vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS COMPLAINT IS FOR CARD ENDING IN XXXX AND IS DIFFERENT THAN OTHER COMPLAINTS FILED WITH THE CFPB AGAINST BANK OF AMERICA. 

I am writing to lodge a formal complaint regarding my recent experiences with Bank of America. I have been a Bank of America credit card holder for several years, and I have always strived to keep my account in good standing. Unfortunately, my financial situation has been deteriorating quickly, and all my hopes and attempts at holding my finances together are exhausted. A combination of a rapidly increasing cost of living, an increase in card interest rates, and a significant reduction in my income has caused me to be on the brink of a financial collapse and default on all my credit obligations. This is the last thing I want to do, but I have nearly {$100000.00} in unsecured credit debts and my resources have dwindled. 

In an effort to manage my debt responsibly, I contacted all of my credit card providers to explain my situation. All these institutions have offered me a workable solution : the option to close my accounts and repay the existing balances over 60 months at a 0 % APR with no additional fees. This arrangement has provided much-needed relief and a long term sustainable way to resolve my debts in a manageable way, without defaulting or falling delinquent, or bankruptcy. 

However, when I reached out to Bank of America with the same request, ( three times now ) I was informed that I should work instead with debt consolidator credit company. I reached out to several of those companies but there plan seemed like a financial catastrophe waiting to happen. While I appreciate any assistance available during this difficult time, it seems unfair and inconsistent that Bank of America is not extending a similar in-house hardship arrangementone that other financial institutions have readily offered me. 

I am simply seeking an arrangement that allows me to offer the same or similar solution, which is a long term re-organization of my debt that allows for a sustainable way out of this enourmous debt burden I am in.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
HS Financial Group has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose HS Financial Group business practice. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
After reviewing my credit report I Noticed a fraudulent account on my report per following XXXX XXXX XX/XX/year> account number 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 2024-12-30 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: NJ

Complaint narrative:
After reviewing my credit report I Noticed a fraudulent account on my report per following XXXX XXXX  XX/XX/2023 account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2024, I sent certified dispute letters to XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX XXXXXXXX, regarding medical collection accounts that have been improperly reported on my credit report. These accounts include the following : Amount : {$670.00} Date Opened : XX/XX/2024 Status : Collection/Charge-off Despite my formal dispute and the accompanying documentation, these accounts remain on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting agency and the collection agency to validate the debt and investigate disputes promptly. 

Additionally, this medical collection involves sensitive information protected under the Health Insurance Portability and Accountability Act ( HIPAA ). No authorization has been provided for the disclosure of my medical debt to third parties or the inclusion of this information in credit reports, which constitutes a breach of my protected health information rights under HIPAA. 

Furthermore, my personal information has been sold without my consent to third-party entities for the purpose of collection. This unauthorized sale of my information is illegal and has resulted in identity theft. I have filed an identity theft affidavit and dispute claims with the credit bureaus, but the collection accounts have not been removed. 

Actions Taken : On XX/XX/2024, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and the original creditor. 
I filed identity theft affidavits to address the misuse of my personal information. 
Despite these efforts, the collection remains on my report, and no resolution has been provided. 
Impact : These actions have caused significant harm, including damage to my credit score and the unauthorized exposure of my private medical information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX  XXXX, regarding medical collection accounts that have been improperly reported on my credit report. These accounts include the following : Amount : {$670.00} Date Opened : XX/XX/year> Status : Collection/Charge-off Despite my formal dispute and the accompanying documentation, these accounts remain on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting agency and the collection agency to validate the debt and investigate disputes promptly. 

Additionally, this medical collection involves sensitive information protected under the Health Insurance Portability and Accountability Act ( HIPAA ). No authorization has been provided for the disclosure of my medical debt to third parties or the inclusion of this information in credit reports, which constitutes a breach of my protected health information rights under HIPAA. 

Furthermore, my personal information has been sold without my consent to third-party entities for the purpose of collection. This unauthorized sale of my information is illegal and has resulted in identity theft. I have filed an identity theft affidavit and dispute claims with the credit bureaus, but the collection accounts have not been removed. 

Actions Taken : On XX/XX/year>, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and the original creditor. 
I filed identity theft affidavits to address the misuse of my personal information. 
Despite these efforts, the collection remains on my report, and no resolution has been provided. 
Impact : These actions have caused significant harm, including damage to my credit score and the unauthorized exposure of my private medical information.

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 2024-12-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
I am filing a complaint against United Wholesale Mortgage Company for Practices of Unfair, Deceptive & abusive Acts committed against me. 
In the summer of XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I requested a forebearance from United Wholesale Mortgage ( UWM ) for 6 months under the government 's Covid forebearance guidelines. XXXX used deceptive practices in telling me that when the 6 month deferrment period ended that the amount in arrears would be added to the back end of the mortgage.However on XX/XX/XXXX of XXXX, I was informed by UWM that I would need to paythe 6 months payments in arrears, all at once or face penalties & foreclosure. I tried to negotiate a repayment plan & paid {$23000.00} in XX/XX/XXXX, {$13000.00} in XX/XX/XXXX, & another {$13000.00} in XX/XX/XXXX. Then the customer service informed me that they needed 4 more payments of {$13000.00} for the next 4 months. 
This was again deceptive practices because I was told only 3 months not 6 months of repayments. I requested Loan modification documents various times & submitted with all back up documents a loan modification & the lender never responded. In XX/XX/XXXX the lender hired attorneys & commenced foreclosure process. Ihad to protect myself under federal bankruptcy laws & filed a XXXX  XXXX bankruptcy. Ive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX & have been struggling ever since to make ends meet. I need help in intervening with these lenders to stop the foreclosure & work together on a loan modification please. This is my forever home and my family of XXXX lives here. 
trying to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. I request the immediate blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and must be removed : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$42000.00} XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$240.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$90.00} XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. I request the immediate blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and must be removed : Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$42000.00} XXXX - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$90.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} Inquiries : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/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 2024-12-30 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I am writing to formally request the deletion and blocking of the accounts listed below, which have been compromised due to a data breach. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all accounts listed be blocked and deleted from my credit file. 
The accounts in question are : XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$26000.00} XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$760.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-30 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: TX

Complaint narrative:
Good afternoon, All of my information was recently exposed in a data breach. According to 15USC 1681, I have the right to privacy. This data breach exposed all of my information including but not limited to sharing my charge offs with companies, bankruptcy, and all derogatory information all of which should have been deleted in 2021. However, this is still reporting and preventing my score to increase. 
Please check that this is removed especially since my information was exposed in this breach. 
Thank 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 2024-12-30 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: TX

Complaint narrative:
Good afternoon, All of my information was recently exposed in a data breach. According to 15USC 1681, I have the right to privacy. This data breach exposed all of my information including but not limited to sharing my charge offs with companies, bankruptcy, and all derogatory information all of which should have been deleted in 2021. However, this is still reporting and preventing my score to increase. 
Please check that this is removed especially since my information was exposed in this breach. 
Thank 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 explanation