vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
Subject : Debt Validation Request Dear KIKOFF LENDING LLC I am writing to formally request validation of the debt referenced in your records under account number [ XXXX ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest. 
2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I am writing to express my concern regarding the BANKRUPTCY reporting on my credit report, and unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items and unauthorized and fraudulent inquiries from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-07 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: GA

Complaint narrative:
I am writing to express my concern regarding the BANKRUPTCY reporting on my credit report, and unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items and unauthorized and fraudulent inquiries from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-07 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: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Please unblock my Equifax account and send me a credit report. my drivers license and utility bill is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: PA

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. Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

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 explanation
Consumer complaint received 2024-11-07 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: PA

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. Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 explanation
Consumer complaint received 2024-11-07 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: AL

Complaint narrative:
on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has almost been 60 days so they should be promptly. I demand these accounts to be deleted immediately or I will file for litigations due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2024-11-07 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: OH

Complaint narrative:
I am requesting immediate assistance in removing these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
RE : Debt Validation Request Pursuant to FDCPA I am writing to formally request validation of the alleged debt referenced in your recent communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under the FDCPA, I am entitled to dispute the validity of this debt and request proof of your right to collect on it. I ask for complete validation and verification in accordance with federal laws, as well as the Uniform Commercial Code ( UCC ), which regulates the transfer of debt obligations.

Please provide the following documentation to support your claim : Verification of the debt amount, including an itemized statement of the original principal, interest, fees, and any other charges ; Documentation of the original creditors name and address, including proof of any transfer or assignment of this debt to your agency, as required to verify your authority to collect on this debt ; Copies of any contract or agreement evidencing my obligation to pay this debt to the original creditor ; Proof of compliance with state and federal laws, including proof of your licensing to collect debts in my state and assurance of compliance with the Real Party in Interest doctrine. 
Additionally, I am aware of my rights under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), which clarifies that debt collectorsincluding attorneysare subject to FDCPA requirements. Under this ruling, all communications must be free of misleading or deceptive claims about the debt.

Please also note that the Uniform Commercial Code ( UCC ) 9-404 provides me the right to assert defenses against an assignee, should the original debt not have been properly validated before its transfer. Therefore, I request complete documentation of the chain of title for this debt, confirming that you are the rightful owner and real party in interest w

ith the authority to pursue this collection. Further, the Consumer Financial Protection Bureaus Regulation F ( 2021 ) stipulates that debt buyers must provide sufficient verification of a debt and details regarding consumer rights. If your agency can not provide this verification, I expect that all collection activities on this matter will cease immediately and that you will correct any entries on my credit reports accordingly. 

If you can not substantiate this debt with the requested documentation, please discontinue any further communication regarding this matter. 

Thank you for your attention and cooperation in addressing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
They have my money into a savings account being sweat from three different banks and bancorps supposed to be their Bank why are they using three other Banks of sweep my account money to other places I don't get it I'll make an allegations against them that they know what they're doing my money they're acting like they don't I've been on hold several times for over XXXX hours and hung up on never even know kind of explanation to anything also when I make a report about a fraudulent claim or something being done in my account all they do is just ask me a serious as XXXX questions and then XXXX not even an hour maybe XXXX later they tell me a denial letter so honestly I believe they're doing some foul stuff with this sweeps account stuff they're doing sweeping accounts so please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: RI

Complaint narrative:
For several years I have been trying to erase the bankruptcy from my credit report, I have sent multiple letters with the necessary evidence to erase this bankruptcy from my credit file to XXXX and Transunion and they do not pay attention to me. It is bankruptcy. It was dismissed. It never happened, but a judge I stayed at the table I went to the bankruptcy court and asked if they sent any information and they told me that no, they do not report to the credit bureau separately, it was a dismissal.

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 2024-11-07 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: MN

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my vehicle was stolen and I filed a police report. In XXXX of this year, I was advised by XXXX, the company that financed my vehicle, not to make any further payments. They assured me that this would not affect my credit. However, in XXXX of this year when I applied for a loan to start a business, I discovered that I had derogatory late payments on my credit report from XXXX. When I contacted XXXX in late XXXX, they indicated that they did not report me to the credit bureaus. I called back the same day and another service person from XXXX indicated that they did report me to the credit bureaus. They stated would remove the derogatory late payments, as they were the ones that advised me not to make any further payments because my vehicle was stolen. When I check my credit report again in XXXX of this year, derogatory late payments were still on my credit report. When I requested a transcript of the call to verify that they ( XXXX ) would remove the derogatory late payments, they stated that they would send the transcript, but they have not sent the transcript or have not follow-up or communicated with me. This is affecting my ability to get loans or credit.

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 2024-11-07 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: MN

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my vehicle was stolen and I filed a police report. In XXXX of this year, I was advised by XXXX, the company that financed my vehicle, not to make any further payments. They assured me that this would not affect my credit. However, in XXXX of this year when I applied for a loan to start a business, I discovered that I had derogatory late payments on my credit report from XXXX. When I contacted XXXX in late XXXX, they indicated that they did not report me to the credit bureaus. I called back the same day and another service person from XXXX indicated that they did report me to the credit bureaus. They stated would remove the derogatory late payments, as they were the ones that advised me not to make any further payments because my vehicle was stolen. When I check my credit report again in XXXX of this year, derogatory late payments were still on my credit report. When I requested a transcript of the call to verify that they ( XXXX ) would remove the derogatory late payments, they stated that they would send the transcript, but they have not sent the transcript or have not follow-up or communicated with me. This is affecting my ability to get loans or credit.

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 2024-11-07 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: TX

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete the following items : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
I assumed a XXXX XXXX in XX/XX/XXXX. I was approved for assumption on the XXXX and closed the following week. 

Part of the assumption process required me to pre-pay for a years worth of home owners insurance which I did with XXXX. 

On XX/XX/XXXX XXXX XXXXXXXX XXXX paid the old mortgage owner 's insurance companies ( XXXX ) {$3300.00}. There was a notation on the account to not pay XXXX ( confirmed by a XXXX XXXX representative ). 

This put my escrow account significantly in the negative and resulted in an approximately 50 % increase in monthly mortgage payments. 

I was not able to begin investigating the situation until XX/XX/XXXX. After XXXX phone calls and a few emails, it was confirmed that XXXX XXXX paid the old insurance company in XXXX. It was said that they would request a refund and the process would take 20 days. 

I called again on XX/XX/XXXX, and I was told that the request had not been filed. At that point I asked them to ensure they filed the request. I called again on XX/XX/XXXX to ensure that the request had been filed. I was told that it had and the refund would be processed 30 days from XX/XX/XXXX. 

I called again on XX/XX/XXXX. XXXX XXXX has now explained that they are not able to refund my account. XXXX would only repay the old mortgage holder. 

I explained that XXXX XXXX was the institution that made the mis-payment in my account and they were responsible for fixing it. 

Planet Home Lending is now refusing to refund the mis-payment they made to my account saying that only the prior account holder can refund it. I do not have their contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
I am writing to request the removal of specific unauthorized accounts and inquiries on my credit report due to a recent data breach that exposed my personal information. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report : Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation