vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Fair Credit Reporting Act gives consumers the right to review their credit report and dispute incorrect informationand even to sue credit bureaus if they refuse to remove a mistake. Once a dispute has been filed, by law, credit bureaus must respond with a decision within 30 days. Heres how to handle the process. But they keep validating a false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NV

Complaint narrative:
re : 15 USC 1681 FCRA Several inaccuracies exist on my EQUIFAX REPORT on every account on these credit reports ( i.e. balance, c/o status, payment history, etc. ). At least one error, if not several errors exist with every account. THESE ERRORS ARE IMPACTING MY CREDITWORTHINESS and ability to provide for my family. Per FCRA findings, it appears that credit bureaus blatantly take advantage of consumers and assume that we, the consumers, do not know our rights and can not go up against them with a challenge. So Far, after numerous attempts to bring errors in credit reporting to the attention of the major credit bureaus, they continue to refuse to correct the erroneous information on my reports. I request that they Please remove items as required by FCRA laws as they have failed to attempt to correct the errors after my numerous attempts to bring the inaccuracy to their attention. I have allowed well over 30 days. 

As the credit bureaus are THE EXPERTS in this field and have aggressively chosen to report erroneous information, they should be able to easily identify the errors on these accounts as it pertains to c/o status, balances, payment history. 

As a FINAL GOOD FAITH EFFORT, I am again allowing a minimal, but reasonable amount of time or enter arbitration with the credit bureaus for statutory damages to include : DEFAMATION and VIOLATION OF FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-17 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: Marlette Funding, LLC
State: OH

Complaint narrative:
On XX/XX/year> Best Egg accessed my credit without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I did not initiate any transaction or relationship with Best Egg that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 

This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. Best Egg willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial hard occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : - 15 U.S.C. 1681b ( FCRA ) : Limits access to consumer 's credit report to specific permissible purposes- 15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Requested Remedy : I request the CFPB 's assistance in ensuring that Best Egg 1. Ceases any unauthorized access to my credit report in the future.

2. Pays statutory damages of {$1000.00} for violating my rights under the Fair Credit Reporting Act ( FCRA ) XXXX. Takes steps to prevent future unauthorized credit inquiries from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/year>, I learned of a collection appearing on my credit report. I immediately called the collection agency ( Radius Global Solutions ) who referenced an account number from the original creditor ( XXXX XXXX XXXX ). I told them I was always in good standing with XXXX XXXX XXXX ( over XXXX years ) and this could not possibly be accurate as I left the account in good standing last year. I then reached out to XXXX XXXX XXXX customer service, they could not divulge any information related to the account number given to me by the debt collector. They cited they needed a PIN # for the account to access the information. I told them I don't have a PIN because this is not an account that belongs to me. I asked if they could verify another way and they told me go visit a store. So I visited the XXXX XXXX XXXX store in XXXX XXXX and they told me the same thing, they needed a PIN. Ironically, they were able to pull up an account for me that was left in good standing last year, but this other account was not able to be accessed for verification. I have since filed a dispute with XXXX XXXX XXXX fraud department. I have not heard from them. They have not been helpful in providing any evidence of this account number being associated with me. I have always had an excellent credit profile. I have never missed a payment in my 45 years on earth and my XXXX XXXX were in the XXXXXXXX XXXX. This collection has unfairly dropped my score to low XXXXXXXX XXXX. I need assistance in proving this account does not belong to me.

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 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I experienced ID theft noticed in XX/XX/year> of credit card XXXX XXXX XXXX opened fraudulently under my name. This was reported to credit bureaus and my score dropped from XXXX to XXXX! I followed all appropriate channels to notify credit bureau 's and XXXX XXXX credit card. Please contact me in writing/letter in detail of steps I need to accomplish in order for this to be removed from the credit bureau 's . Since this incident, I have been denied increased credit with my other cards, closed accounts from MACY 's credit card due to increased debt/ratio. Thank you for your time and urgent help needed in this matter. Gratefully, 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 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. 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 non-monetary relief
Consumer complaint received 2024-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. 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 2024-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez has failed to hold up any of their timelines on issuing payment for my property at XXXX XXXX XXXX XXXX Check was mailed and received via USPS on XXXX XXXX, 2024 and the lender has XXXX to XXXX business days to disperse the first round of funds to the owner on file. The check was deposited XXXX business days later on XX/XX/XXXX XXXX XXXX XXXX was Monday ). I've been waiting for NewRez to get back to me or to issue any sort of communication. 

I've called NewRez twice resulting in a XXXX minute hold to just get through the automated system and then waiting on hold for an average of XXXX minutes. Then working with a representative is variable ultimately the process takes about XXXX hrs. 

NewRez has failed to issue MY money back to my to help pay for the rebuild in a timely manner. 

NewRez also is charging fees the lender NEVER signed paperwork agreeing to pay for inspection of the residence at XXXX XXXX XXXX XXXX. In discussions with other real estate professionals, NewRez should XXXX XXXX be resposible for covering the cost on ANY repairs or improvements that NewRez solely deems necessary. The insurance company has already signed off and approved of the completed and finalized claim. NewRez, my bank is now the sole reason for the delay and additional cost placed on me, the consumer. 

This is unfair, unjust, and costly in both time and money to me, whos already endured so much with a fire and dealing with the insurance claim in the first place. Something needs to be done and I should be compensated for having to deal with this unfortunate situation, which I warned both the CFPB and NewRez would most likely occur. Especially given everything else NewRez has put me through this year alone.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit freeze on my credit report at Equifax. I should be able to manage my credit freeze online when I login to my account at my.Equifax. I can log into my account however, their website states We are temporarily unable to retrieve the status of your security freeze. Please try again later. For monthes I have not been able to manage my credit freeze online. I have phoned Equifax on XX/XX/year> and again on XX/XX/year>, both times the customer service representative said they would expedite the issue to the technology support group. They also said that they would contact me back but they never did contact me. 
In most cases, if you make the request online or by phone, the credit bureaus can lift a freeze in near real time. The Federal Trade Commission allows the bureaus up to one hour to complete an online or phone request, while requests by mail must be granted within three days after receipt. I have not been able to manage or temporarily left my credit freeze at Equifax online. For several months Equifax says We are temporarily unable to retrieve the status of your security freeze. Please try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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