vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear TRANSWORLD SYSTEMS, I am writing to formally request a charge-off letter for an account that I have no prior knowledge of. Below are the relevant details regarding the account in question : Original Balance : {$500.00} Outstanding Balance : {$500.00} Date of Charge-Off : XX/XX/year> I have communicated with your company regarding this account ; however, I have yet to receive the documentation necessary to verify its accuracy and my association with it. Specifically : Lack of Knowledge : I have no record of any transactions or agreements related to this account, which has led to my surprise upon learning of its charge-off status. 

Previous Communication : I reached out to customer service on [ Date ], seeking clarification and requested supporting documentation. Despite my inquiries, I have not received any information that validates the existence or accuracy of this account. 

I kindly ask that you provide a formal charge-off letter detailing the information related to this account, including how it originated and any actions taken that led to this charge-off. This documentation will help me better understand the situation. 

Thank you for your attention to this matter. Please let me know if you need any additional information to assist in processing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After months of exhausting all avenues in an attempt to have Transunion remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Transunion has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Transunion. 

Transunion has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information 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 2024-10-25 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: TX

Complaint narrative:
My information was leaked in a data breach. Inquiries were made without my consent or knowledge.

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 2024-10-25 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: TX

Complaint narrative:
My information was leaked in a data breach. Inquiries were made without my consent or knowledge.

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 2024-10-25 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: CORELOGIC INC
State: TX

Complaint narrative:
My information was leaked in a data breach. Inquiries were made without my consent or knowledge.

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 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Respected Sir / Madam I contacted Fay service to opt out my Escrow payments of Property Taxes + Home Insurance + PMI on XXXX, XXXX. 
They approved my request but after some time they denied due to my Loan to value ratio was 80.4 % I paid additional principles of {$6500.00} sometime first week of XXXX to bring my loan to value ratio 78.9 %. 
I requested again sometime around XXXX XXXX  via phone & e-mail but as on date Fay services Supervisor, XXXX ( Short Initial ) not approved my request. 
More ever Fay Services charged {$140.00} PMI for the month of XXXX XXXXXXXX  ( My mortgage payment is monthly ) as well as they will posted to deduct {$140.00} PMI for the month of XXXX. 
Can you please help to opt out Escrow payments of Property Taxes + Home Insurance + PMI from my mortgage payment immediately & ask Fay services to refund {$140.00} PMI for the month of XX/XX/year>. 

I have attached series of e-mail for your kind review. 

Thank you so much in advance for your help on this. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Bankruptcy Reporting by Equifax To Whom It May Concern, I am writing to seek your intervention concerning an issue with Equifaxs reporting of a bankruptcy case associated with my credit profile. Despite my successful dispute which clarifies that my bankruptcy was dismissed before discharge, Equifax has inaccurately verified this bankruptcy as reported. Below, XXXX detail the specifics of my case and seek assistance from the CFPB in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifaxs Reporting Status : Verified as reported Nature of Complaint : The bankruptcy in question was dismissed, meaning that the case was stopped before a discharge could be issued. This is critical as a dismissal should not reflect as negatively as a discharged bankruptcy on my credit report. The incorrect verification by Equifax has unjustly impacted my credit score and potential financial opportunities. 

Previous Attempts to Resolve : I have already engaged in the dispute process through Equifaxs prescribed channels, providing necessary documentation and following up through their customer service. Despite these efforts, the resolution remains unsatisfactory as the dismissal of my bankruptcy has not been accurately updated or removed. 

Requested Actions : A thorough re-investigation of the bankruptcy entry on my credit report. 
Correction of the entry to reflect the dismissal status of the bankruptcy. 
A detailed explanation of the verification process by which Equifax confirmed the incorrect status. 
Enclosures : Attached are copies of the dispute resolution from Equifax, documentation from the bankruptcy court confirming the dismissal, and correspondence with Equifax regarding this matter. 

I trust that the CFPB will assist in rectifying this significant error on my credit report and help ensure that such discrepancies do not recur. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
violation of XXXX XXXX compliance laws, which require that accurate information be reported to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : Credence Recource. Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : XXXX XXXX XXXX Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : XXXX XXXX Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : LVNV FUNDING LLC Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I routinely check my credit report, and everything was fine before, but suddenly, these discrepancies just appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors stayed. Im asking for a thorough review of the documents I sent so that I never have to worry about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HW Holding, Inc
State: SC

Complaint narrative:
Dont know nothing about this never living in North Carolina before Stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery called me after not calling me since XXXX. They called my father in Florida today and said " this is an attorney XXXX XXXX at XXXX and she will be filing legal action if she doesn't get a call NOW! 
I just received all 3 of credit reports, all I have is 2 from XXXX that I now found the proof that I paid the bill in XXXX and a judgement from somewhere I have no clue of what it is. 
A ladt named XXXX, called me 2 days ago, she stated she was from Portfolio Recovery and I told her I don't discuss on the phone and to send me anything she has in writing. Now they went and did a search and called my XXXX XXXX XXXX dad in Florida threatening me. They know full well that I have a new cell number bc she called me on it and I just put it on XXXX 3 days before the call came in. 
I have no idea what this debt is either because I have no information on any debt, except the XXXX which Idk how to send the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$16000.00XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My card got declined for a few transactions. 

Called in the customer support rep for more than 10 times on XX/XX/year>. 
Got placed on hold multiple times for more than 5minutes.

One of them went to the point of verifying the declined transactions. 
But they have very bad XXXX seems to have been hired in XXXX or XXXX. 

I am stuck with this card now and the window to do transactions for a bonus offer is ending soon.

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 2024-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to dispute this account I didnt open or authorize open in my name its is fraudulent and dispute the account as fraudulent unauthorized open and dispute the whole balance on it and the account number is XXXX so please dispute it for me and close the account out in yall office so yall cant try to collect from it again and send it back to XXXX  etc and send me all the updates to XXXX and XXXX XXXX XXXX XXXX PA XXXX 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 2024-10-25 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-25 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: GA

Complaint narrative:
Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX Amount : {$25000.00} Account number : XXXX Date opened : XX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified information on my report that is a result of identity theft. These accounts addresses and inquiries do not belong to me : Account : XXXX XXXX XXXX XXXX # XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation