vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. 

If you claim this account are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Our loan was acquired by XXXX as of XX/XX/2022. Prior to being acquired by XXXX  we were in the process of going through Loan Modification from COVID relief. The loan modification was almost complete when our loan was sold to XXXX. When XXXX acquired the loan we were advised that the modification process was completed, however it appears the process has started all over agin. Since XX/XX/2022 our loan has been reporting as more than 300 days late. This was corrected in XXXX when XXXX was advised once again of the inaccurate reporting. At that point payments were being made on the account however we were advised that the payments could not be applied towards the loan. We were told by several representatives that we did not need to make payments as the loan modification process was still ongoing and we were still in forbearance. All documentation was sent to XXXX  as requested to complete the modification process, and were confirmed as received. We have been advised that the credit was in fact reporting incorrectly but that it would be updated. This was as recently as XX/XX/XXXX. AS of XX/XX/XXXX the report is now reflecting that we are {$17000.00} past due. This has caused a significant drop in our credit scores with all three major credit bureaus. According to XXXX  mortgage portal we are 330 days past due. They are reporting to the credit bureaus that we are 180 plus days past due. Both of which are discrepancies. According to their site as well our modification is complete. We were told that the VA was giving approximately {$16000.00} to bring the loan current. We have tried to remedy this with multiple different reps with XXXX  on many different occasions. We have been met with nothing more than rude, condescending agents with attitudes. They are not willing to listen or assist with the issue. We have been told different things by different reps but no one has been actually willing to assist in getting the situation remedied with the exception of XXXX XXXX who we have tried to speak with again but the reps are unwilling to include her in these complaints. Due to the experience that we have had with them, we are shopping for a new mortgage company. However the negative impacts to our credit from the inaccurate reporting is making this far more complicated.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, 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 sent a letter on XX/XX/XXXX to remove the following personal information, address and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again. Here are the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Experian of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Experian must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Experian 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Experian would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Experian stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Experian answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Experians method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Experian verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Experian verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Experians grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research botXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 DP OF EDUC XXXX Balance : {$17000.00} DP OF EDUC XXXX Balance : {$9400.00} XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX AV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$4200.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
This is the third and final request. Please first answer yes or no to each question and then if you answer yes then send me a copy. 

What documents did you receive from XXXX when XXXX assigned you to be the servicer of the loan effective XX/XX/2012? Specifically I am requesting these two documnents. 

1. Copy of the certification of the XXXX XXXX XXXX which contains original signatures of the certifying entity, the original seal and the notary signatures. 

2. Copy of any Notice of Intent to Accelerate and attachments to the notice in your possession if any sent by XXXX prior to XX/XX/2012? 

Time is of the essence so please expedite the completion of this request. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: MA

Complaint narrative:
Portfolio Recovery continues to dismiss my disputes about incorrect information on my credit report which causes me to have a low credit score and difficult obtaining housing, credit and employment. I have filed a dispute numerous times about accounts that they claim are accurate but were not opened by my and are not my debt. Other collections agencies immediately removed my debts when I disputed them as they were also not mine. I was a victim of identity theft and the accounts they are trying to collect on were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Yes I got a claim on the roof for XXXX they send a check but it was in my stepmom name she died 1st the house don't even have her name on it so I couldn't cash it they sent another check with her name it so I deposited it in my bank account got home the bank called and told me they couldn't cash it well the insurance done a investigation and said the mortgage got the chack and when I talked to the mortgage people they said they ain't got it and it has been since XXXX and still my roof ain't fixed and I got mold inside on cieling what do I do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
On XX/XX/2022 I, XXXX , a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Equifax of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Equifax must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Equifax 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Equifax would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Equifax stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Equifax answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Equifaxs method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Equifax verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Equifax verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Equifaxs grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
IN accordance with the fair credit Reporting act, Account # XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( a ) ( 5 ) Section States : NO CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven year

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If EXPERIAN does not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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