vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX IN XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/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 2023-10-02 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 reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XX/XX/2023 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 2023-10-02 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G.

if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/2023. An unknown employee of JPMorgan Chase & Co has been reporting negative information onto my consumer report. The negative report says " Charge Off '' and also says " JPMCB CARD has flagged your account as charge-off ''. Please be advised. I am aware This is EXTORION. These actions has negatively affected my credit reputation with other financial institutions. Making almost impossible to live day by day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Despite XX/XX/XXXX Letter from XXXX that my {$100000.00} student loan has been paid in full Equifax has continued to inaccurately maintain false and inaccurate information that I owe {$100000.00} Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XXXX my husband and I purchase a XXXX home a lemon a money pit financed by XXXX XXXX NY, unfortunately in order to keep up to date with the mortgage payment we filed XXXX  XXXX for credit card debts, in XXXX We remain current on my mortgage payments until XXXX. Trying to maintain property we fell in default 2x and was approved for XXXX 2x for a modification loan. 
In XXXX XXXX after taking all monthly payment from us but never reporting them to credit bureau transferred our mortgage to Rushmore management. 
In XXXX  my husband needed an emergency heating system replacement in addition emergency repairs were also needed. we fell behind four months mortgage I reach out to the Rushmore management the services assigned by XXXX in XXXX. Rushmore management advised me to apply for another modification I kept calling them and emailing them every week for status updates and was ask to resubmit multiple times documents we were waiting for modification approval for 10 Months in XXXX of XXXX A modification offer was approved, doubling our monthly mortgage payment with a high interest, I denied the offer in writing explaining that we can not afford to pay higher monthly mortgage In XX/XX/XXXX my daughter who serve in XXXX XXXX XXXX was XXXX  for two months it was a very hard season to minimize stress In XXXX of XXXX I mailed a certified bank check to cover the 12 months now due to bring mortgage current, Rushmore refuse payment and returned certified check my home continued in illegally foreclosure process while waiting for a modification approval I applied for help when my loan was only four months delinquent servicer Rushmore management advised me to apply for another modification. 
To date Rushmore refuses to work with me directly and imposes additional attorney fees and foreclosure fees in which we can not afford to pay there attorney, Rushmore attorney have me In foreclosure settlement conference every month XX/XX/XXXXXXXX   is the next settlement conference I need help in keeping my home and holding XXXX and there attorney and servicer accountable for the mental physical stress this has cause me and my family and financial hardship my tax liabilities I had to pay because my mortgage payment was not credited See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of American Express has been reporting negative information onto my consumer report. The negative report says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data '' Please be advised. I am aware This is EXTORION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nu World Title, LLC
State: NM

Complaint narrative:
Nu World Title LLC XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX dispensed XXXX cash of the sale of the property that was deeded from XXXX XXXX and XXXX XXXX XXXX ( XXXX ) to XXXX XXXX and XXXX XXXX without due dilligence to check there is a lawsuit and lien filed in NM against XXXX XXXX and XXXX XXXX for XXXX. XXXX doonot look under XXXX XXXX XXXX the second judicial district court did not index XXXX XXXX in the XXXX XXXX XXXX, however XXXX  XXXX is indexed, however she used XXXX XXXX when she closed and then the name was crossed out and corrected to XXXX XXXX at closing. It is negligent to not ask if the " sellers '' had a lawsuit in NM before dispensing cash. XXXX  XXXX XXXX and XXXX are suing them, and they want to come against our residence for a fraudulent " modification '' refinance that they did in XXXX to XXXX without our permission and knowledge. WE paid the arrearages and all closing costs when we bought our residence in XXXX because the sellers " borrowers of XXXX '' said they were destitute, to find out they bought adn sold over 5 properties in XXXX, reason why we suied them in XXXX XXXX  and balloon payment was annuled and they had to bring the account current, they did not fulfull theiur obligation signed and settled in court and cause an action in nm in XXXX. It looks like the bank only sent XXXX to the court registry abnd about another XXXX are embezzled betwee banks and borrowers. We were contacted by HUD to make a fraud complaint, and done. The. borrowers had no business ecumberring a property they did not have equity standing and then bail. 
the bank missed collecting from XXXX in the sale of this home with the XXXX  company cash funds. 

XXXX XXXX and holthus and XXXX  XXXX XXXX have no business extorting a XXXXXXXX XXXX ( XXXX ) lady with a XXXX and misaappropriating funds that were destined for the payment of th eoriginal XXXX loan. These people caused a mess and duress and emotional physical and economical harm to an innnocent purchaser of value. 

What kind of " title service " this companies are doing " and what kind of abuse are tehy willing to exert on a fragile woman like my mother, and I, to jsut find a " scapegoat '' to their negligence. 

Please collect from the responsible parties on the properties and assets that your " borrowers '' possess and can encumber.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
I am writing to express my profound frustration and concern regarding the ongoing presence of fraudulent items on my credit report despite multiple attempts to have them removed. These erroneous entries are adversely affecting my financial well-being, and I am seeking your immediate assistance to rectify this situation. 

I first became aware of these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing detailed information to support my claim. I attached copies of police reports, identity theft affidavits, and any other relevant documentation to substantiate my claim. 

I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. At that time, I was informed that the investigation was ongoing. 

As the fraudulent items were still present on my credit report, I sent a second dispute letter, reiterating my concerns and the importance of resolving this matter expediently. 

Lack of Response : Despite my continued efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report as of the current date.

The presence of these fraudulent items has had a severe impact on my credit score and has hindered my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation. I am asking for your assistance to remove these inaccurate items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-10-02 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:
I am writing to express my profound frustration and concern regarding the ongoing presence of fraudulent items on my credit report despite multiple attempts to have them removed. These erroneous entries are adversely affecting my financial well-being, and I am seeking your immediate assistance to rectify this situation. 

I first became aware of these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing detailed information to support my claim. I attached copies of police reports, identity theft affidavits, and any other relevant documentation to substantiate my claim. 

I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. At that time, I was informed that the investigation was ongoing. 

As the fraudulent items were still present on my credit report, I sent a second dispute letter, reiterating my concerns and the importance of resolving this matter expediently. 

Lack of Response : Despite my continued efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report as of the current date. 

The presence of these fraudulent items has had a severe impact on my credit score and has hindered my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation. I am asking for your assistance to remove these inaccurate items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XX/XX/ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9600.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$15000.00}

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 2023-10-02 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9600.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity capital bank is saying I owe them over XXXX! I've never had an account with them. It's ruined my credit as well.

Company response to consumer: Closed with explanation