vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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:
Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Dear TransUnion Dispute Department, I am writing to formally dispute several items on my credit report that are a result of identity theft. The following accounts do not belong to me, and I demand that they be removed from my credit report immediately : XXXX XXXX Account : # # XXXX XXXX XXXX XXXX  Account : # XXXX XXXX XXXX  Account : # XXXX XXXX XXXX XXXX XXXX  Account : # XXXX As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, to request the removal of these fraudulent items from my credit report. Enclosed, please find the necessary documentation to support my claim, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ).

Copies of my personal identification, including my driver 's license and a utility bill, to verify my identity. 

I demand that TransUnion take the appropriate actions to remove these fraudulent 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 2024-12-19 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-19 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$910.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) 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 explanation
Consumer complaint received 2024-12-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-19 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX U.S. Bankruptcy Court Account Number : XXXX Inquiry 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 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On May of the present year, I requested to get remove from my mortgage the PMI ( Private Mortgage Insurance ) this under the Homeowners Protection Act of 1998 which grants me the right to request the PMI to be remove once I have reached the 80 % loan to value ratio. 

Newrez ( Mortgage Company ) sent me a letter to sign, date and submit along with a check of $ XXXX to get an appraisal done on my home. I completed the steps and on XX/XX/XXXX, and License Appraiser was sent to my home by Newrez.

The appraisal was done and submitted on the same day to Newrez with a home value of $ XXXX at that moment my mortgage balance was $ XXXX. 80 % loan to value ratio would be at $ XXXX which I was {$3600.00} below that. However, Newrez decided to deny the removal of the PMI. 

On XX/XX/XXXX, I sent an appeal letter ( attached ) they still denied the removal of the PMI from my mortgage, violating my rights, Federal and State laws. 

I spoke on the phone with many customer representatives from Newrez about my case and all of them said that I do qualify to get the PMI remove, however it did not happen, I also have a chat conversation with a Newrez representative on XX/XX/XXXX which have said the same thing. ( Conversation Attached ) I truly appreciate your hard work on helping us small consumers to have our voices heard and rights respected. Thank you and XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
It is deeply troubling and unacceptable that I was hung up on yet again by a manager today, while I am still unable to access my fees. This ongoing issue has caused significant frustration and XXXX, further compounded by the lack of resolution or accountability from Navy Federal. The emotional and financial strain I have endured as a result of this negligence is outrageous, and I fully intend to pursue legal action early next year. Navy Federal will be held accountable for the pain and suffering I have endured, and I am confident that justice will result in a fair and substantial outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt collector engaged in unfair practices that are unlawful under the FDCPA. We did not agree on this account, and I did not sign a legally binding agreement that required both parties ' signatures. Therefore, I did not participate in any of the activities. They failed to follow the correct 5-Step Validation process. They clearly violated my rights and abused my privileges, and I am entitled to compensation under the FDCPA. I request that this account be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I am receiving letters from companies that I have no ideal. I have done no business with about money old to the companies. Also, I am receiving reports daily about credit that I have no idea of and collections. Sent letters to these companies no response.

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 2024-12-19 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 credit card opened at XXXX XXXX XXXX on XX/XX/2020 under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires 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 non-monetary relief
Consumer complaint received 2024-12-19 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : XXXX  Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-12-19 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX .... 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-12-19 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: NJ

Complaint narrative:
I have sent multiples letter to Experian, first one in XX/XX/year> and they kept my personal information the same, the second letter was sent in XX/XX/year> and they are still showing the wrong information on my credit report. 

On name these must be deleted : XXXX XXXX XXXX XXXX On Old addresses these should be deleted ( I DO NOT recognize these addresses! ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ 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 2024-12-19 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: FL

Complaint narrative:
XXXX XXXX has improperly reported my credit utilization data to credit bureaus without honoring my rights under federal opt-out laws, including Regulation P ( 12 CFR 1016 ). Under these laws, I have the right to opt out of disclosing my nonpublic personal information to nonaffiliated third parties. XXXX XXXX has not provided me with a clear and conspicuous notice or reasonable means to exercise this opt-out right. Despite my attempts to opt-out, they continue to report my credit utilization data. This failure violates federal requirements, including the mandate to comply with opt-out requests as soon as reasonably practicable under 12 CFR 1016.10. This improper handling has negatively impacted my financial privacy and subjected me to potential harm.

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 2024-12-19 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I emailed their office requesting documentation and details regarding this account for Central Portfolio Control. To date, I have received no correspondence from themwhether by email, phone, or mailregarding this matter. This failure to respond violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request ( 15 U.S.C. 1692g ). 

Additionally, this account has been removed from my XXXX credit report, subsequently added back without any explanation, and then removed again. However, it continues to be inaccurately reflected on my XXXX credit report. This inconsistency is concerning and raises further questions about the legitimacy of this account and your reporting practices. 

Your failure to provide timely responses, validate the debt, and ensure accurate credit reporting may also violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ). The inconsistent handling of this account across credit bureaus is unacceptable and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I contacted XXXX XXXX [ XXXX ] in XX/XX/XXXX for debt resolution assistance. I was paying $ XXXX a month to resolve debt and pay off credit cards ; however, the creditors were not receiving payments. I contacted the XXXX XXXX XXXX  with concerns about these practices and was informed that XXXX XXXX XXXX was being sued by the Federal Trade Commission for their practices. I then contacted XXXX XXXX XXXX in XX/XX/XXXX to find out what course of action to pursue as they were being sued. I did not receive any communication. Meanwhile, the XXXX XXXX XXXX advised me to contact my creditors with regards to the situation, which I did, and I was able to negotiate on my own and pay off my debt, which totaled upwards of $ XXXX. I have recently been contacted by another debt collection agency, Oliphant Financial to now try and force me to pay {$18000.00} to them as they have obtained accounts from XXXX XXXX XXXX. I am being harassed by this company for a debt that I do not owe, and it is showing up on my credit report as an outstanding debt originating in XXXX. I am formally reporting both XXXX XXXX XXXX and Oliphant Financial Services for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
My complaint is with XXXX and XXXX debt collections in XXXX Illinois. I have made the payments to them past couple months. I made a payment on XX/XX/year> of the amount of {$200.00} and then I made a payment on XX/XX/XXXX of XXXX  at the amount of {$200.00}. On XX/XX/XXXX of XXXX  They called me and said that I have not made my XXXX payment. I said why cant you just moved one of the {$200.00} that I paid in XXXX to the month of XXXX and then Ill think its good and they said sir we can not do that. I just need some help please somehow my number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: LA

Complaint narrative:
XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCY EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX RE : XXXX  Block Request Dear XXXX XXXX XXXX 
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX  # XXXX opened XXXX {$3400.00}, XXXX XXXX XXXX XXXX # XXXX opened XXXX {$25000.00} XXXX XXXX  # XXXX opened XXXX {$20000.00} is the Identify items resulting from XXXX  that should be blocked, Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please email me at XXXX XXXX

Company response to consumer: Closed with explanation