vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DISCOVER BANK

Complaint narrative:
I am completely XXXX, my mother has been handling my account/affairs. My ex left me with a huge debt. She was only a co-signer on account. The other accounts are paid off. XXXX XXXX negotiated with Discover and I signed the XXXX XXXX XXXX XXXX. XXXX XXXX takes money out of my checking and payments are handled by XXXX XXXX XXXX. I paid {$8000.00} ( XXXX ) up front to show my seriousness towards getting this paid off. My debt was to be complete XXXX. XX/XX/year>, according to XXXX XXXX, Discover ( represented by XXXX XXXX XXXX ) stopped accepting payments. Discover/XXXX  wants XXXX full amount ( originally {$44000.00} ) The players in this fiasco are XXXX XXXX who promised to protect and get me through this process. XXXX XXXX collected my monthly payment and dispersed payments. XXXX was a legal group assigned to monitor and protect my file. XXXX XXXX, attorney in XXXX XXXX, Texas assigned to handle the lawsuit. I signed the XXXX XXXX promptly. XXXX XXXX was late in responding ; however Discover was accepting my payments ; the XXXX XXXX eventually was handed over. Payments were accepted until XX/XX/year> and out of the blue decides not to honor the agreement. I have done everything-EVERYTHING that was expected and I have not been protected by any of the parties involved. For awhile I was working with XXXX from XXXX XXXX. She assured me XXXX XXXX was accepting responsibility ; however she did not document these statements in the file and now she is on XXXX XXXX. I have no backup except phone calls are supposed to be recorded for " training purposes ''. XXXX was let go and XXXX XXXX replaced XXXX and XXXX XXXX. They are expecting me to accept the default situation and pay out the final monies. Over {$5000.00} has been taken out of my account to make up for XXXX. I am not liable for these dollar amounts as I kept up my end of the agreement. I have documents and a series of emails that I can provide. I can provide phone numbers, account numbers, and a lot of names that have not assisted me. Most people do not return calls. I contacted XXXX XXXX 's office and XXXX her office representative strived to find answers and she gave me this site. My mother handles my affairs, has dual POA, and is available anytime at the number given. I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
We purchased a home in XX/XX/year> for our new primary residence, it needed some interior work, COVID was still in full swing so there were permitting challenges, supply challenges etc. and so we weren't able to move in right away. 
Over the next 18 months, our mortgage was sold 3x with various paths of autopayments etc. During the transition between what turned out to be the last sale to the current servicer ; Carrington Mortgage Services and the previous servicer XXXX we paid the wrong mortgage owner through autopayments - XXXX, but set up all correct payments moving forward XXXX, XXXX XXXX etc. What we didn't realize from our statements was, Carrington was considering this XXXX payment as missed and instead of our monthly being the same as it had been- we needed to pay double one month to catch up from XXXX. This wasn't part of our auto-payment set up either. So as far as we knew, we were all caught up until our banking Credit alerts went crazy with a drop in scores. All previous servicers were e-comm but Carrington was sending letters to a house that was empty because COVID/interest rates/supply chain/ continued to hamper the remodel efforts. We immediately paid the difference and requested a review of the situation with letters, faxes etc to their remedy department to remove the late payment because we believe we were within out window granted by mortgage sale and we don't believe we were effectively notified by XXXX or Carrington.

Our credit score has been hammered by this one missed payment which we believe was paid in good faith and within the 90 day window. We would like it removed from our score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
when i was originally contacted by this company i asked them to send proof of debt they did not then they talked to my husband about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX {$1000.00} - Fraud Account not authorized by me XXXX XXXX  XXXX {$1100.00} - Fraud Account not authorized by me XXXX XXXX  XXXX $ XXXX Fraud Account not authorized by me XXXX XXXX XXXX-Open- XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX XXXXXXXX $ XXXXFraud Account not authorized by me XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX XXXXXXXX $ XXXX Account not authorized by me XXXX XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXXXXXX XXXX XXXXXXXX $ XXXX Fraud Account not authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writi

ng to formally dispute the validity of a collection account that has recently appeared on my credit report. The account in question is listed as 5058 with a current balance of {$470.00}, and it is negatively impacting my credit score. Upon reviewing my credit report, I discovered this account, which I believe to be fraudulent and inaccurately reported. I have never entered into any contractual agreement with Online Collections GRVL nor have I ever received any services or goods from them.

I am requesting a thorough investigation into this matter to verify the accuracy of the reported information. Please provide me with the following details : Verification of the debt, including the original creditor 's name and contact information.

Proof of any contractual agreement or documentation that supports the validity of this debt.

Documentation showing that the collection agency has the legal right to collect this debt.

Furthermore, I would like to bring to your attention that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information on my credit report. The presence of this fraudulent account is damaging my creditworthiness and could potentially affect my ability to obtain credit in the future.

I kindly request that this matter be resolved promptly. Please investigate this dispute and remove the fraudulent account from my credit report as soon as possible. I also request that you provide me with a written response detailing the results of your investigation. 



Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Incorrect information reported on my Credit Report based on USC 1681b

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
td bank closed my account, with the amount of {$12000.00}, and don't give me back my funds, i contact the bank and told me theta the funds are going back to ever gave me a check or XXXX payment etc..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 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: MD

Complaint narrative:
I am now requesting proof of the previous investigation from Experian. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX  account 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 2024-10-09 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I CONTACTED COURT OF RECORD WHO HAS INDICATED THAT THEY DO NOT SHOW A RECORD WITH MY NAME, ( PLEASE SEE ATTACHED ) I CONTACTED CREDIT BUREAUS WHO CLAIM THAT XXXX XXXX HOUSES THIS INFORMATION. 

DISPUTED WITH XXXX XXXX WHO SAYS THEY GOT INFORMATION FROM XXXX 

COURT SAYS THEY DON'T PROVIDE ANY INFO TO BUREAUS OR CREDIT REPORTING AGENCIES. 

XXXX NEEDS TO REMOVE FROM THIER FILES PER XXXX, AND FDCMA REQUIREMENTS DUE TO MY PRIVACY AND INACCURATE INFO REPORTING. 

PLEASE SEE ATTACHED 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I CONTACTED COURT OF RECORD WHO HAS INDICATED THAT THEY DO NOT SHOW A RECORD WITH MY NAME, ( PLEASE SEE ATTACHED ) I CONTACTED CREDIT BUREAUS WHO CLAIM THAT LEXIS NEXIS HOUSES THIS INFORMATION. 

DISPUTED WITH LEXIS NEXIS WHO SAYS THEY GOT INFORMATION FROM PACER. 

COURT SAYS THEY DON'T PROVIDE ANY INFO TO BUREAUS OR CREDIT REPORTING AGENCIES. 

XXXX NEEDS TO REMOVE FROM THIER FILES PER XXXX, AND FDCMA REQUIREMENTS DUE TO MY PRIVACY AND INACCURATE INFO REPORTING. 

PLEASE SEE ATTACHED RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

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 2024-10-09 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: OH

Complaint narrative:
I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: GA

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 : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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