vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-07-11 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 non-monetary relief
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-11 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: TX

Complaint narrative:
I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation. 

I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. 

If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: FL

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-07-11 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX ( VIN # XXXX ) in XX/XX/XXXX. I never received the title. I spoke to Kia after the odometer paperwork was filled out and they said they sent it. Yet, I never received it. I went to the DMV with the Bill of Sale and was informed they needed a title. I contacted Kia again and they sent me a letter stating they no longer had an interest or title of the car. I returned to the DMV and they informed me I still needed the title. I contacted Kia again and they said I needed to request a duplicate title from the DMV. I went to the dealership and they suggested asking Kia for a duplicate title or returning to the DMV. I returned to the DMV and they said the title is still in Kia 's name so Kia needs to provide the title. I am now one year in after paying nearly 21K for a car and Kia has yet to provide me a title.

A complaint was filed with the CFB to which the company responded that they would request a duplicate title and send it to me. 

That has still not happened.

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 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I am trying to pay my Roundpoint Mortgage XXXX payment before the XX/XX/23 deadline. 

Roundpoint Mortgage has a bank account number on file for me that is incorrect. I want to pay by bank transfer, but on their website, they block me from changing which bank account number I want draw from. They give no option for changing the account number. 

In addition, Roundpoint Mortgage uses a telephone system that gives no option for speaking to an operator/technician. Also, the phone system does not have an option for changing the bank account for my on-line draw. 

I believe that Roundpoint is blocking access to me so that I will be late and they can charge a late fee. 

Can you help me get access to their offices so that I can change this bank account number for the draw?

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 2023-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Property theft exceeding {$130000.00} by XXXX XXXX XXXX, attorney of USBANK CORP Was done in retaliation for reporting his crimes of perjury in the quit claim hearing. 

This was Against the knowledge and intent of the Lien Property theft exceeding {$130000.00} by XXXX XXXX XXXX, attorney of USBANK CORP Requesting UNITED STATES MARSHAL PROTECTION for my wife XXXX and Myself from the racketeering debt collectors and thugs

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 2023-07-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received published by your company contains a series of items that should not be on my profile. The accounts in question are listed below. Please send me copies of the documents that you used prior to reporting these items on my credit profile to verify the accuracy and legitimacy of the accounts listed below. 

I called and spoke with a representative of your company last month and questioned these items. The representative told me the items had been verified but could not provide me with any information on what documentation had been submitted by the companies that proved that it was accurate before you reported these accounts. She only repeated that I had to contact the companies directly. The information youre reporting is not what other bureaus are reporting. How do you know your information is correct? It is the responsibility of EXPERIAN to ensure that the information being reported is accurate and factual. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my credit worthiness.

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

The following accounts are being reported and must be verified or deleted as soon as possible : XXXX XXXX XXXX XXXX OPENED XXXX {$490.00} ACCT # XXXX XXXX XXXX XXXX OPENED XXXX {$1000.00} ACCT # XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



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 2023-07-11 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: SC

Complaint narrative:
I am a natural person, and living human being, and I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Transunion my written permission to furnish any of the accounts below and Transunion should NOT be reporting my transactions or experiences with any of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or US Department of Education. 

Violation # 1 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have attached affidavit which stands as truth

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: AK

Complaint narrative:
Since 2022 I have attempted to dispute a debt with the XXXX XXXX XXXX XXXX XXXX XXXX ). My dispute claims have gone unanswered. XXXX has no sent me to a collection agency, XXXX XXXX XXXX XXXX. XXXX has also sent notice to the State of Alaska to have my PFD withheld. This is in all in addition to reporting this disputed debt on my personal credit reports. When I received a phone call from Conserve identifying they had received the account from XXXX as a debt for collection I informed them it was in open dispute with XXXX directly. I also asked for the address to send them a copy of the dispute as well as written dispute specifically regarding the collection activity. They refused stating they had already sent me a letter. I was driving my car and could not take their phone number down. The number was masked on my caller ID as well. I explained this and was still denied any assistance to be given contact information for later to send in my dispute on the debt. Additionally, XXXX has been nonresponsive to my dispute. I have finally reached out to the XXXX of XXXX directly for assistance. The origination of the issue is explained in the supporting attachments. XXXX has ignored my dispute, enabled by Conserve. They have continually upped the collection actives rather than answering the original complaint. Conserve has failed to acknowledge my dispute status or provide reasonable avenues to properly dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
The Customer Service would not help and take care of the Negative Inquiries Reporting to 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 2023-07-11 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: VA

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-07-11 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: VA

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : I.C System, Inc {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.

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 2023-07-11 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: KS

Complaint narrative:
The credit agencies never gave me the information on these investigations and methods they used.

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