vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: SC

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their failure to conduct an investigation into inaccurate items on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to TransUnion, requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address, TransUnion has neglected to conduct the required investigation. 

In an attempt to rectify this matter, I sent a second dispute letter on XX/XX/XXXX, via XXXX mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ), once again requesting an investigation into the disputed items. Despite the tracking information confirming delivery, I have not received any response from TransUnion. 

The only communication I received from TransUnion was a letter dated XX/XX/XXXX, stating that they received a request containing my information but questioned its authenticity : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I want to emphasize that both dispute letters were sent directly from me and included all necessary documentation to verify my identity and address. 

It is evident that TransUnion is in violation of the FCRA, which mandates that credit bureaus conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. Despite multiple attempts on my part to initiate this reinvestigation, TransUnion has failed to fulfill its legal obligations.

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 2024-04-24 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: TN

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-04-24 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: TN

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX  DATA XX/XX/XXXXXXXX CRE XX/XX/XXXX XXXX CRE XX/XX/XXXXXX/XX/XXXXXXXX DATAXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATA XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXXS CREDIT XX/XX/XXXX XXXX  CREDIT XX/XX/XXXXXXXX  XXXX XX/XX/XXXX XXXX  XXXX CRED XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-24 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXXalance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed XXXX {$XXXX} XXXX XXXX Balance Owed : 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 2024-04-24 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: FL

Complaint narrative:
i am a victim of identity theft and submitted a disputed letter XX/XX/XXXX. Unfortunately, the actions taken thus far have not yielded the results mandated by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 
As per my previous communication, I am a victim of identity theft, and there are several accounts listed on my credit report that I did not authorize or open. These fraudulent entries are significantly affecting my credit score and my ability to obtain credit.

I have attached a copy of the police report as further evidence of the crime committed against me. Additionally, I have included a detailed list of the fraudulent accounts for your review and action. 
I am requesting the immediate removal of these unauthorized accounts from my credit report : U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL ( Original Creditor : DIRECT LOANS ) ( EQ ) XXXX XXXX US DEPARTMENT OF EDU XXXX Original Creditor : XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX US DEPARTMENT OF EDU ( XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF XXXX ( Original XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX  ( Original Creditor : XXXX XXXX  ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX /US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XXXX / US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXXUS DEPT ED XXXX XX/XX/XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX Under the FCRA, I am entitled to have these inaccuracies corrected promptly. The continued presence of these fraudulent accounts is a direct violation of my consumer rights.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX - XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/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 2024-04-24 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: IL

Complaint narrative:
Equifax, XXXX and XXXX continue to report negative information on my credit files. The inaccurate and incorrect information being reported by Equifax, XXXX and XXXX is a result of the Equifax Data Breach from 2017. Some unknown person ( s ) has stolen my identity several years ago and this has affected my credit for several years. I have continuously disputed and have tried to get the three aforementioned credit reporting companies to remove/delete this inaccurate and incorrect information from my three credit files. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and I want them Reinvestigated and removed. This negative inaccurate and incorrect information is affecting my ability to obtain credit, employment and apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
I am writing to express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it 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 2024-04-24 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several inquiries on my credit report without my knowledge. 

In section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Codes & 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several inquiries on my credit report without my knowledge. 

In section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Codes & 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is the second time XXXX XXXX relief denied my Mortgage relief request, I applied for Mortgage relief from XXXX XXXX relief two times and every time they take 30 days of time to process the relief, and I was trying to work with Newrez Mortgage. 

Even I received a letter from Newrez Mortgage last month that they will let the XXXX XXXX relief know that my balance is XXXX ( Please see the letter attached ) and I could pay them the rest of the balance on the Mortgage later, but when XXXX XXXX relief Program contacted them, Newrez told them that I owe " {$18000.00} '' to them.

I am very dissapointed with Newrez regarding this. Because of Newrez careless, I was denied the benefit from XXXX XXXX  relief two times.

Numerous phone calls and emails were sent to Newrez regarding this, everything went above their head. They dont care about their clients at all.

I don't have full money to pay for the Mortgage and Newrez is taking it as a joke, endless number of phone calls, speaking with Supervisors, emails were sent to them, all the effort went to thin air. This is completely nonsense and nothing else. 

XXXX XXXX  relief is also short on funds now, so it was easier to get funding from them in the beginning but now it will be harder. 

I have sent this information to all news agencies and Human rights department against Newrez LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation