vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NM

Complaint narrative:
I did not make the following inquires. It does not look like it resulted in the creation of a line of credit. I request immediate removal of the following inquiries : EXPERIAN : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-05 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: NM

Complaint narrative:
I did not make the following inquires. It does not look like it resulted in the creation of a line of credit. I request immediate removal of the following inquiries : EXPERIAN : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Elevate Recoveries, LLC
State: FL

Complaint narrative:
There are XXXX debts on my credit report, XXXX show up on XXXX, all XXXX show up on XXXX. These are medical debt that should no longer be in my credit or impacting my scores. I have disputed the debt through XXXX XXXX for XXXX and directly through XXXX numerous times since mid/late XXXX. I recently disputed these as well, each time my dispute is denied and the medical debt is never removed from my credit. All three of these debts belong to Elevate Recoveries LLC XXXX XXXX XXXX XXXX ). I have contacted them directly and they refuse to remove anything from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon notification and receipt of supporting documentation. 
The fraudulent items I am disputing include : Fraudulent 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX is violating my consumer rights. They are fraudulently letting CAPITAL ONE, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CAPITAL ONE to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that CAPITAL ONE isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CAPITAL ONE pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
[ Date : XX/XX/XXXX ] Subject : Request to Update Personal Information and Correct Errors in Credit Report Dear To whom it may concern, I am writing to request the correction of my personal information in my credit report. Please update the following details : Legal Name : Please ensure that my name is correctly spelled as " XXXX XXXX '' on all records. 
Address : My new address is XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Kindly update your records to reflect this change, and remove any other addresses associated with my name from your files. 
Phone Number : My updated phone number is XXXX. Please update your records accordingly. 
Additionally, I am requesting that any incorrect or outdated addresses associated with my credit file be deleted. 
This request is made under the Fair Credit Reporting Act, 15 USC 1681, which allows me to request the correction of inaccurate or outdated information in my credit report. 
Please send me an updated copy of my credit report after the changes are made. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX [ Your Date of Birth : XX/XX/XXXX ] [ Your Social Security Number : XXXX ] [ Your Signature : 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 2025-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. I am also requesting that the name is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXX {$2900.00} XXXX XXXX, Hard Inquiries 17, XXXX {$490.00}, XXXX XXXX XXXX {$1900.00} XX/XX/XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including [ list any documents youre including, such as bank statements, payment receipts, or correspondence ]. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, 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 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One reporting inaccurate information on my credit account paid in full on the same day the account paid capital One sent consumer notification of vehicle being assigned for repossession also reporting delinquent account to credit when account is paid off valid proof of paid off and notifications of repossession also balance increased reported violated my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
Transunion is violating my consumer rights. They are fraudulently letting XXXX  XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXXXXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my account on XXXX I received a cashiers check in the amount of {$2300.00}. The check says it is void after 1 year on XXXX. I misplaced the check and was unable to cash it and forgot about it. I recently found the check with me. So I called chase bank XXXX on XXXX to see if they would be able to reissue the check. The CSR spoke with the supervisor and told me that the check has gone stale and the money is gone. Also I was told nothing could be done and the money is gone. I can not believe that the bank could just take the money for forgetting to cash my own check. I am having problems with money right now. Can someone please help me get my own money from the bank please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: NM

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I requested a copy of my original account application/paperwork. The company opened ticket ID : XXXX. 

I patiently waited 40 days and during that time I received an occasional email stating that my request was being worked. 

But, then on XX/XX/XXXX, I received an email stating that they would not be willing to provide me a copy of my original paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage failed to pay my home insurance with XXXX XXXX  XXXX for XXXX and XXXX, despite my consistent mortgage payments, which include escrow fees. When I spoke with their agent, XXXX XXXX, she admitted she didnt know why the payment hadnt been made. She also mentioned that Shellpoint plans to make the XXXX payment with the escrow funds. However, due to their non-payment, my home insurance policy has now been canceled. 

XXXX, an agent from XXXX XXXX XXXXXXXX, informed me that they sent Shellpoint a non-payment notice on XX/XX/XXXX, but received no response. I followed up with Shellpoint today, XX/XX/XXXX, referencing the case number they provided last week. They had promised to call me back this week, but I have not received any follow-up. 

During todays call, I spoke with an agent named XXXX, who informed me that it takes Shellpoint 3060 days just to review a case. This is unacceptable. Shellpoints poor service, lack of communication, and negligence have resulted in the cancellation of my insurance. Their customer service logs need to be reviewed, and given their consistently negative reviews, I no longer wish to have my mortgage serviced by this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation