vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-17 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -SECOND NOTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX is in XXXX of multiple laws set forth by Congress in regards to the following account XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX is willfully reporting chraged off debt on my consumer report when in reality it is considered income by the IRS Topic 431. This reporting in nature is INACCURATE. These accounts are considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate!. Your inaccurate reporting has caused me severe damages in the form of CHARACTER DEFAMATION and per ELEVENTH CIRCUIT COURT RULING " XXXX XXXX et al. v. XXXX XXXX XXXX XXXX '' I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. You are in violation under 15 USC 1681c ( 4 ) ( 5 ), 15 USC 1681e ( b ), 15 USC 1681a2 ( ii ) 15 USC 1681b, and I have the evidence of your willful violations which is my initial notice to you via the CFPB and my current consumer credit report as of today.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a dispute XXXX with all XXXX credit bureaus about the XXXX on my report, they replied and stated it was verified and would remain on my credit report. I also sent a letter to the XXXX  court asking do they verify, or report items and they responded they do not. 

Please see atatched.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
la XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX favor XXXX XXXX Please I need you to modify my account since there are unpaid payments and I have not been in the payment on the account to check my credit there are differences Please I need them to be modified since I have had my payments up to date in my XXXX XXXX XXXX. Thank you and in the credit XXXX there are different payments and which are not bank of america

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 2024-05-17 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: MI

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I requests CORRECTION OF THE INCORRECT NAME ON CREDIT FILE, AND THEY HAVE YET TO UPDATE MY FILE WITH THE ACCURACY OF MY CORRECT NAME AMONGST MY ENTIRE FILE, SOME HOW THE REPORTS CAN NOT BE GENERated on free annual credit report or through any other reporting agency because my name does not match, as of XX/XX/year>. 
( CFPB complaint 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 2024-05-17 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC
State: KS

Complaint narrative:
Phone opperator from Spire Recovery Solutions callee this morning while I was out and called the person that answered a lier. Instead of calling them back I reviewed the account online to avoid talking with that person again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a notification on XX/XX/2024 through my XXXX credit report that a charge card under the account name The Home Depot/Citi Bank had been opened under my name on XX/XX/2024 and had a balance of {$1300.00}. I called the bank directly to report it as fraud since I did not open this card. 

Also, I received another notification of a hard inquiry on my credit report alerting me that a credit card application was submitted under my name for a XXXX XXXX XXXXXXXX XXXX XXXX through XXXXXXXX XXXX I called the bank directly to report it as fraud as I had never applied for a credit card with XXXX XXXX XXXX. The bank confirmed that they have alerted the credit bureau of the fraudulent activity.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX, they have a XXXX company called XXXX XXXX XXXX who state sending you bills. I have about XXXX coming in. My ex-employer through Discrimination forced me out of my job. My father and XXXX was giving me money to pay my bills. So I can go to the bank and show the checks where I was paying what I could to them. I was paying {$20.00}, {$5.00}, {$3.00}, what I could. They decided to take the time of service off the bills and put current dates on it and stop sending my bills and immediately sent them to collections while I was paying on them. They are XXXX dates from as for back as XXXX and I have asked for date of service, they will not provide it. The statue of XXXX XXXX XXXX is XXXX years and these are well over XXXX years but by fraud they have put a current date on. I can not afford a lawyer because I can show I was paying what I could didnt miss a payment and they sent it to collections. 
I have contacted the XXXX XXXX XXXX  about this XXXX XXXX XXXX and the illegal billing needed to be investigated and they wont do anything. 
The other example of fraud is LVN, I have contacted the Credit bureau that this is a XXXX XXXX XXXX zombie, I havent had an account with XXXX in XXXX  years that they took the dates off all the documents that they can go to XXXX and see date of service I havent had this account since XXXX but they put current dates on it trying to collect a XXXX debt and its XXXX XXXX XXXX. XXXX of limitations is XXXX  years here in XXXX I want to file a lawsuit as I am a XXXX woman, who is being harassed because I have notified these creditors and the Credit Bureaus about their fraud and scams and I will have to get a lawyer because they are still harassing me. Ive told them to cease and desist. The XXXX doesnt cater to frivolous lawsuits over XXXX  debt that is over XXXX XXXX XXXX and the statue of limitation in XXXX XXXX 4 years. I will go to court with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK

Complaint narrative:
XXXXContacted Community Loan Services LLC., for refinancing of mortgage sold to them by XXXX, while on a forbearance program due to XXXX and being furloughed from my job. 
XXXXFiled my first complaint on CCLS due to the difficulty I was having getting them to reply to me concerning {$6800.00} that was being added to the mortgage. 
XXXXFiled a second complaint because I was working with THA and OHFA during the modification and still having trouble with CCLS replying to my attempts and theirs to help with my loan. They closed the modification and immediately sold the loan to XXXX XXXX which I still have today and is current. 
XXXX-I was contacted by XXXX and they were still attempting to work my case number XXXX. Because the loan was modified they aren't able to help with the past due but were trying to help pay the {$6800.00} that was added to my loan as delinquent interest and escrow. 
XXXXI was contacted by XXXX saying that the FHA case number was incorrect and XXXX XXXX couldn't accept payment because CCLS either didn't file the paperwork or filed incorrectly. FHA case should be XXXX. When I tried to contact them the answering machine hangs up when I try putting in an account number or SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -SECOND NOTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- EXPERIAN is in violation of multiple laws set forth by Congress in regards to the following account XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( EXPERIAN ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. EXPERIAN is willfully reporting chraged off debt on my consumer report when in reality it is considered income by the IRS Topic 431. This reporting in nature is INACCURATE. These accounts are considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate!. Your inaccurate reporting has caused me severe damages in the form of CHARACTER DEFAMATION and per ELEVENTH CIRCUIT COURT RULING " XXXX XXXX et al. v. Experian Information Solutions Inc '' I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. You are in violation under 15 USC 1681c ( 4 ) ( 5 ), 15 USC 1681e ( b ), 15 USC 1681a2 ( ii ) 15 USC 1681b, and I have the evidence of your willful violations which is my initial notice to you via the CFPB and my current consumer credit report as of today.

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