vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, TX XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Creditor : XXXX Account # XXXX Creditor : XXXX XXXX Account # XXXX Creditor : XXXX XXXXXXXX Account # XXXX I keep immaculate records of payment history across all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: TN

Complaint narrative:
I have sent your company numerous of disputes. You are not abiding by the US Federal Law with FCRA. I am trying to dispute the ACCURACY of the account. I am not trying to validate these accounts I need accuracy on my accounts. After your investigation, I have seen you violate the law again. The account " DIVERSIFIED ADJUSTMENT ( Original Creditor : XXXX  ) '' is INACCURATE & INCOMPLETE. They sent XXXX Balance is {$0.00} and XXXX Balance is {$1400.00} for a Collection. Proof has been provided. They sent XXXX XXXX XXXX is {$0.00} and XXXX XXXX XXXX is {$1400.00} for a Collection. Proof has been provided. Overall, this account should be deleted after your investigations are not accurate. They want money for inaccurate account. This shows sign of fraud to lenders when they view my credit report. In addition, I viewed the aacount of " XXXX '' which is reporting longer than 7 years. According to FCRA this account should be deleted after three years. Proof have been provided. Date Opened on this account XX/XX/XXXX It has been 7 years as of XX/XX/2023. Please delete these inaccurate accounts in the attachments. Please process my 6 letters in the attachments and other evidence. Credit report been provided.

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 2023-08-25 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: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
Our mortgage was sold to this company in the middle of a loan modification/forbearance process. Once we had sent in all of the needed documents ( twice ) it took a few months to finally hear anything back. I had to call and call to get any sort of answer. When everything was finally settled. At the end of XX/XX/XXXX I was informed over the phone that everything was done and our first payment would be due XX/XX/XXXX. We had decided to go ahead and make a payment in XX/XX/XXXX for the XX/XX/XXXX due date so we would be ahead a months payment. I had to call in to make the payment of $ XXXX, again she confirmed that payment would be for XX/XX/XXXX. In XXXX I went to make XX/XX/XXXX payment and again had to call in because online payments could not be made for our account because something was not completed on their end. I was assured that it should be fixed by our next payment. I noticed a couple weeks after that our account was showing delinquent. I then called again and was informed that she had escalated the issue and it would be fixed. After about a week of not hearing anything I called to check and was told she had gone on vacation and forgot to follow up on the issue. Again she escalated the issue. With one of the conversations with this same person she was very rude talking and yelling over me. I then ask to speak to her manager and had to leave a voicemail. Did not hear back. We have made three payments now of $ XXXX and still are being told we are delinquent. I have tried multiple times to have this issue resolved. Left another voicemail today with her manager XX/XX/XXXX. 

As of today we have made XXXX, XXXX and XXXX 's payments but are being told we have only made XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
I came to find out after checking my credit report that there have been fraudulent accounts opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. 

There are accounts which are UNAUTHORIZED and were not opened by me! 

The following accounts MUST be removed from my credit report as they are fraudulent and incorrect : XXXX XXXX XXXX, XXXX {$450.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX, XXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} SOS XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00} XXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXXXXXX XX/XX/XXXX {$4600.00} XXXX XXXX XXXXXX/XX/XXXX {$640.00} XXXX XXXXXXXX XX/XX/XXXX {$410.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX {$470.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXXXXXX XX/XX/XXXX {$400.00} XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00}

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 2023-08-25 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX IS IMPROPERLY REPORTING UNVERIFIED PUBLIC RECORDS AGAINST MY CREDIT FILE, AGAINST FCRA AND VIOLATING MY RIGHTS. I HAVE ASKED SEVERAL TIMES THAT THEY CORRECT THIS BY PROVIDING HOW THEY VERIFIED THE PUBLIC RECORD AND THEY HAVE NOT. THE ONLY METHOD TO CORRECTLY VERIFY THE PUBLIC RECORD IS TO OBTAIN THE INFORMATION VIA THE CLERK OF COURTS. TO DATE XXXX HAS IGNORED ALL MY REQUEST TO REMOVE FROM MY CREDIT BURUEA WHICH IS NOT REPORTING IN ANY OTHER BUREUA. I DEMAND XXXX FURNISH THE VALIDATION INFORMATION OR DELETE THIS RECORDS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-08-25 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: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-08-25 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: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2023-08-25 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: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-08-25 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-08-25 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: LA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you I that I have been a victim of fraud and that the accounts reporting the Credit Bureaus reporting are fraudulent. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$820.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt.

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 2023-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally submitting this CFPB complaint and formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Hence, I am seeking an immediate assistance from you to correct these following late open accounts : 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 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 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 2023-08-25 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep immaculate records of payment history across all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you

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