vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
Someone fraudulently opened a XXXX XXXX  credit card. I attempted to freeze my credit with Equifax. For some reason the online service would not allow me to freeze my credit after answering info from my credit file so I called Equifax. I could not answer the questions related to my credit report during the call The rep sent a link to my cell phone I selected the link and took a pic of the front and back of my drivers license and took a selfie. Then the rep continued to ask verification questions from my credit file such as whats the minimum payment due on my credit card. I always pay my credit card in full every month so there is no minimum amount due. Even though Equifax had a picture of the front and back of my license and a self proving I'm ME AND HUMAN they refused to accept this as verification and refused to put a freeze on my credit allowing more fraud activity to possibly occur. I'm XXXX XXXX XXXX I don't remember all that stuff they were asking and they had VISUAL proof of who I was!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account Number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTB, XXXX, CFPB

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account Number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTB, XXXX, CFPB

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 2024-12-30 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: TX

Complaint narrative:
I HAVE DISPUTED WITH PROOF THAT I AM PROTECTED WITH THE ADDRESS CONFIDETIAL PROGRAM FROM THE STATE OF XXXX  FOR XXXX  XXXX  YEARS YEARS THEY REFUSE TO REMOVE.
THEY HAVE NOT REMOVED ONLY ADDING THE PO BOXED USED TO RECEIVE MAIL MY DRIVERS LICENSE IS THE PO BOX AND THIS HAS CAUSED A BIG MOVE AND MISPLACEMENT

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 2024-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
Rocket Mortgage ( Account # XXXX ) State its Current but I closed on this mortgage on XXXX XXXXXXXX XXXX and the balance is {$390000.00} ( XXXX, XXXX and XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Creditor Contact : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Compromise and adjustment of nonjudgment debts. 
Nonjudgment debts which the debtor is unable to pay may be compromised or adjusted in accordance with applicable provisions of this section, and the debtor may retain the security property, if any. Application will be made on XXXX XXXX XXXX by the debtor ; or if the debtor is unable to act, by another party having legal authority to act for the debtor. Collection of a lump sum offer may be deferred until the debtor is advised that the offer is approved. Upon full payment of the approved compromise or adjustment amount, the Agency will release the debtor from liability by delivering the note ( s ) to the debtor stamped Satisfied by compromise or adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I contacted citibank, citicards and citi promotions on multiple occasions to request confirmation that I had been given the XXXX XXXX  points promotion for my new XXXX  citicard. i sent them the email chain with the original targeted email promotion that was sent to me offering the CitiBank XXXX  credit card with XXXX XXXX  points bonus offer for making {$XXXX} in purchases. When I initially contacted Customer Service to check on the balance of spending on my account, I was told that I would not be receiving the bonus. I then followed up with Citi Customer Service on multiple occassions, including XX/XX/year> and again on XXXX. Although I was intiatilly told that I was ineligible, after I clarified that I had received the targeted offer, directly to me with my XXXX  customer number, I was told to forward the promotional offer email to citiaal promotions. I did this after speaking with multiple customer service representatives, including the XXXX XXXX in the XXXX who indicated that once the offer was validated I would be given the credit for the bonus offer miles. 
I accepted the online offer for this card with the bonus offer. I applied for the card online and was immediately approved. At no time was there any indication that I might not be eligible for the promotion. Citi customer service advised me to contact via the email address and that they would verify the offer that was sent to me, and the issue would be quickly resolved, so that I will receive the bonus points offer of XXXX XXXX  points. I accepted the offer and made the spend, based on the offer and with the expectation and that I was to receive this bonus. 
i asked them to credit the point to my XXXX  Account and send me a confirmation that it had been done. I requested a response to my email address, provided all of my contact information for any additional information.

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 2024-12-29 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: AR

Complaint narrative:
Noticed a fraud account listed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Central Research Inc
State: NY

Complaint narrative:
I am writing to seek assistance regarding a student loan entry that has recently appeared on my credit report. This entry is either inaccurate or was posted without my knowledge. I have reviewed my records and do not recognize this loan as legitimate. 

Here are the key details of my situation : Name : CENTRAL RESEARCH INC/DOE Date of Credit Report Review : XX/XX/year> Details of the Student Loan Entry : {$750.00} and {$430.00} I kindly request your guidance on how to proceed with disputing this entry. I have already contacted the credit reporting agency and the loan servicer but have not received a satisfactory resolution. 

Please let me know if you require additional information or documents to investigate this matter. I appreciate your time and assistance in helping to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX  - The following personal information is incorrect- The personal data reporting 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 explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name and address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Consumer Name ; XXXX 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 EXPERIAN 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 account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number 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 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name and address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XX/XX/year> I filed a dispute through XXXX. 
XXXX of my account XXXX Report was closed and deleted. This company reports my rental payments to the XXXX credit Bureaus and I pay XXXX a fee for the service. 

I dont know why they close this account. Is affecting my score. 
My XXXX account is active. I have evidence. 

Please help. Thanks and 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 2024-12-30 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: NY

Complaint narrative:
I am writing to seek assistance regarding a student loan entry that has recently appeared on my credit report. This entry is either inaccurate or was posted without my knowledge. I have reviewed my records and do not recognize this loan as legitimate. 

Here are the key details of my situation : Name : XXXX XXXX XXXX Date of Credit Report Review : XX/XX/2024 Details of the Student Loan Entry : {$750.00} and {$430.00} I kindly request your guidance on how to proceed with disputing this entry. I have already contacted the credit reporting agency and the loan servicer but have not received a satisfactory resolution. 

Please let me know if you require additional information or documents to investigate this matter. I appreciate your time and assistance in helping to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-30 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: NY

Complaint narrative:
I am writing to seek assistance regarding a student loan entry that has recently appeared on my credit report. This entry is either inaccurate or was posted without my knowledge. I have reviewed my records and do not recognize this loan as legitimate. 

Here are the key details of my situation : Name : XXXX XXXX XXXX Date of Credit Report Review : XX/XX/year> Details of the Student Loan Entry : {$750.00} and {$430.00} I kindly request your guidance on how to proceed with disputing this entry. I have already contacted the credit reporting agency and the loan servicer but have not received a satisfactory resolution. 

Please let me know if you require additional information or documents to investigate this matter. I appreciate your time and assistance in helping to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I am writing to seek assistance regarding a student loan entry that has recently appeared on my credit report. This entry is either inaccurate or was posted without my knowledge. I have reviewed my records and do not recognize this loan as legitimate. 

Here are the key details of my situation : Name : XXXX XXXX XXXX Date of Credit Report Review : XX/XX/year> Details of the Student Loan Entry : {$750.00} and {$430.00} I kindly request your guidance on how to proceed with disputing this entry. I have already contacted the credit reporting agency and the loan servicer but have not received a satisfactory resolution. 

Please let me know if you require additional information or documents to investigate this matter. I appreciate your time and assistance in helping to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was checking my credit report and I found wrong information about my name and addresses.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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