vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: TN

Complaint narrative:
Subject : Request for Deletion of XXXX XXXX  and XXXX Accounts Dear Experian Dispute Department, I am writing to dispute the continued reporting of the following accounts on my Experian credit report. These accounts have been recently deleted by XXXX, which verified inaccuracies during their investigation. I request that Experian conduct a similar investigation and remove these accounts promptly. 

Accounts to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute The accounts listed above contain inaccurate and unverifiable information. XXXX deleted these accounts after determining they could not be verified. As mandated under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), credit bureaus are required to maintain accurate and verifiable information on consumer reports.

Requested Actions 1. Conduct a thorough reinvestigation of the listed accounts.

2. Remove these accounts from my credit report if they can not be verified.

Supporting Documentation 1. A copy of XXXX confirmation of deletions.

2. My identification documents ( drivers license and proof of address ).

Your Responsibility Under FCRA 1681i ( a ), you are required to conduct a reinvestigation and provide a resolution within 30 days. If the accounts can not be verified, they must be deleted immediately. 

Thank you for addressing this matter promptly. I look forward to your confirmation of the deletions. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
SEE ATTACHMENT AND HAVE THE ACCOUNTS DELETE ASAP. 

AUTO LOAN- ( XXXX ) XXXX PERSONAL LOAN ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I want to pay off my mortgage. I owe roughly $ XXXX. I have always been with banks and I could request a payoff amount online and see the amount due with the interest calculated up to the day the payment would be applied. My load was sold to Mr Cooper and they want to charge me a fee for preparing this amount. The amount they want to charge to tell me the payoff amount is {$25.00} plus another {$20.00} to expedite it if I want to pay off sooner than the prep time and XXXX mailing days. Is it legal for them to charge me to pay off a load and is there any way for me to pay this off without paying the fee such as making multiple payments to being down the mortgage and then make XXXX last payment. I understand this would take longer but this fee they charge is really XXXX me off. I have excellent credit. My score is XXXX according to my bank monitoring service. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Data Mortgage Inc.
State: MA

Complaint narrative:
I used Essex mortgage to buy my home in XXXX  in XX/XX/XXXX. At that time, I used a lender and not them directly so my closing went very well and the loan was completed in a timely manner. After closing for some reason, Essex decided to repull a flood cert even though the flood cert says " life of loan '' and then added lender placed flood insurance to the tune of {$2700.00} ( I have since received a quote for {$800.00} ). I am in the middle of a refinance with the same lender that helped me originally. The payoff is showing a negative balance because of the flood that I don't need. I have a current flood cert from the refi also showing I don't need flood insurance. Myself and my lender have called into this company about XXXX times over the past week asking for an update as I am now having to pay rate lock extension fees due to this and every time I call in they tell me there are no notes and no one knows what is going on and I have to start over. I have verbally confirmed with them XXXX that they received the email sent on XX/XX/XXXX with both flood certs attached. I was then told the turn time was 24-72 hours. I was never contacted during that time and reached out a few times and no one seemed to know what I needed done. Today, XX/XX/XXXX I was told its XXXX business days which we are also past but still nothing was resolved. If the flood cert is good for life of loan why this was even repulled is a question and why no one seems to be able to resolve anything is also a question I would like answered. No one will provide last names, emails or phone numbers to call back to. I apparently am supposed to call the call center and ask for " XXXX '' and will be transferred. I can not get anything about this in writing from them. They are now messing up my refinance and costing me money for a mistake they made and can not seem to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been fraudulently used. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiries be blocked and permanently removed from my credit report : Fraudulent Account : AFFIRM XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : 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 2024-12-16 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: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and my personal information has been fraudulently used. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiries be blocked and permanently removed from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries 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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Amount ( XXXX ) i call several times to capital but he not gave me wire transfer in my account my fund are hundred percent legal my XXXX payout my bit mistake my account is personal but the payment is business but XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-16 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: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, Moneylion reported my account as past due, but in reality, it was not. I have a credit builder loan that I have used 2 times in the past with no issues, but this 3rd one is giving me very serious issues. I make manual payments to the account because my other checking account was hit with a fraud transaction over the summer, so it doesn't automatically go through. I paid all on them on time and one of the payments a deferment was granted to me as well. When I make manual payments, sometimes it skips the other payment date, for example, just recently I paid the account for XX/XX/XXXX payment but they credited the XX/XX/XXXX payment and not the XX/XX/XXXX payment. Even though now I'm ahead of my payments, they are still reporting the payments past due because it wasn't credited through autopay. If Moneylion doesn't remove the past due account on all 3 of my credit reports, I will sue Moneylion in court for FCRA violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
Columbia Debt Recovery AKA Genesis has verified this debt without my consent and knowledge, and any proof. THIS DEBT ISNT VALID! They're constantly calling my phone every day since XX/XX/2023 from different numbers and XXXX numbers, text messages, and emails. This debt isn't and isn't owed. 
They're also using two different names on my credit report as well. 
XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY XXXX COLUMBIA DEBT RECOVERY I previously disputed this debt, and they returned it as validated? BY WHOM?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-16 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 am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
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  - 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 2024-12-16 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX FL XXXX ] [ XX/XX/XXXX ] Re : Request for Information Regarding Charge-Off Account Account Number : XXXX Dear [ XXXX ], I am writing to request additional information about the charge-off account listed on my credit report with the account number XXXX. I am not disputing the account ; however, I would like to request the following specific details : The date of first delinquency associated with this account. 
The date of the last payment made on this account. 
The date of the charge-off designation for this account. 
This information is critical for my records and to ensure the accuracy of my credit file. I kindly request that you provide this information as soon as possible, in compliance with the Fair Credit Reporting Act ( FCRA ). 
If this information can not be provided or if inaccuracies are found in the reporting of this account, I respectfully request that the appropriate corrections be made to my credit report. 
Thank you for your assistance. Please send your response to the address listed above. I look forward to receiving the requested details at your earliest convenience. 
Sincerely, [ XXXX XXXX ] [ XX/XX/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 explanation