vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: OK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: OK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX 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 2023-09-07 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C System has placed me under collections for an account that I have no knowledge of. 
I am requesting a formal letter be sent to my address at the very minimum including an original invoice, description of charges and anything else relative to this case that supportd my alleged debt. I have had a lifestorage unit in the past, nearly 1 year ago but have opted to sell all of the belongings in the unit in order to cover that months lease payment and closed my account with them at a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: MO

Complaint narrative:
I am writing to formally dispute and express my deep concern regarding the continuous reporting of inaccurate addresses and fraudulent inquiries on my credit report. I have previously brought these issues to your attention, but despite my previous efforts, these inaccuracies persist. I kindly request your immediate attention and resolution of the matter. I have noticed that my credit report includes multiple inaccurate addresses that I have never resided at or had any association with. These inaccuracies raise concerns about the integrity and accuracy of my credit report. I request that these inaccurate addresses be removed from my credit report as they do not accurately reflect my residential history. The presence of these addresses on my report may potentially impact my creditworthiness and cause confusion for potential creditors. I have identified inquiries made by companies or institutions that I have not authorized or initiated. These inquiries are fraudulent and unauthorized. They raise concerns about potential identity theft or fraudulent credit applications in my name. I request that these fraudulent inquiries be promptly removed from my credit report to prevent any further damage to my creditworthiness and to protect against potential identity theft. 

I have previously provided documentation supporting my claims and have not received a satisfactory resolution. I trust that your bureau will address these issues promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The continuous reporting of these inaccuracies and fraudulent activities seriously jeopardizes my credit profile and financial security. 

Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the necessary corrections have been made. The following items are such in inaccuracies that are needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
On XX/XX/23 Roundpoint Mortgage Servicing LLC issued a refund for the amount of {$160.00} from the escrow account attached to my mortgage. 

On XX/XX/2023 the escrow check was deposited into my checking account. 

On XX/XX/2023 the check was returned as unpaid by my bank, marked as Non Sufficient Funds ( NSF ) and the complete amount of the original escrow check was withdrawn from my bank account ( {$160.00} ). The bank also charged a {$10.00} fee for the returned check. 

On XX/XX/2023 I sent a Error Resolution Notice to Roundpoint Mortgage Servicing LLC under 12 C.F.R. 1024.35 notifying them the check had been returned as NSF and requested reimbursement for the returned check fee. 

As of XX/XX/2023 they have not acknowledged or responded to my Notice of Error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company XXXX XXXX sold my loan to. Reel time Llc. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: TN

Complaint narrative:
Transunion is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX to paid as agreed and yet they continue to violate the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX unauthorized on XX/XX/XXXX, XXXX did not respond XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX not respond XXXX & XXXX XXXX XXXX XXXX inquiry- XX/XX/XXXX XXXX XXXXdid not respond XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX company unreachable to remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not respond XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX-unauthorized inquiry- did not respond XXXXXXXX XXXX XXXX XXXX, XXXX unauthorized/unknown inquiry-did not remove inquiry XXXX XXXX- XX/XX/XXXX, XXXXunauthorized inquiry- did not remove XXXX XXXX-XXXX XXXXXXXX, XXXX unauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXX XXXX XXXXunauthorized/unknown inquiry-did not remove XXXX XXXX XXXXXXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX- XX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not remove XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX & XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX & XXXX XXXX XXXX XXXX, XXXXunauthorized inquiry-did not remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: WA

Complaint narrative:
After reviewing my credit report, i have noticed that there are many discrepancies on my credit report. 

The FCRA states that i must be provided verification of the debt any company reporting information on name. 

A statement is not sufficient to prove a debt belongs to an individual. In todays time, when there can be personal information leaked on the internet m, it is very possible for a person to be victim to cyber crimes. 

I have been contacting the credit reporting agencies as well ss the creditors who are reporting information on my name. In trying to explain that therr have been multiple accounts reporting on my credit that i have no knowledge of, it seems as though any documentation requested from me that i send, is never sufficient. 

I need the CFPBs help in contacting the listed creditors below and notify them that if they do not provide me with the contract that i supposedly had with the origingal creditor with my signature, then they must delete this account from my credit report. 

XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$8800.00} XXXX XX/XX/XXXX {$670.00} XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} ( Original Creditor : XXXX ) XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NY

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to {$62.00} in the month of XXXX, payment as per my XXXX statement. I paid XXXX XXXX through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them {$10.00}. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.

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