vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I tried to purchase a vehicle & was denied to learn the reason is because i have damages on my report however i have accounts on my credit report that i did not open or have no knowledge of under the 15 U.S.C 1681 law there shouldnt be any damages to my report thats a deformation of my character. XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX XXXX  account # XXXX United auto credit XXXX. account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX 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 explanation
Consumer complaint received 2024-12-10 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: T.S. Holdings
State: NJ

Complaint narrative:
I tried to purchase a vehicle & was denied to learn the reason is because i have damages on my report however i have accounts on my credit report that i did not open or have no knowledge of under the 15 U.S.C 1681 law there shouldnt be any damages to my report thats a deformation of my character. XXXXXXXX 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 iq data international XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
My latest credit report includes accounts that were added without my approval. I request that these entries be removed and blocked 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 non-monetary relief
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NJ

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 ONE 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 2024-12-10 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings, XXXX XXXX XXXX is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. 

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with XXXX XXXX XXXX. Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. 

I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the XXXX  as well as to me. It is extremely important that the creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off and taking this matter seriously. 

Thank you for your assistance.

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 2024-12-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
XXXX XXXX - - Credit card XX/XX/XXXX Closed Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Balance {$1100.00} Status Status updated Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - - Credit Card XX/XX/XXXX Closed Account charged off. {$4400.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$40000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Home Imp Loan XX/XX/XXXX Closed Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX - - Unsecured XX/XX/XXXX Closed Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Line of Credit XXXX XXXX, XXXX Closed Account charged off. {$7300.00} written off. Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$9300.00} written off. {$9300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non speci, 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 2024-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX - - Credit card XX/XX/XXXX Closed Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Balance {$1100.00} Status Status updated Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit Card XX/XX/XXXX Closed Account charged off. {$4400.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$40000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - - Home Imp Loan XX/XX/XXXX Closed Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX - - Unsecured XX/XX/XXXX Closed Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Line of Credit XXXX XXXX, XXXX Closed Account charged off. {$7300.00} written off. Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$9300.00} written off. {$9300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit BureauXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non speciXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXX  TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non speci, c XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, XXXX, & XXXX, I am writing to request that my address information on my credit report be updated to reflect my current address. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that the information they report is accurate and up to date. 

My current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I noticed that my credit report still lists my old address : 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 XXXXXXXX To assist with the update, I have enclosed copies of the following documents as proof of my current address : Please update my credit report to reflect this accurate information. Additionally, I request a confirmation once the change has been made. If you require any further information or documentation to process this request, please do not hesitate to contact me at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response in ensuring the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called Shellpoint ( formerly SLS ) asked to speak to a supervisor for information why the monthly payment increased when the name changed. He said no one was available and he knew why so I didnt need to talk to anyone else. He said the interest was 4.5 % and I said I remember it being lower. He said its always been that and the the reason the monthly payment went from {$520.00} to {$650.00} in XXXX when they changed names ( without wanting it changed for autodraft ) is after a certain amount of years into the mortgage, were required to pay more on the principal. I said this makes no sense since its a 50 year fixed term mortgage. He said thats how it works. 

I just found the paperwork and it says the rate is 2.74 % until XXXX so he lied. He also lied about the payment having a reason to change since its a fixed rate and no such thing as principal increasing at different years. The law is no terms can change and it says so in the XXXX letter about the XXXX name change of the company processing the payments for the mortgage.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/year> under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I received a XXXX XXXXXXXX XXXX  for the XXXX XXXX XXXX XXXX XXXX XXXX. Plaintiff/Petitioner MIDLAND CREDT MANAGEMENT INC. Attorney listed is XXXX XXXX XXXX XXXX The company or account they are trying to collect on that they purchased is a charged off account that is listed on the credit report as well as my bankruptcy. I called the number listed on the summons XXXX requesting a copy of any discovery and the original contract. I also requested the 1099c since the credit bureau is reporting that XXXXXXXX XXXX  has been charged off. This would be considered income for them and reported the the INTERNAL REVENUE SERVICE. My concern is that this collection and summons is fraud. The persons I spoke to refuse to send me anything but continued to transfer me to multiply customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have multiple issues with Citizens Bank. 
Issue 1 - in have been waiting to transfer money from XXXX XXXX XXXX to Citizens Bank since XXXX. Citizens has had multiple issues and my money has been resubmitted multiple times. They then informed me to transfer it to my daughters account. I have been waiting for at a month and they can see my money but cant complete the transfer. 
Issue 2 - I had money taken out of my account due to theft XX/XX/XXXX. The bank has confirmed that my money was stolen XX/XX/XXXX. I have been waiting for my money and the bank is not reimbursing me for my money and cant seem to help. 
Issue 3 - My daughter had mine taken from her due to fraud. The police were aware and confirmed that this was fraud. This started in the Summer of XXXX and the Bank continues to not reimburse my daughter. 
I have tried multiple options and I know the bank continues to lie about all of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-10 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: OH

Complaint narrative:
I recently discovered that fraudulent information has been reported on my account, which I did not authorize or consent to. This misinformation is negatively impacting my credit report and is hindering my ability to apply for and secure credit. I request that this fraudulent data be removed from my account as soon as possible to prevent further harm to my financial standing.

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