vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, my information was leaked during the Equifax XXXX break in 2017 and again in another breach with XXXXXXXX XXXX. There have been multiple fraudulent accounts opened. I have disputed these accounts multiple times with the CRAs and filed reports with the FTC for identity theft and Filed a claim with Equifax for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, my information was leaked during the XXXX XXXX break in 2017 and again in another breach with XXXX XXXX. There have been multiple fraudulent accounts opened. I have disputed these accounts multiple times with the CRAs and filed reports with the FTC for identity theft and Filed a claim with XXXX for damages.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from XXXX and a charge off by Bloomingdales all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have requested validation from Experian of a few accounts on my report that I believe are reporting inaccurately. They have ignored all my requests and have not responded since XX/XX/2023.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am a victim of credit fraud on three accounts that I did not open. Avant lending, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Fraudulent address and two files for debt collection were reported on my XXXX credit report. Investigation has been filed with XXXX as of XX/XX/XXXX. 

Fraudulent address as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Fraudulent Collection 1 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX  XXXX XXXX, reported amount owed {$11000.00}, account # XXXX opened on XX/XX/XXXX. 

Fraudulent Collection 2 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX XXXX XXXX, reported amount owed {$6500.00}, account # XXXX. 

National credit system contact info : XXXX XXXX XXXX XXXX  XXXX, GA XXXX. Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CIS DIRECT LENDING
State: VA

Complaint narrative:
CIS Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Demand for Explanation Regarding Mortgage Payment Transfer and Unsettled Amortization Schedule Dispute Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and demand an immediate and comprehensive explanation regarding the recent transfer of my mortgage payment to XXXX, effective XX/XX/2023. Additionally, I am troubled by the fact that the dispute on my amortization schedule remains unresolved. As far as I am aware, there has been no authorization or agreement from my end for such a transfer. 
I want to highlight that throughout the duration of my mortgage, I have diligently made all payments on time and have never defaulted on any obligations. Therefore, it comes as a surprise and raises suspicion that my mortgage payment has been transferred without my knowledge or consent. The lack of transparency in this matter is deeply unsettling, and I expect a prompt response to address this issue. 
Furthermore, I have been actively pursuing the resolution of an ongoing dispute regarding the amortization schedule associated with my mortgage. This dispute has remained unsettled, and it is alarming that the transfer of my mortgage payment has taken place while this matter remains unresolved. I firmly believe that it is in the best interest of both parties involved to resolve this dispute promptly and fairly. 
Given the circumstances, I kindly request the following from CIS Financial Services : Provide a detailed explanation outlining the reasons for the transfer of my mortgage payment without my authorization. 
Clarify the specific terms and conditions under which my mortgage payment was transferred to XXXX, including any relevant contractual or legal basis. 
Address the ongoing dispute regarding the amortization schedule associated with my mortgage and provide a clear plan of action to resolve this matter. 
Provide any documentation or evidence supporting the legitimacy and appropriateness of the mortgage payment transfer. 
I trust that XXXX XXXX will treat this matter with the utmost urgency and seriousness it deserves. Failing to provide a satisfactory explanation within a reasonable timeframe will leave me with no choice but to escalate this issue and seek legal counsel to protect my rights as a homeowner. 
Please note that I expect all future correspondence to be in writing. I would appreciate a written response addressing the concerns raised in this letter within XXXX business days from the date of receipt. 
Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach and the black market, I need these to be removed.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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 opened a loan with XXXX XXXX XXXX on XX/XX/XXXX. This was reporting to my credit bueuas up untill around XXXX of XXXX and then they suddenly removed it from all of my credit burea reports. I paid the loan off early in XXXX of XXXX as my maturity date wasnt untill XXXX of XXXX. When I went to get another vehicle loan I was advised that it was not showing on my report. I went back and did some research and saw the last time it was report was XXXX of XXXX. I contacted XXXX XXXX XXXX today and they said they would not report it. That they removed alot of loans from the bueas due to covid but i was paying on time and had not requested them to do this. They refused to report my payment history for the last XXXX  years back on my credit report. They said they could send me a paid in full letter but this does not help my credit score and history. They have been negativly impacting me for over 2 years now. The fact that they did this with some clients as they claim not all also makes me feel like they have discriminated on myself as a XXXX man and maybe others. I did not think it was legal for them to do this to some clients and not all. I want this reported on my credit report imideiate so that my score and my overall history refects the payments and efferts i have made.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing in response to your statement regarding my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, which I filed on XX/XX/2023. In your response, you stated that you would not honor my invoice because the item in question did not appear on my consumer report. However, this statement is inaccurate and misleading.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
In XXXX of XXXX I submitted a payment which took their system several days to process, when it finally withdrew from my account it was over charged and the payment sent back. I immediately paid the bill that month. Now XX/XX/XXXX just shy of one full year I submitted payment for XXXX on XXXX XXXX with sufficient funds to pay. Four days later payment processed and I was unfortunately XXXX short and the payment returned. Once I was informed I moved money over and immediately paid it off again. Now my account has been closed even though I have faithfully paid every month and rectified every misstep. I am actively rebuilding my Credit and the company closing my account has a negative impact. I'm honestly appalled that your company is so un flexible and not willing to work with someone who has never missed a payment and has fixed all two issues I've had in a year. I am human and sometimes make a simple mistake which is immediately fixed, why will your company not show me the same courtesy I have shown it by correcting my mistakes. Why actively penalize someone for something so small? I understand I am under contract and what your legal paperwork says, I'm asking you to be human and look at the reality of the situation and not to hide behind a contract with someone who faithfully pays their bills.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It may concern, I am writing this letter to request the removal of certain accounts from my credit report. After reviewing my credit report, I have discovered that some of the the accounts listed are not mine. I am writing to request that these accounts be removed from my credit report as soon as possible. 

I have listed the accounts that are not mine. The accounts in question is, : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Never opened any accounts and have never had any dealings with the companies that reported them to the credit reporting agencies. 
i understand that it is essential to maintain an accurate credit report, and I am willing to provide any further information or documentation that may be required to remove these accounts from my credit report. I would appreciate it if you could investigate this matter and take the necessary steps to remove these accounts from my credit report promptly. 

Thank You for your time and assistance in this matter. 

Sincerely, 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been dealing with ID theft issues, etc. since the XXXX at which point I was a preschooler apparently with a mortgage. I had to end up freezing my credit reports in the early XXXX and have had numerous fraudulent accounts opened in my name since unfreezing in XXXX. I was unfortunately a victim of several major data breaches, including the XXXX data breach of XXXX. Now, Resurgent Capital Services L.P. c/o LVNV Funding LLC is negatively reporting a debt of {$1800.00} which it alleges that I owe although I have previously contacted these people and the FTC about ID theft regarding 2 other fraudulent accounts that they were attempting to collect on which have since been closed after research. Now this current account has emerged from out of nowhere. I have no knowledge of this account nor the other 2 they ended up closing after research and they have only provided a digitally signed document after 60 days of correspondence. I am not even sure where this money went but I have had bank accounts, credit cards, and business accounts associated to me fraudulently for a number of decades now. They have not provided any indicia of proof that the digital signature sent is in fact mine nor any proof that I received the alleged money owed. I have asked to provide information regarding their validation of this alleged debt which they have failed to do as well. Further, they have not provided any information or proof that they own this debt ( i.e. the purchase and sale contract/agreement regarding the purchase of this debt from XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As it appears on my credit report there are three accounts that have not been proven to be owed by me. These accounts are shown as : 1 ) - 01 Citibank on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - 08 Citibank NA reported on XX/XX/2022 by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USC 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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