vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report. These items contain inaccurate, unauthorized, unverifiable, and potentially fraudulent information, violating federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
15 USC 1681e ( b ) ( FCRA ) - Ensures that all reported information, including auto finance accounts, is accurate. Any inaccuracies in reporting, such as an incorrect last reporting date or payment history, violate this standard.15 USC 1681s-2 ( a ) - Places a duty on furnishers of information ( like XXXX finance companies ) to report accurate information to credit bureaus. Failing to update or correct this information breaches their duty to report accurately.15 USC 1681i : Unverifiable information must be corrected or deleted. Privacy XXXX : Under the Gramm-Leach-Bliley Act ( GLBA ), reporting my personal information without consent constitutes a breach of privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my private student loan with Climb Credit, as I believe I may have been affected by the deceptive and abusive practices described in your recent legal complaint against Climb Credit ( Case No. XXXX ). 

I obtained a loan from Climb Credit in XXXX to finance tuition for a XXXX XXXX XXXX offered by XXXX XXXX. Based on the CFPBs allegations, I am concerned that : - The educational program I financed may not have been properly vetted by Climb Credit for quality or return on investment. 
- The loan terms, including finance charges, origination fees, and XXXX, may not have been accurately disclosed to me at the time of signing. 
- Climb Credits marketing materials may have misrepresented the outcomes, such as salary increases and employment rates, for graduates of the program. 
- These practices, as outlined in your complaint, significantly impacted my decision to take out this loan. The program I attended did not meet my expectations in terms of promised outcomes, and I now face financial difficulty in repaying this loan. 

I would like to : - Report my experience with Climb Credit for further investigation. 
- Be informed about how I might be eligible for restitution or other relief resulting from this legal action. 
- Request guidance on disputing the loan directly with Climb Credit, should this be necessary. 
- Attached are relevant documents, including my loan agreement and any marketing materials I received from Climb Credit or the program I attended. Please let me know if additional information is required. 

Thank you for your time and for addressing these important issues. I look forward to your guidance and response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
Am writing to ensure you always have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and need to be removed from all XXXX agencies ( XXXX, XXXX, Transunion ) as soon as possible. I sent the corresponding letters to each credit agency in it's perspective to solve this manner. This is the second time sending these letters off, but this time i had each of the letters certified. I also sent a copy of my identification and current address with a copy of my social security card for verification purposes. 

-Please delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other addresses that is NOT the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete the following inaccurate employers : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 
as stated above, I have enclosed copies of my state issued identification and social security number to validate my identity. 

Regards, 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 2024-11-20 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: SC

Complaint narrative:
Am writing to ensure you always have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and need to be removed from all XXXX agencies ( XXXX, Experian, XXXX ) as soon as possible. I sent the corresponding letters to each credit agency in it's perspective to solve this manner. This is the second time sending these letters off, but this time i had each of the letters certified. I also sent a copy of my identification and current address with a copy of my social security card for verification purposes. 

-Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other addresses that is NOT the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete the following inaccurate employers : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 
as stated above, I have enclosed copies of my state issued identification and social security number to validate my identity. 

Regards, 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 2024-11-20 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 am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft as a result of a data breach, and I have identified several fraudulent items on my credit file that I did not authorize. 
The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
Flagstar Bank reported negative on my credit on XXXX different occasions, most recently XXXX, past due payments. The account was for a joint mortgage account, that my ex-wife was in charge of, but never had re-financed or sold, until just this month of XXXX. 

The divorce decree, from XXXX, had indicated that she was wholly responsible for paying on the account and had a deadline of XXXX to re-finance or sell the mortgage, so my name would be taken off. This was also not done until recently. On my part, I did not take her to court to resolve this, as it would not have been a humane action to take, as her mother and XXXX pets were living in the home. 

When I submitted a dispute with XXXX XXXX XXXX XXXX XXXX Flagstar banks decision and XXXX it was accurate. Flagstar, when I submitted a report inquiry to have the credit fixed on my behalf, due to the divorce decree, replied that the information was accurate and no changes would be made. 

My point of contention in this is the fact that my ex-spouse was then able to sell the mortgage this month of XXXX, without anything needed on my behalf. I did not have to sign any paperwork, nor did I receive any compensation for the sale of said mortgage loan. If this is the case, then should not all of the negative reporting on my credit account then be taken off regarding Flagstar Bank?

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 2024-11-20 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: FL

Complaint narrative:
I sent a letter on XX/XX/year> requesting my information be reviewed for accuracy and any inaccurate information needs to be removed. The Credit bureau sent a letter back and stated that they believe I was a credit monitoring company and please resubmit a response to this letter.

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from 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 2024-11-20 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: WI

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXXXX/XX/year> {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent 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 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 2024-11-20 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: NH

Complaint narrative:
I am not able to access the account or call trans union or XXXX at this time. However I did notice still some issues not resolved. Realize being worked on and I am working on identity issues however I did have a legal name change 2008 that I did have to amend and took years. But if it helps them partly resolve the problem there was a gap of time between the documents were amended. The XXXX XXXX ID is not the same as I had a drivers license in given and legal name that I had despite the error as well as after ammended. So it doesnt have the same New Hampshire XXXX license number because it hadnt expired at the time. So I am able to supply it to them but in between the state XXXX took effect replacing the drivers license which likely is causing more confusion I had to give up driving because of low vision. So because birth certificate can not be copied I am in process of getting a replacement passport and then it should be able to be amended. Otherwise I have to go back and redo the application for passport in place of the birth certificate. Apparently someone else took out credit card loans so no it was not my debt still see a number that I can not know if it was mine. Trans union. XXXX. Landlord at the time had similar number and anyone could have used his or my phone so just let them know. Between them. Also at this address computer went through my number dial up not wifi for both his and my computer so reasonable doubt for me again

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 2024-11-20 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 formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
ORGINAL CFPB # XXXX THE FOLLOWING IS THE ORIGINAL LETTER THAT WAS SENT TO THE SO CALL COLLECTION AGENCY THE ORGINAL DEBTOR IS STATING THEY NO LONGER HAVE THE DEBT OR THE NEVER EXISTED. I DIDNT RECEIVE MY XXXX FOR TAX PURPOSE STATING THAT I OWED ANY DEBT. 

XX/XX/year> CREDIT COLLECTION SERVICE XXXX CCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX WHOM THIS XXXX CONCERN, I HAVE RECENTLY PULLED MY CREDIT REPORT AND NOTICED THAT THERE IS A COLLECTION LISTING FROM YOUR AGENCY. I HAVE NEVER BEEN NOTIFIED OF THIS COLLECTION ACTION OR THAT I OWED THE DEBT. THIS LETTER IS TO INFORM YOU THAT I HAVE THE RIGHT TO REQUEST A VALIDATION OF THIS DEBT AND YOUR ABILITY TO COLLECT THIS MONEY FROM ME BY PROVIDING THE ORIGINAL WRITTEN AGREEMENT. I ASK THAT YOU PROVE THAT I AM INDED THE PARTY WHO IS CONTRACTUALLY BOUND TO PAY OFF THIS DEBT OR STOP COLLETION ACTIVITY AND REMOVE IT ALL TOGETHER. PLEASE ATTACH COPIES OF THE FOLLOWING DOCUMENTS : PURCHASE AND/OR AGREEMENT THAT YOU HAVE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. AGREEMENT THAT BEARS WET SIGNATURE OF THE ALLEGED DEBTOR WITH PROMISES TO PAY THE ORIGINAL CREDITOR. COMPLETE PAYMENT HISTORY ON THIS ACCOUNT, TO PROVE THAT THE AMOUNT YOU WISH TO COLLECT IS CORRECT. I HOPE YOUR LEGAL STAFF WILL AGREE THAT NONCOMPLIANCE WITH THIS REQUEST WILL RESULT IN SERIOUS LEGAL TROUBLE FOR YOUR COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief