vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Personal Information under XXXX XXXX Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. **Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) 2. **Addresses : ** : XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX & XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per XXXX XXXX guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of XXXXSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXXXXXX  -- -

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 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has XXXX  on it Heres the account number Account Name - XXXX  XXXX Open date - XXXX Account name XXXX  XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system

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 2024-09-25 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: IL

Complaint narrative:
Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has XXXX  on it Heres the account number Account Name - XXXX  XXXX Open date - XXXX Account name XXXX  XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has Sr on it Heres the account number Account Name - XXXX XXXXXXXX Open date - XXXX Account name XXXX XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA XXXX5 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system

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 2024-09-25 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: FL

Complaint narrative:
I was completely blindsided when I saw inaccurate accounts pop up on my credit report this morning, and I have no idea how this happened. I check my report often, but these discrepancies appeared out of nowhere. I refreshed my browser hoping it was just a tech issue, but the incorrect accounts stayed there. This is why I am urgently asking for my documents to be reviewed so I can finally put this worry behind me.

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 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
On XXXX XXXXXXXX XXXX I sold my home in which Freedom Mortgage was my lender. Property address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On this date the title company wired full payoff to Freedom Mortgage Corp ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I have received all payoff docs but have not received my escrow balance in excess of {$4500.00}. I have contacted them multiple times without resolution. On the last call I was instructed I could call back on XX/XX/XXXX and ask for a stop payment on my refund and have them issue another refund. The stop payment would take 2-3 more weeks and then another 2 weeks to process a new payment. Lastly, they then instructed me they are allowed 14 more business days to mail. This would extend my refund of escrow to 4-5 Months after I paid the Mortgage in full. I do not believe they have even processed my escrow refund. They were unable to provide any data other that a refund was requested. 

I need help in getting my funds back to me.

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 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My first step was to check the website/app and I found " Close account '' on the mobile app and on the web, however I was directed to a page that required closing PayPal Credit before closing Paypal. When I selected that link, it took me to a page with a Customer service phone number. I had to manually enter the phone because the link with " Call '' did not work. When I called the number on my cell phone, it was an automated system that required some identity information and finally put me into a queue for Paypal Credit. I had to go through the second repetition of giving the same information and I was placed on hold to speak to a representative. The representative I spoke with stated she would close Paypal Credit because I had no balance nor pending transactions but I would have to wait XXXX days and then call back to see if the account was closed and then I could repeat the same actions with Paypal to close that account. Three days later, I went back through the process above and I was told by a representative that Paypal Credit was not closed and she had no explanation. She was not very helpful so I went back to the mobile app and chatted with a virtual assistant who said the Paypal Credit had been closed, but when I tried to close Paypal I was denied again indicating that I needed to speak with a representative. This same scenario was repeated over that day and the following two days. The virtual assistant stated on a second day that the account was closed, but now some of the human assistants said it was closed and some said it was not. They gave me a phone number to XXXXXXXX XXXX, stating they would have to close it, but that failed because it was not the bank 's phone number but Paypal credit once again. They transferred me to Paypal on one phone call but they stated that they checked and Paypal Credit had still not been closed. The last person I spoke with at Paypal Credit stated she would try to do it herself and then close Paypal but I would just have to wait another XXXX hours and check back. I got the impression that Paypal does not wish to close accounts and created steps that prevent closure and leave the customer with only two solutions, one being give up and the other is to file a complaint. I have spent four business days attempting to do everything required with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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 am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
BMW Financial has on my credit reports with all 3 Credit Bureaus Paid as agrred ) XXXX per month for 62 months I did not make payments no 62 months to BMW Financial The car was paid off in 1 year and half not 62 months as to late payment showed and errors in BMW reporting information. 

XXXX  there was a call to BMW to delay A payment during covid due to my account was hack and was told that it would be no problem on the call. 

Rep did not provide no confirmation number all she said it be no problem due to the proble, By XXXX credit report Info is wrong submitted by BMW Financial paid monthly for 62 payments the car was paid off in 1 year in half not 62 moths as showing on my credit report for XXXX XXXX. 

BMW Financial Services has incorrect info on all 3 credit reports as to pay off and not no 62 months was the car paid on 1 year and half and paid off BMW F Services has a reporting error on all 3 credit information not accurate by there reporting as showing loan paid off in the months of 1 year and half not 62 months. 

It appears BMW got mad when paying them off early of the car 1 year and half.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I noted some inquiries on my XXXX report that i did not authorize. I reached out to XXXX on these inquiries and they requested me to contact the companies involved of which i did with no resolution. I reached out to XXXX again who requested that a file a complain with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt you have reported to the credit bureaus under the above-referenced account number. I have noticed that LVNV Funding LLC has been reporting this account on my credit report since XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain proof of the debt you claim I owe. Please provide the following information : The amount of the debt and an itemized statement of the balance. 
The name of the original creditor. 
Documentation verifying that LVNV Funding LLC has the legal right to collect this debt. 
A detailed history of payments, credits, and fees applied to this account. 
XXXX that this debt has not been previously satisfied or settled. 
Please be advised that until proper validation of this debt is provided, I request that any further attempts to collect be ceased. Additionally, I ask that you correct any information related to this debt that is being reported inaccurately on my credit report. 

I appreciate your prompt attention to this matter. Please provide the requested documentation at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX$30000.00}, XXXX balance {$390.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX balance {$1000.00}, XXXX XXXX balance {$30000.00}, XXXX balance {$390.00}.

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 2024-09-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-09-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief