vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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 have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX  - XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-20 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: Universal Recovery Corporation
State: CA

Complaint narrative:
Well, I wrote letters asking for ( chain of title ) to the debt they are reporting on my credit report 40 days ago and have not gotten the documents giving them the rights to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I do ask my older mortgage company XXXX XXXX to remove my pmi when I hit LTV 78 % they didnt do anything. And now I ask my new mortgage company Newrez they still not remove my pmi even if i have paid almost half of my loan XXXX out of XXXX. And they still charge me for the whole year. According to federal law said the lender is mandatory to remove the loan pmi when reaches LTV 78 %. And they never did 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 2024-11-20 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: KY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-20 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: KY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-20 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: NY

Complaint narrative:
This morning, I was deeply upset and shocked to find inaccurate accounts on my credit report. Ive always checked my credit report carefully, and I couldnt understand how these discrepancies suddenly appeared. I tried refreshing my browser in case it was a technical glitch, but the errors were still there. I am pleading for the documents I provided to be carefully reviewed to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX CARD - XXXX - XX/XX/XXXX - {$830.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Sent out debt validation letter and XXXX letter on XX/XX/year> regarding the following accounts : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The investigation took more than XXXX days. Also, I was not furnish with proof of this debt ( contract agreement, signatures, payment history, balance, etc ).

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 2024-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
From being falsely advertised and finance manager waiting until my credit was run to tell me the price I disclosed and agreed upon mutually, was no longer on the table to multiple problems with a allegedly maintained maintenance vehicle. The problems and inconsistencies from this dealership has been a nightmare! I purchased a vehicle at XXXX XXXX of XXXX of 2024 and was told I will not be able to leave without purchasing warranty. I made it abundantly clear I will cancel warranty after XXXX XXXX because that what I was coerce to do. Within the first XXXX XXXX  the vehicle stopped with me and a series of problems XXXX up such as water dispensers were not working correctly within the same day of getting the vehicle. As the company ; XXXX XXXX confirmed prior to signing contract that vehicle was throughly maintenance and checks were completed. XX/XX/year> I went in person with filled document needed to cancel warranty. I was disclosed by the finance manager the process takes up to XXXXXXXX XXXX via text message. The total amount of warranty is {$2800.00}. Although I knew that was very long for a warranty to processed I waited XXXX XXXX and followed up for an update and was ignored. As per to the conversation had with the warranty company ; theyve confirmed it was not cancelled and information to initiate cancellation was not submitted until XXXX. The total refund was XXXX and finance manager confirmed the service department charged me for discrepancies and malfunctions that was not properly corrected prior to vehicle being in my possession. 

Refund from Dealership to my loan finance company consumer portfolio was not correct and the reasoning is not valid and or correct at all. I need this to be investigated please, this is affecting my credit and this inaccuracy will be reflected on my credit. 

Dealership : XXXX XXXX XXXX  Warranty company : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX fraud department, and filed a police report. They sold the account to a third party knowing this was reported as a fraudulent account. I disputed it as fraudulent to XXXX twice, stating to them and showing documents that the name of the person they are looking for is not me and that I have never had service with XXXX XXXX XXXX. Instead of removing the account they added the name the company gave them to my credit report. I since then have disputed that addition and am seeking help from you because I am not and have never had an account with 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 2024-11-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as a formal dispute concerning the inaccurate and inconsistent reporting of the above accounts. These violations of XXXX XXXX compliance and the Fair Credit Reporting Act ( FCRA ) require immediate correction. Below are the specific errors identified : XXXX - XXXX XXXX. Late Payment Reporting Conflict o The account is marked as Current and Paid, yet it reports " Was 30 Days Late XXXX XXXX, '' which contradicts the paid status. 
XXXX. XXXX XXXX XXXX XXXX XXXX remarks or details regarding payment frequency are provided, making the late payment unverifiable. 
XXXX Credit XXXX and Terms Reporting o Term length is reported as 12 Months, but there is no information about the original credit limit, hindering accurate account evaluation. 
XXXX XXXX - XXXX XXXX. Date of Last Activity Discrepancy o XXXX and TransUnion : XX/XX/year>, XXXX : XX/XX/year>. 
XXXX. Late Payment History Conflict o The account is reported as Current but includes a late payment history : " Was 30 Days Late XXXX Time. '' 3. Balance Reporting o The balance remains at {$190.00}, with no supporting remarks to explain the unpaid status on a Current account.

4. Credit Limit and Utilization o The credit limit is consistently {$500.00}, but utilization exceeds recommended thresholds, with no remarks or context provided.

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 2024-11-20 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-20 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: IL

Complaint narrative:
THE CREDITOR XXXX, HAS DELETED THE MONTHS STARTING XX/XX/XXXX ALL THE WAY THROUGH XX/XX/XXXX MAKING THE FIRST XXXX ENTRY XX/XX/XXXX. WITH THESE MONTHS BEING DELETED THEY HAVE DELETED THE PAYMENT HISTORY BALANCE HISTORY, THE CORRECTION OF THE REPO TO STATUS OF CURRENT. THEY ALSO HAVE DELETED ALL OF MY ONTIME PAYMENTS THAT WHERE MADE DECREASING MY OVERALL CREDIT HISTORY. As seen in the document labeled XXXX which has since been deleted and XXXX which is no longer being reported. ( XXXX deleted this account to conceal the wrongful repo ) BY DELETING THE PREVIOUS HISTORY AND RESTATING THE XXXX ENTRY IN XX/XX/XXXX THE MONTH AFTER THE ILLEGAL REPO THEY ARE GIVING THIS ACCOUNT THE APPRANCE OF BEING REINSTATED AND THEN I DEFAULTED ON THE REINSTATED ACCOUNT. THIS IS INCORRECT AND NEEDS TO BE DELETED. As shown in XXXX THE WAY THIS ACCOUNT STANDS THIS IS NOT MY ACCOUNT. I NEVER HAD AN ACCOUNT WITH XXXX XXXX. I NEVER HAD A LOAN WITH 98 MONTHS. I NEVER HAD A LOAN REINSTATED. THIS LOAN IS BE REPORTED AS THE HIGH BALANCE WAS {$11000.00} AND I STILL HAVE 100 % LEFT TO PAY ON THIS LOAN. THE FIRST XXXX ENTRY IS XX/XX/XXXX. THERE IS NO REASON TO ADD " CHARGE OFF '' STATUS STARTING IN XX/XX/XXXX. THIS IS INCORRECT AND NOT MY ACCOUNT. 

I have included the idenitytheftreport from the FTC along with the police report filed due to fradulent accounts. I did not open the XXXX XXXX nor give XXXX permission to open an fradulent account in my name!!! 
DELETE THIS ACCOUNT AT ONCE!!!! 

Document contractbi-weeklypayments shows the terms to the now deleted account CNAC-il.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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 disagree with the account listed below which still appears on my credit report. I would like this item immediately removed. I reported that this was not my account due to someone stealing my identity. It is my understanding that according to letter attached this would be deleted from my credit report with all XXXX bureaus. This has yet to happen even after providing me with confirmation. 


The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX XXXX ( account number XXXX ). Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. XXXX, TRANSUNION and XXXX have failed to investigate this account properly after I REPEATEDLY asked/disputed information to have the account updated.

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 2024-11-20 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 disagree with the account listed below which still appears on my credit report. I would like this item immediately removed. I reported that this was not my account due to someone stealing my identity. It is my understanding that according to letter attached this would be deleted from my credit report with all XXXX bureaus. This has yet to happen even after providing me with confirmation. 


The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ( account number XXXX ). Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. XXXX, XXXX and EQUIFAX have failed to investigate this account properly after I REPEATEDLY asked/disputed information to have the account updated.

Company response to consumer: Closed with explanation