someone used my personal information without permission, opening accounts and conducting activities that I had no part in, all of which appeared on my credit report. Realizing how serious the situation was, I acted immediately. I reached out to Experian, and they advised me to report the incident to the Federal Trade Commission ( FTC ), which I did right away. Despite all these steps, the false entries are still on my report, leaving me frustrated and worried about the potential damage to my credit and overall financial health.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complaint, XXXX, DVR and demand for disclosures under TILA against Experian [ controlled by XXXX XXXX ] and XXXX who owns XXXX XXXX XXXX XXXX XXXX fully owned by XXXX XXXX XXXX  and since XXXX owned by XXXX XXXX fund acting under name of XXXX XXXX. On XX/XX/XXXX Experian Artificial Intelligence [ robots ] generated unsigned " response '' to my disputes where Artificial Intelligence insisted that information on my Credit Report was updated and verified as " accurate '' - which is not true and can not be true. 
First, it is illegal and perhaps criminal for Experian [ XXXX XXXX ] to use Artificial Intelligence [ robots ] to conduct verification of customers disputes and respond to customers with false information. I demand to provide me the name and contact information for an authorized individual employee of Experian who can personally verify how exactly Experian verified information on my credit report and provide me copies of documents based on which this information was verified. 
According to Experian response regarding my dispute with defunct faux " servicer '' [ not lender XXXX XXXX XXXX XXXX XXXX XXXX [ fully owned by XXXX XXXX XXXX XXXX ], " the compnay that reported the information has CERTIFIED to Experian that they information is accurate. XXXX became XXXX in XX/XX/XXXX and obviously can not " verify '' anything to Experian in XXXX. 
I demand to provide me the name of the Company who provided this Certification to Experian, the copy of this certification as provided to Experian, and the name of individual employee of the company who was authorized to provide this certification and has personal knowledge about information furnished to Experian regarding account XXXX I also demand to provide me a copy of verification for information related to disputed account XXXX and the name and contact information for an individual authorized employee of the company who submitted this verification I demand to immediately remove this derogatory information until Experian provides me proof of verification from the companies and its individual employees who furnished it.

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 2024-11-19 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-19 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-19 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
MY HOME IS IN A FEMA DECLARED DISASTER ZONE FROM HURRICANE HELENE AND MILTON. I MADE MULTIPLE REQUESTS VIA TELEPHONE AND WEBSITE REQUESTING ASSISTANCE WITH MY MORTGAGE. I NEVER RECEIVED A RETURNED PHONE CALL, EMAIL, USPS MAIL, OR ANY TYPE OF FOLLOW UP AFTER MULTIPLE REQUESTS. I AM IN A HARDSHIP DUE TO DAMAGE TO MY HOME. THIS COMPANY HAS BEEN IMPOSSIBLE TO DEAL WITH AND I WISH MY MORTGAGE WAS NEVER TRASFERRED/PURCHASED BY THEM.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check via atm on Saturday XX/XX/year> to my 5th 3rd bank account. This check was payment to me from the law offices of XXXX XXXX, in regards to a real estate sale in the ammount of {$36000.00}. This sale is public record, the law office has a phone number on the check. The bank ( 5th3rd ) is claiming to have " confidential information '' that the check may not clear. They will not disclose this information and in my opinion that is because they have no information. The expedited funds availability act states that the XXXX  XXXX dollars be made available to me by the next business day after the business day of the deposit. It is now that day ( XXXX days into the week ) since I deposited it on a weekend. I have no funds available to me and the hold will not be released untill XX/XX/year> a full XXXX business days after the deposit was made. According to the expedited funds availability act this is a violation of my rights as a consumer. I would have gladly taken the check to XXXX of my many other bank accounts but as they tell me it has been deposited. I definitely can't tell that it has, because I have no funds accessible. If I had been a " preferred wealth client '' this would have never happened. This check is the result of a publicly recorded real erstate transaction, it is from the trust account of a law office. They can not possibly possess ANY CREDIBLE information that it may not clear. They will not tell me what information they made there decision off of. They should have to fully answer as to the credibility of their supposed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
in XXXX I received a phone call from Reliant solutions about a collections, I told them I don't know what they were talking about. I checked my Credit report and XXXX and behold I'm in Collections with this company for {$3700.00} The original creditor is XXXX XXXX XXXXXXXX XXXX. I never lived in Nevada and I never went to school there. I got my car broken into around XXXX of this year 2024. I accidentally left my laptop bag in my car which contained my Social Security, Birth Certificate, Passport, and laptop. I filed a police report. I do believe someone stole my identity and this is indeed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Credit Bureau Representative, I am writing you today to formally notify you that I am a victim of identity theft. After a detailed review of my credit report, I discovered several fraudulent accounts opened in my name. I am requesting your assistance in investigating and resolving these issues. 
Specifically, I would like to address the following accounts : 1. 
**Account Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Account Balance** : {$1500.00} I did not open these accounts, and I am not responsible for any charges associated with them. II have in fact contacted the FTC as well as the CFPB.I request that you take immediate action to investigate these matters and remove these accounts from my credit report. 
Additionally, please provide me with documentation related to each ac

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-19 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: SC

Complaint narrative:
I am writing as a victim of a data breach and identity theft. Fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. 
Unauthorized Accounts XXXX. XX/XX/XXXX- XXXX - XX/XX/XXXX - {$650.00} XXXX. XX/XX/XXXX- XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XX/XX/XXXX- XXXX - XX/XX/XXXX - {$650.00} Supporting Documentation To assist with your investigation, I have enclosed : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of the police report and/or FTC Identity Theft Report filed regarding this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing as a victim of a data breach and identity theft. Fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit report. 
Unauthorized Accounts XXXX. XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} Supporting Documentation To assist with your investigation, I have enclosed : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of the police report and/or FTC Identity Theft Report filed regarding this incident.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Immediate Action Required : Removal of Fraudulent Account Due to Identity Theft Details of the Problem : I am filing this complaint regarding an account that has been fraudulently added to my credit report as a result of identity theft. I am requesting the immediate removal of this account as it is not mine, and I had no knowledge or involvement in opening or using it. 

Details of the Fraudulent Account : XXXX XXXX I filed a report with the Federal Trade Commission ( FTC ) regarding identity theft, and my FTC Identity Theft Report is attached to this complaint. 
I have submitted a police report ( attached ), documenting the identity theft and fraud. 
I sent a certified letter to the creditor informing them of the fraudulent account and included proof of identity theft. 
I disputed this account with all major credit bureaus ( XXXX, XXXX, and XXXX ) but have not yet seen action. 
Laws Supporting My Complaint : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I am entitled to the prompt removal of fraudulent accounts from my credit report after providing proof of identity theft. I have provided sufficient documentation to prove the account is fraudulent. 

Relief Requested : I request the immediate removal of the fraudulent account from my credit report by [ insert date XXXX business days from submission ] for the following reasons : The account was created as a result of identity theft and is not mine. 
The continued reporting of this account is causing severe harm to my credit score and financial well-being.

Immediate removal of the fraudulent account from my credit report. 
Written confirmation that the account has been deleted. 
Failure to resolve this matter promptly may leave me no choice but to pursue legal action or file additional complaints with regulatory authorities. 

Thank you for your immediate attention to this matter. 

XXXX Reference Number XXXX Contact Information : Full Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation