vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: AR

Complaint narrative:
In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$560.00}. In accordance with the Fair Credit Reporting Act, I request that you reinvestigate and update or remove these disputed items. Please provide me with the names and addresses of the individuals you contacted. You have 15 days from the receipt of this letter to complete these actions, as stated in 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this time will be considered non-verification, and the items must be promptly updated or deleted as per Section 1681i ( a ).

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 2023-04-01 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: AR

Complaint narrative:
In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX Balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$560.00}. In accordance with the Fair Credit Reporting Act, I request that you reinvestigate and update or remove these disputed items. Please provide me with the names and addresses of the individuals you contacted. You have 15 days from the receipt of this letter to complete these actions, as stated in 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this time will be considered non-verification, and the items must be promptly updated or deleted as per Section 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXX Balance {$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 2023-04-01 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY 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 2023-04-01 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: AR

Complaint narrative:
I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXXXXXX 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 XXXXXXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

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 2023-04-01 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: OH

Complaint narrative:
I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents EXPERIAN. COMXXXX. This is effecting my livelihood. It is effecting my ability to run my business.

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 2023-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NH

Complaint narrative:
Rushmore Loan Management falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from Rushmore is fraud. My loan was identified in class action lawsuit XXXX versus XXXX. At no point is this so called debt legal as XXXX was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from Rushmore Loan Management for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XXXX XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/2020. 
This is now a criminal charge of fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: VA

Complaint narrative:
The file identification number is XXXX to a dispute that I have filed several times in regards to a dismissed Bankruptcy case that was never file or entered and TransUnion continue to report it inaccurately after the certification has been mailed to them and I have complained several times to CFPB about this matter. The court is inaccurate the Disposition is inaccurate. The case is XXXX IT WAS FILED IN XXXX XXXX XXXX United States Bankruptcy Court XXXX XXXX Division located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have it reporting from XXXX Bankruptcy Court and has the disposition as DISCHARGED when it was dismissed and never entered in the court, I have been disputing for over a year sending in the certified Copy of Document 41 from the courts. And TransUnion has failed to update my credit report I will attach the same document that was sent to TransUnion Certified and they will not correct. 
I also Disputed this with TransUnion third party agency LCI THROUGH EMAIL AND THEY STATED TO ME THAT THE INFORMATION THEY REPORTED WAS INACCURATE AND THEY ALSO SENT THAT INFORMATION BACK TO CFPB IN RESPONSE.

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 2023-04-01 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$82.00} XXXX XX/XX/XXXX XXXX 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 2023-04-01 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$82.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: MI

Complaint narrative:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened my citi bank account XX/XX/2023 while I live in Minnesota the closest branches to me are in Illinois so on a family trip I deposited my close out check from my previous XXXX  XXXX bank which I switched to citi from and my account was blocked and frozen I was told to wait 24-48 hours and give a call back when asked why the account was under review I was told no information could be provided. I proceeded back into the branch that I had processed the deposit to ensure that it was me and they reached out to customer service and was also told that I had to wait 24-48 hours. After the 48 hours was up I called and was told I had to wait another 24-48 hours because nothing was updated. I waited 24 hours and gave a call back I was told that they were unable to verify my phone number which was the exact same phone number on file I asked to speak to a supervisor and was denied I was told they were unable to verify me and was hung up on. I called back verified all of my information to customer service and was again transferred to their security department I provided my phone number which is on my account and again was told I couldnt use my number because it is not in public record which prompted me to check with the credit bureaus and my phone number is in fact on file with all three bureaus. I called back again and was told I had to wait on a letter with a reference code and all of my verification options have been exhausted which they only tried my phone number and told me it was unsuccessful even though I went into the branch and also verified my entire account plus my code word. I am still waiting on the letter which I have not received and all of my funds are in this account I have 2 children and I cant pay my rent or any bills and the bills that were set to auto deduct has bounced back. Citi bank has to be one of the worse banks I have ever encountered

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 2023-04-01 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:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-04-01 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-04-01 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:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XXXX I, XXXX XXXX  Federally protected Consumer and Natural person extended credit to LVNV FUNDING LLC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent LVNV FUNDING LLC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. LVNV FUNDING LLC is now civilly and criminally liable for violating my consumer rights. LVNV FUNDING LLC union has yet to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 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: TX

Complaint narrative:
I didnt recognize XXXX XXXX inquiry in my credit report

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