vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: LA

Complaint narrative:
I am making a complaint due to Experian, XXXX, XXXX reporting unauthorizes accounts and inquiries on my report which I don't recognize.This is against my consumer rights and at this time I feel taken advantage of. Ftc has been files and all accounts needs to be removed from my consumers report. 

Collections : XXXX XXXX {$8000.00} account number : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-07-09 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 applied for a XXXX XXXX XXXX loan for XXXX  XXXX  and my credit was ran through TransUnion to see if I qualify. I was denied due to collections that were incorrectly put on my report that belonged to someone else. The credit report had the incorrect full name, date of birth, addresses, phone numbers, credit cards, loans, and collections. None of those information belonged to me and it belonged to someone else who I do not know or have any relations to. I have been in contact with TransUnion to fix the issue but they have been unresponsive and have not removed the collections from someone else in their name off of my account. The case number is XXXX. This is a case of identity fraud since another person 's information is combined with my information so I am looking at their entire financial history and they could also see mine.

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 2024-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
I received a very disturbing voice mail message ( XXXX ) XXXX from someone name XXXX XXXX he never stated the company he was calling from.. he didnt tell me what the call was In reference to he only stated he had my information and he was calling on behalf of his client but he had access to all my assets records which really alarmed me. I called the number back and a female answered I believe she said the company was XXXX. I have never heard of them. She went on to tell me the last XXXX of my social, my address, and date of birth. She said I owed debt to Tempoe LLC which I have no knowledge of. She claimed they have been trying to reach me through pre litigation which is absolutely a lie because I have no idea who these people are and they are not on my credit report.. she said I owed {$2300.00} for furniture purchased XX/XX/XXXX. She said my last payment was made XXXX of XXXX. She asked me to verify an email address I never heard of I told her that was not my email address at XXXX she then stated that someone would be out to my house XX/XX/XXXX to serve me between XXXX which is very concerning because I have no idea what is going on.. after I hung up the phone I did some research and found out that Tempoe LLC was sued for frauding customers so I dont know if this is a scam. I also did more research and in my state of P.A the statue of limitations to be sued for debit is 4 years from the missed payment.. its been 5 years.. Im very nervous now because this company has my information and Ive been a victim of identity theft in the past, And what is more alarming is after that call I attempted to call the company back numerous times with no answer only a voice mail.. Im very scared. I denied all claims to this debit and never heard of this company until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX, TransUnion, and XXXX have ignored my request to provide me with the documents their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provide me with the documents their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 
i have attache a report along with my ID and social for assitance. this is not mine

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 2024-07-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

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

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 2024-07-09 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-09 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: FL

Complaint narrative:
I noticed I was receiving numerous unauthorized inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report, I have never given these companies authorization to run my credit, and they have been doing it almost monthly since XXXX of 2022, I have reached out to the companies and the credit bureaus about this and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed I was receiving numerous unauthorized inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX on my credit report, I have never given these companies authorization to run my credit, and they have been doing it almost monthly since XXXX of 2022, I have reached out to the companies and the credit bureaus about this and have not received any 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 2024-07-09 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MO

Complaint narrative:
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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : ExperianXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX  account ending in # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Most account numbers weren't included in my credit report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-09 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: LA

Complaint narrative:
I am making a complaint due to XXXX, Transunion, XXXX reporting unauthorizes accounts and inquiries on my report which I don't recognize.This is against my consumer rights and at this time I feel taken advantage of. Ftc has been files and all accounts needs to be removed from my consumers report. 

Collections : XXXX XXXX  {$8000.00} account number : XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

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 2024-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RentDebt Automated Collections, LLC
State: PA

Complaint narrative:
I previously reached out to RentDebt Automated Collections , LLC requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that RentDebt Automated Collections , LLC has reported a collection account with a zero balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, RentDebt Automated Collections , LLC must remove all reporting of the account on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NM

Complaint narrative:
Report # XXXX I received a XXXX score today through my account at XXXX XXXX that shows a XXXX score of XXXX. 
My bank received this information based on a FICO Score XXXX and provided by Experian. 
Why the difference between what the Experian XXXX states and what Experian is reporting to others? 

Thank you, 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 2024-07-09 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Shellpoint Mortgage A Division of newrez XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Information and Request for Modification Resolution Dear Sir/Madam, I am writing to formally address a serious issue concerning the information I received from your company regarding a mortgage modification. On XX/XX/2024. I was advised by your representative to wire {$10000.00} to facilitate a mortgage modification. Based on this guidance, I withdrew the necessary funds from my XXXX ( XXXX  ) account. 

However, I was informed today XX/XX/2024, that the information provided to me was completely inaccurate. This misinformation has caused me significant financial hardship and undue stress. The withdrawal from my XXXX ( XXXX  ) has not only affected my savings but also resulted in tax implications and penalties. 

Details of the transaction are as follows : Amount Wired : {$10000.00} Date of Wire Transfer : XX/XX/2024 Reference Number XXXX Given the severe impact of this erroneous guidance, I request an immediate investigation into this matter and a full resolution, including but not limited to : A full refund of the {$10000.00} wired based on inaccurate information. 
Compensation for any penalties and tax implications incurred due to the XXXX ( XXXX ) withdrawal and no foreclosure date be placed on my home due to this very inaccurate information. 

Written clarification of your company 's policy on mortgage modifications to prevent future misunderstandings. 

I expect a prompt response and resolution to this issue. Please contact me at XXXX or XXXX to discuss the next steps. Failure to address this matter adequately will leave me with no choice but to seek further action, including legal recourse and filing complaints with relevant regulatory bodies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In recent months, I discovered several inaccuracies and unauthorized inquiries on my credit report, which have negatively impacted my credit score and overall financial standing. Despite my attempts to resolve these issues, the inaccuracies persist. Below is a detailed description of the incidents : Personal Information Discrepancies : I noticed multiple errors in the personal information section of my credit report, including incorrect names, Social Security numbers, phone numbers, and addresses. This has led to a major delay in home purchasing and I am a XXXX XXXX veteran that is being taken advantage of by the inaccuracies of the credit bureaus and refusing to remove the info. 

While I was away I had my information compromised and this has led to a vicious cycle of public embarrassment, financial dependence and poor living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/year>, I sent dispute letters to the credit bureaus challenging inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 3 ), credit reporting agencies are required to note on the credit report when an account is in dispute. Despite this requirement, the recent credit report I obtained does not show any comment indicating that the disputed accounts are under investigation or are being disputed. 

This failure to mark the accounts as in dispute is a violation of the FCRA and has caused ongoing harm to my credit profile and financial standing. I have attached copies of the dispute letters I sent on XX/XX/year> and the recent credit report that lacks any notation of the disputes.

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