vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I demand that you immediately cease employing stall tactics and take action to remove these inaccuracies from my credit report. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. 
That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you ou have violated my consumer rights as a federally protected consumer. 
Your credit reporting agency has been reporting inaccurate and incomplete information to my credit report. 
I am distressed that these referenced inaccurate accounts are on my credit profile. I want to emphasize that these inaccuracies have caused damage to my financial well-being. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report. There is not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. 
1 of 7 While these third-party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ), they may be liable for false reporting.

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 2024-11-19 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:
XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally notify you of your violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, your failure to take appropriate action after receiving my identity theft affidavit constitutes noncompliance with your statutory obligations. 

I submitted an identity theft affidavit regarding an account from XXXX XXXX XXXX, which I did not open or authorize. I also requested that the account be removed from my credit report in accordance with the FCRA, which provides explicit protections for victims of identity theft. Despite this, more than XXXX ( XXXX ) days have passed since you received my request, and the inaccurate information remains on my credit report. 

The address associated with this fraudulent account is not mine and has never been linked to me. My correct address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which is also reflected in my correspondence.

Relevant Legal Precedents and Obligations Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of any information identified as resulting from identity theft within four ( 4 ) business days of receiving : Proof of identity of the consumer.

A copy of the police report or identity theft affidavit.

A statement from the consumer identifying the fraudulent information.

Your failure to comply violates the FCRA and exposes you to legal liability. Courts have consistently held credit reporting agencies accountable for delays or failures in correcting reports based on identity theft : Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) emphasized the duty of credit reporting agencies to maintain accurate consumer reports and respond promptly to disputes.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) established that agencies have an obligation to conduct reasonable investigations into consumer disputes.

Demands To resolve this matter without legal action, I demand that you : Immediately remove the fraudulent Citi Cards CBNA account from my credit report.

Confirm the removal in writing within 10 days of receipt of this letter.

Provide me with a copy of my corrected credit report.

Failure to take corrective action will leave me no choice but to pursue legal remedies, including filing a lawsuit for statutory and punitive damages as allowed under the FCRA.

I expect your prompt attention to this matter. Please respond to me in writing at the address provided above. 

Sincerely 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NE

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 2024-11-19 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: GA

Complaint narrative:
I have a mortgage with XXXX XXXX, in XX/XX/XXXX, I fell on a hardship and requested assistance. In XXXX they approved me for a partial claim and deferred my payments for 3 months ( XXXX, XXXX and XXXX ). I resumed payments on a 3 month trial basis on XX/XX/XXXX, XXXX XXXX XXXX and received and returned the documents for the permanent modification mid XXXX. I have not missed a payment, yet they reported a missed payment in XXXX causing my XXXX XXXX to drop XXXX + points, I disputed and they removed it and added an erroneous note that said I made a partial payment. I received a credit alert on XX/XX/XXXX that said my account was 90 days past due which is inaccurate and that they had not received my XXXX payment which was paid on XX/XX/XXXX. I have not missed nor been late on a payment ever. This resulted in my score dropping another XXXX points and has caused long time creditors to close some of my accounts. I contacted them and they said they made a mistake and applied it to XXXX ( which I was in deferment status at that time ) so another mistake on their part. I have every letter that they sent after correcting their mistakes but this last incident, I have disputed and have not received an update. I want the incorrect info of 90 days past due removed and my credit restored.

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 2024-11-19 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: NE

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I didn't receive any mail saying foreclosure was going to be filed if I didn't bring up to date by a certain day. I had submitted for refinance but credit score is too low. I then asked for repayment plan several times. However everything s through the portal and if I don't go check daily then I don't know if there's messages. I requested and it's still pending review. Just recently got email through portal saying repayment plan not available. Though I tried calling and I guess was calling the wrong point person. The issue is they don't answer the emails. They don't send to the email on file. I got a message saying they were sending to an email I never had. 

I started loan modification XX/XX/XXXX even though I had to resubmit the application on XX/XX/XXXX. XXXX XXXX claimed to have called about payment plan on XXXX but never got a message. And she doesn't send regular mail. Think she was sending to a wrong email I never had. 

I got Foreclosure papers on XX/XX/XXXX. I never received any mail saying I needed to pay by certain date or foreclosure proceedings would start. 

My point person is not very good at communication. Never send anything by mail or to my email only through the portal. 

I was in the XXXX XXXX XXXXXXXX and then had XXXX XXXX for an XXXX 

Never received an attached plan as she said she 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been getting calls and text messages for the past year from Midland Credit Management. They text from a XXXX digit number or call from random numbers and call multiple times I contacted them because I saw the collection notice on my credit report. They couldnt find my name at first. Then they asked for my maiden name and was able to pull up an account and account balance that I never heard of. 

I had this same issue back in XXXX  when I was sent a XXXX XXXX  XXXX  that I didnt request. I had to freeze all my credit accounts and when I attempted to get a police report. My police district said the creditor needs to reach out which they never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-11-19 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am a victim of identity theft through Equifax Data Breach and several others the following inquiries listed in this report below and in my identity theft report which is attached are all fraudulent. 

Fraudulent Equifax XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

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 USC 1681.

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 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 to any 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
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: CA

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 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
There are inaccurate reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a missed payments is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a closed. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

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 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX CT XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXX, IN XXXX XX/XX/XXXX {$6000.00}

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