vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am avictim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as a charge-off with the following details : Creditor Name : XXXX XXXX Balance : {$3800.00} Credit Limit : {$3000.00} There are several inconsistencies with this accounts reporting that I would like to address : 1. The payment history for this account shows 120 days late in both XX/XX/year> and XX/XX/year>, which is contradictory to standard reporting practices. Delinquencies should progress monthly, and this repeated status is inaccurate. 
2. The account was charged off in XX/XX/year> but still reflects an active balance affecting my credit utilization at 129 %. A charged-off account should not continue to impact utilization unless explicitly agreed upon in the original contract. 
3. The reporting timeline appears manipulated, as the charge-off was delayed despite prolonged delinquency. 

Under the FCRA, all information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you investigate this account with the creditor and provide supporting documentation to verify its accuracy. If the information can not be verified, I request that the charge-off and all related negative marks be removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day timeframe.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as a charge-off with the following details : Creditor Name : XXXX XXXX Balance : {$3800.00} Credit Limit : {$3000.00} There are several inconsistencies with this accounts reporting that I would like to address : 1. The payment history for this account shows 120 days late in both XX/XX/year> and XX/XX/year>, which is contradictory to standard reporting practices. Delinquencies should progress monthly, and this repeated status is inaccurate. 
2. The account was charged off in XX/XX/year> but still reflects an active balance affecting my credit utilization at 129 %. A charged-off account should not continue to impact utilization unless explicitly agreed upon in the original contract. 
3. The reporting timeline appears manipulated, as the charge-off was delayed despite prolonged delinquency. 

Under the FCRA, all information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you investigate this account with the creditor and provide supporting documentation to verify its accuracy. If the information can not be verified, I request that the charge-off and all related negative marks be removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day timeframe.

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 2025-01-08 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Amount : XXXX Actions Taken : Payment arrangements made between me and Radius Solutions, who bought the debt from XXXX XXXX XXXX, who bought the loan from 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Subject : Request for Debt Cancellation Confirmation and Correction Dear Goldman Sachs Bank USA, I am writing to address an issue regarding the discharge of my debt with your institution. According to the IRS instructions for Form 1099-C, Event Code 7 applies to a discharge of indebtedness when a creditor discontinues collection activity and cancels the debt. 

I believe that my account with you has been charged off and that collection efforts have ceased. Based on this, the debt should meet the criteria for cancellation of debt, and the reporting should reflect a {$0.00} balance. However, it appears that my debt has not been cleared, and the appropriate cancellation of debt process has not been applied. 

Please confirm whether Goldman Sachs Bank USA has indeed charged off this account and ceased collection efforts. If so, I request that the necessary corrections be made to reflect the cancellation of the debt, ensuring the account balance is reported as {$0.00} in compliance with IRS guidelines. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ Account XXXX - XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
These accounts are included in a data breach I'm a victim of identity theft. Please have these unauthorized accounts moved 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are included in a data breach I'm a victim of identity theft. Please have these unauthorized accounts moved 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 explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue.

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 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am writing to escalate a serious concern regarding my mortgage account managed by Rushmore Servicing LLC, against which I have previously filed four complaints. This correspondence serves as my fifth formal complaint and includes additional documentation to substantiate my claims of fraudulent practices by Rushmore Servicing. 
Despite multiple inquiries, I have received inconsistent and misleading responses regarding unwarranted charges on my account. As stipulated in my mortgage statement, a late fee of {$17.00} should only be applied if payment is received after the XXXX of the month. However, this fee has been erroneously added to my account every month, even when not applicable. When I include the late fee in my payments, the total should reflect {$870.00}, but the payments recorded are consistently only $ XXXXdisregarding the additional amount paid. 
Furthermore, there appears to be a deliberate misapplication of the amounts I have paid, a clear deviation from the agreed terms, and a manipulative practice that could be construed as an attempt to defraud. Each time I have sought clarification, the explanations offered by various agents have been contradictory and unsatisfactory, which prompts my repeated requests for intervention from your office. 
Attached are the documents supporting these assertions. I urge you to review these materials and address the discrepancies in my mortgage account management. If this issue falls outside your jurisdiction, please direct me to the appropriate agency for further assistance. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Charged off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$12000.00} Charged off Inquiry in Dispute : 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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to
be removed ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process.

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Texas There should only be one address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process.

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly.

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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