vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom this may concern, I sent a letter to XXXX, XXXX and Transunion concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom this may concern, I sent a letter to Experian, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
The following accounts need to be updated to Current / Terms met : - XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX  # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) In accordance with the Fair Credit Reporting Act these accounts have violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am demanding that these accounts be updated. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
See the attached documents, I have letter for you to honor my request I also included FTC report and my id 's.

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 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar ( dba Mr. Cooper ) has started an illegal foreclosure against my house, which is my primary residence where I live with my wife and children. Here is what happened : On XX/XX/XXXX, I received a letter from Nationstar stating that I had been approved for a loan modification. Shortly after, I received a packet from Nationstar with the loan modification documents. I signed the documents on XX/XX/XXXX, and soon thereafter returned them to Nationstar. 

On XX/XX/XXXX, I received a letter from Nationstar indicating that the documents I signed had errors on the dates. The letter further stated that Nationstar was going to send a mobile notary to help me sign the documents. 

On XX/XX/XXXX, I met with the mobile notary sent by Nationstar ( XXXX XXXX XXXX XXXX XXXX and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. 

In XX/XX/XXXX, I was contacted by the mobile notary XXXX XXXX, and she indicated that Nationstar wanted me to re-sign the documents. On XX/XX/XXXX, I met again with the mobile notary sent by Nationstar and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. 

I made six ( 6 ) payments under the new terms from XXXX to XX/XX/XXXX. In XX/XX/XXXX, the company blocked the portion of the website that allowed me to make payments. 

The company has now filed a Notice of Default dated XX/XX/XXXX. 

To stop the foreclosure, the company wants me to sign a different modification, with higher monthly payments. I told them we already agreed to the terms and there is no legal justification for them to reject the loan modification documents that have already been signed and notarized. 

The filing of the Notice of Default has damaged my credit score, and the lowered credit score is having further damage to my business, including higher prices for insurance, higher cost for operating bond, and higher interest on business credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
The company is saying I owe them {$1000.00} I do not owe them they responded with a signature for a guy name XXXX who is it me and I am not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, Equifax, and XXXX. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, XXXX, and Experian. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: MO

Complaint narrative:
Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and Stated did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? 
I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. 
I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. 
The companies falsely reporting against me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Kikoff Lending LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
I graduated from XXXX XXXX XXXX  XXXX in XXXX. All of my tution and book was covered by a student loans that I took out with XXXX. I never took out any personal loans with XXXX XXXX XXXX  XXXX. In XXXX I was notified through XXXX that a collection was placed on my account. The collection agency name is receivable colletions located at XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX. I contacted the collection agency and notified them that I do not owe this debt. I never took a loan out directly with my XXXX XXXX XXXX. I was given a document showing that I defaulted on payments in XXXX. Which I dont agree with because as I stated earlier all my tution and books were covered under the student loan that I took out with Navient XXXX I notified Receivable Collections in XXXX that the debt should be remove the default date is XX/XX/XXXX it is now XXXX and they refused to remove the debt. It has been over 8 years from the default date. Receivable Collections is reporting a different date to the XXXX so the collection account can stay on my credit longer. I have lost several opportunities because of this collection being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
It was fraudulent XXXX transactions and a personal loan that has been cleared. The XXXX transactions have been appealed twice. Everything done was through Citibank. This started on XX/XX/23 with a phone call from CITIBANKONLINE ( XXXX ) saying my debit card was compromised at a XXXX gas station. They explained to me when I purchased gas and how much. From there someone tried to use my card down in XXXX XXXX, Florida at an Office Depot for {$2500.00}. Citibank told me they would be sending me a new debit card the next day. They said they would call me the next day which was XX/XX/23. That day I was told someone opened a personal loan account for XXXX and it was in my account and had to be removed. They used me to XXXX money to different accounts and took all money out of my checking account. On Friday XX/XX/23 my checking account balance was {$13000.00}. It was dissolved down to XXXX XXXX Everything done was through Citibank. They cleared the XXXX XXXX loan but the XXXX transactions have been denied. I have all the reference 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Identity theft, multiple fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXXXXXX # XXXX, Account : XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, Account ; XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : Jpmcb # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, XXXX  # XXXX. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation