vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history.

The incorrect names on my credit report are causing a negative impact on m

y credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help corre
ct errors and ensure the accuracy of their 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
Consumer complaint received 2024-03-18 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 am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history.

The incorrect names on my credit report are causing a negative impact on

my credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help corr
ect errors and ensure the accuracy of their 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
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE {$4400.00} XXXX XXXX ACCOUNT XXXX BALANCE {$590.00} XXXX XXXX ACCOUNT XXXX BALANCE {$1900.00} XXXX XXXX  ACCOUNT XXXX BALANCE {$5400.00} XXXX XXXX XXXX XXXX BALANCE {$270.00} ABOVE REFERENCE ARE ACCOUNTS THAT HAVE BEEN PREVIOUSLY DISPUTED WITH XXXX CREDIT REPORTING SERVICES, I HAVE A FTC REPORT ON FILE FOR IDENTITY THEFT, I ALSO SUBMITTED A POLICE REPORT IN REGARDS TO THESE FRADULENT ACCOUNTS THAT THEY DENIED ADDING TO MY DISPUTE AND I AM IN CURRENT LITIGATION THREW A LAW FIEM CALLED XXXX XXXXXXXX XXXX IN NEW YORK SUING FOR A SETTLEMENT FROM XXXX OF THERE RECENT DATA BREACH UNDER THE FAIR CREDIT ACT AND CONSUMER LAW THE CREDIT BUREAU HASNT HONORED MY RIGHTS AS A CITIZEN AND HAS VIOLATED MY NATURAL RIGHTS. I DEMAND THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CL Holdings LLC
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : Jefferson Capital system Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by Citibank on XXXX of possible wire fraud from our company account XXXX XXXX on XXXX. I DID NOT make any wire transfers on that date. Nor did my wife XXXX XXXX, who is also on the account. The two amounts were {$4400.00} and {$4300.00}. I was in XXXX on XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, CA. My wife XXXX XXXX was there at the XXXX but for a brief time to get fuel for the vehicle and lunch. 
XXXX XXXX went into our local branch that we have been with for years to sign an affidavit of unauthorized transfer on XXXX. I could not travel to sign the affidavit for health reasons. 
Citibank has denied my claim of fraud twice. I will continue to pursue all avenues to reclaim the money. I am still not working due to XXXX and that money would have taken care of us will I heal. I have sent in a letter to prove my whereabouts on that day and will add another here. Citibank has not given us any proof that WE made the transfers. I am assuming because there isn't a way they can completely prove it was one of us. We do not know the recipient of the wire transfer nor have we ever done business with them.

We have stopped using an email that is filed with the bank just in case of any other fraud. But to prove ourselves it was XXXX. Our account is now frozen with Citibank but want to be safe. Two valid emails are XXXX or XXXX. 
I can't understand why we are not being protected and have our money refunded. ESPECIALLY when Citibank contacted US of suspected fraud, they noticed before we even knew! This has come at an extremely bad time for us to have this happen and more so knowing that the bank we have used for years is NOT protecting us!!!!!

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 2024-03-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, transfered my loan services to Mr. Cooper/Rushmore Servicing , on XX/XX/23. During the transfer process my mortgage payment on XX/XX/23 of {$1100.00} was taken by XXXX XXXX XXXX from my checking account then wire transferd to Mr. Cooper/Rushmore that XXXX mortgage payment. As of today, Mr. Cooper/Rushmore has not reconized that payment. I have been sending proof since XXXX until now. Bank records, Wire transfer records from XXXX XXXX XXXX, countless calls with no resolution. I feel Mr. Cooper/Rushmore is at fault for taking this long to resolve this with proof I have provided. My credit is being affected. Mr.Cooper/Rushmore is charging me late fees when this not my fault. 

Please contact these parties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rushmore Servicing XXXX Rushmore Supervisor XXXX XXXX XXXX Email contact : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested that the information be investigated for the inaccuracy and to provide the company that allegedly verified this information. XX/XX/XXXX was the date of the last dispute letter sent out to Equifax, where they failed to provide any of the requested information. Instead they provided an updated credit report that the information was verified. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by Equifax which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. Equifax claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcies on a file that they presently have associated with me. Equifax claimed that this bankruptcy was verified on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted Equifax where I was told that they didn't have to conduct another investigation because one had recently been conducted. None of what I asked was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against DEBT RECOVERY SOLUTIONS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
DEBT RECOVERY SOLUTIONS, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that DEBT RECOVERY SOLUTIONS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against DEBT RECOVERY SOLUTIONS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold DEBT RECOVERY SOLUTIONS accountable for their unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NY

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CA

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 : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXccount Number : XXXX, and so on.

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 2024-03-18 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: CA

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 : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.

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