vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, My name is XXXX XXXX XXXX, I have tried contacting XXXX and Trans Union and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To XXXX and Trans Union of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. XXXX has not changed my name with 2 Main Government Identifications. There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for Several Years now. 

CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Only Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. 

Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have attempted for SEVERAL months for Equifax to correct the reporting of an inaccurate collection on my report. They have only sent me information stating the collection was verified and when I requested validation from both the collection agency and Equifax I have been ignored ( FCRA violatiion ) and information updated. 
They are reporting the collection as an open account ; which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed from my account immediately. 
This account is also in violation of the No Surprises Act. Also ; effective XXXX XXXX XXXX are not be be a part of a consumers credit report. 
The collection is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is in response to complaint XXXX. Equifax replied to my complaint by asking me to send them a letter of my dispute and proof of identity because they do not believe I am the one submitting the complaint. I have tried to get these inaccurate inquiries removed for the longest, I have even submitted a ftc complaint and yet Equifax is using stall tactics. The complaint had the letter attached that was sent to you months ago with no response, so I will not be sending it again for you to ignore me. I will attach it here once again with the ftc report and proof of identity so that you can no longer stall. After this last attempt I will be seeking legal action being that I have proof of me trying to get this resolved time and time again. For verification purposes, my new address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Before this address, my address was XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Immediately remove the unauthorized inquiries or I will be seeking {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried contacting Equifax several times regarding some accounts that are on my credit report that are not mine. They usually come back with the answer " Verified '' which makes no sense for these accounts belong to a different named individual. However my middle name and last are similar which XXXX be the mistake everyone is over looking. 

My name is XXXX XXXX XXXX, and these accounts that XXXX aware of at this time so far are under the name of a XXXX XXXX XXXX which is obviously not me, I have attached my XXXX Main Government Id 's which are my Social Security and Drivers License both with my Correct name on them. 

Please remove these accounts as soon as possible for it is hurting my consumer report and I am unable to move forward into a home with my family. 

XXXX ) XXXX Bank Account # XXXX XXXX ) XXXX XXXX Account # XXXX Also there seems to be a Fraud Statement on my credit report that I did not Authorize. Please remove that statement for I made no such statement. I will be going through more accounts to see if there are other errors. Meanwhile please remove the above accounts that do not belong to me. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
So back in XXXX of 2022 we were coming out of forbearance. Upon getting everything ready to restart payments we were offered 2 options. Option 1 was an increase in our interest rate ( 6 % ) and our payments would move up {$300.00}. The second option was to keep our interest rate the same ( 2.25 % ) and resume our normal payments which were {$300.00} lower. I declined option 1 because it didn't make sense to choose over the second option. The Representative at Freedom Mortgage let me know option 1 was declined and that they would be rushing option 2 's paperwork out to us. Once we received the paperwork, we contacted a mobile notary and had the paperwork signed. About a week later I received a second packet in the mail. I called Freedom Morgage right away to make sure I hadn't made a mistake. The representative assured me that the 2nd packet that was sent to me was the same packet as the first one and assured me of the agreed interest rate and payment. Come XXXX I went to log into my account to pay my mortgage and noticed I was a month behind, and my interest rate was at 6 %. Freedom Mortgage told me that a mistake had occurred on their end by sending me the wrong paperwork and they would escalate the situation. I continued to check up on this for around 4-5weeks. Eventually a manager told me to fill out the old 2.25 interest rate paperwork and they would try and have underwriting adjust the start date ( since it had passed ) Underwriting then told them they can't do that and that they would need to send me new paperwork out. So, they went to re-do the paperwork, a few weeks later, they called me to tell me I was approved again, for a 6 % interest rate. We are now back in escalations with Freedom Mortgage and have been told its going to be very hard to turn around. I do have a litigation attorney on standby.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX has sold a debt to two separate companies, that have both reported to the credit bureau 's and negatively affected my scores. I did not receive a debt verification letter from either collection company at all, or within 5 days of first contact. I am attaching proof of the DOUBLE REPORTING that entails the name of one of the companies, Credence Resource Management. Please have them remove the collection account from my credit report and cease all attempts to communicate with me. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

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 non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the FCRA the following are in clear violation to my rights as a consumer : XXXX Confirmation # XXXX - Verified information XXXX Report Number XXXX - initiated XX/XX/XXXX date returned XXXX XX/XX/XXXX 1. I have placed a security freeze on all secondary bureaus : 2. I have asked telephonically and via the bureaus ' website that they, the credit bureau, provide me with their method of verification and they have not replied nor provided their investigation Method of Verification which includes as per FCRA : Name of original creditor Creditor 's address Documentation used to verify the dispute I have requested this information so that I know the investigation was in fact properly conducted. I have requested the documentation be submitted to me in a timely manner which the bureaus have not done so. 

XXXX XXXX # xxxxxxxxxxxx XXXX Close date XX/XX/XXXX showing a balance of {$3000.00} XXXX # XXXX XXXX - This account is showing closed with a balance of {$100.00} These bureaus are reporting the collection and closed accounts as a CLOSED ACCOUNT WITH BALANCE. Since the bureaus have NOT furnished any investigation and the fact being that ALL the secondary bureaus : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX I have little to NO idea where the bureaus are verifying the information. 

15 USC 1681 Sect 602A : I, the consumer, have the right to privacy 15 USC 1681 Sect 604A Section 2 : can not furnish or display my account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose FCRA Section 609 ( A ) ( 1 ) - Closed accounts still reported and balance open, as well as, request for validation of debt which has not been provided - a clear violation 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. This was NOT done as I had requested.

On the bureaus ' websites, there is no equitable way to submit a dispute ( see evident uploaded )

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX 's customer service to reserve a hotel room in XXXX XXXX for XX/XX/XXXX. The customer service representative asked if I would like to open a credit card and I explicitly said " NO ''. A few weeks later I received a credit card in the mail. Initially I thought it was just a rewards card until I checked my credit report on XX/XX/XXXX and saw that a XXXX 's XXXX was issued by Comenity Bank on XX/XX/XXXX. I did not apply for or agree to receive this credit card and am very concerned that it is now on my credit report. I have never used the card nor do I plan to. I have contacted the issuing bank and asked that the card be closed and that the card be removed from my credit history and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. LVNV FUNDING LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
And XXXX I received a letter from the IRS stating that I owe to them almost {$10000.00} in taxes for a vehicle purchase through Wells Fargo financing. This vehicle was purchased as a joint vehicle however win the 1099 seas were distributed we were divorced they sent a 1099 to my ex-husband For the amount of {$24000.00} and they sent one to me as well in the amount of {$24000.00} saying that both of us owed taxes on {$24000.00} The total cash price for the vehicle according to the credit application is {$26000.00} When you add those together that is almost {$49000.00} so both of us were required to pay taxes for {$24000.00} when the vehicle was only {$26000.00} we asked them if they could send us 1099 cc with the corrected amount because technically we should be splitting the cost of the vehicle and they refused. They said that was not something that they did even though we were no longer married. They said that we should just be able to ask our tax professional to split it the IRS said no you can not do that. The IRS said that we both must pay taxes as the 1099 sees state that we should because that is what Wells Fargo reported I am still in debt with the IRS due to the fact that Wells Fargo refused to split the balance of the vehicle between both of us when I told the IRS that we would end up paying almost {$20000.00} in regards to this debt and that Wells Fargo was reporting fraudulent information they did not care Wells Fargo was very hesitant and not compliant and sending me documentation of the debt when I asked them to it took them about a year to do so.

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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
As per Section 609, I am entitled to see the source of the information, which is the orignal contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am absolutely sick & XXXX tired of seeing the same, unchanged collection account reported month after month after month, dispute after dispute after dispute. Every time they say that its validated and I'm here to tell you that it is not, this is XXXX XXXX! XXXX, Equifax XXXX XXXX you're all liable for this too. If you'd do your jobs and complete a thorough investigation the 1st, 2nd, XXXX any time I dispute something, but no that's too much work, XXXX, it's like pulling teeth with all of you. Mentally, I am pretty XXXX far from okay. This is my life! Ya 'll tarnish my name and stomp on my rights. I am an American Consumer and I know my rights, the XXXX  stops here ya 'll, and I'm done playing this game. Consider this your last & final warning before I file a complaint with the XXXX XXXX account : XXXX XXXX  # XXXX XXXX XXXX, Look, I've got you checked, mates ; I've got all the proof I need to easily win. I'm not just asking for the minimum here either. I will seek emotional damages as well. I'm a XXXX  well rehearsed in consumer law and I am not playing around with this game anymore. I will file the complaint in U.S. District myself, and I will demand a jury trial. I'm filing this complaint at XXXX, Wednesday evening of XX/XX/2023. Just remove the account and I won't proceed with filing a case. XXXX, Equifax, and XXXX This is on you too. Don't think I haven't been building separate files of violations from you too. XXXX. CFPB- please feel free to pass to whoever, AG , FTC whomever. I'm keeping a copy for my own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My attorney contacted XXXX XXXX XXXX  / LVNV Funding on XX/XX/2023, regarding an outstanding balance of {$640.00}. My attorney requested the original contract, bill history, and interest paid. They only provide the last billing payment cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX  know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX  I called the XXXX concerning this several times. There was a balance due after I notified XXXX XXXX of my XXXX  enrollment status. I received a notice from my XXXX loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX XXXX XXXX nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX anything. I do not owe XXXX XXXX XXXX  anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX  loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to XXXX, Transunion and 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