vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03 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: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
In XXXX, I called to set up payments from the trust account. I asked if there was anything else they needed and they told me no. They failed to tell me that I needed to produce documents for the trust, death certificate, and ID from me. I had to find out that this information was needed when the mortgage company refused to paid the insurance on the house. I called and was told about the information needed, the third week in XXXX of this year. They have been accepting payments from me and did not inform me of the situation with the documents. I have supplied the documents, but the higher mortgage payments are creating a financial hardship for me. Since the insurance I got from XXXX XXXX is canceled, I believe they are charging me for insurance they have on the property which is extremely high. They are telling me that they can not talk to me until they review the documents. My hands are tied right now and this is not helping me financially. I did not create this situation. They did. I need a resolution fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
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: Driveway Finance Corporation
State: VA

Complaint narrative:
Their website has been inaccessible since at least XXXX. I have paid off my loan balance and need documentation from the company confirming this so that I can obtain title for my vehicle. I paid off my balance on XX/XX/XXXX. Since then, I have attempted to log into my account today, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and to call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak to a representative about my loan. I have been kept on hold for nearly an hour and no one picks up the phone. I repeat NO ONE picks up the phone. Additionally, when attempting to log on to their website, the attached message, " Something went wrong. XXXX will be reported, '' pops up on the screen. There is no way to log into my account. There is no way to speak to a customer service representative. There is no way to obtain the documentation I need to obtain title. Recent XXXX reviews from other XXXX XXXX of the same issues. It is as though this company disappeared into thin air and this wreaks of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-03 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:
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 2024-09-03 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: NJ

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 2024-09-03 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: MI

Complaint narrative:
Thank you for your letter dated XX/XX/year> in response to my complaint submitted on XX/XX/year>, through the CFPB Complaint Portal. I appreciate your attention to my concerns regarding the inaccuracies in my credit report. 

However, I am writing to express my disappointment with the outcome of your investigation. Despite my detailed dispute and the evidence provided, several inaccuracies remain on my credit report, which continue to adversely affect my credit score and overall financial health. 

XXXX. **Item # XXXX : ** - You stated that " An account record remains. '' I provided substantial evidence that this account contains inaccurate information. I request a thorough review and reconsideration of this item. 

XXXX. **Items # XXXX, XXXX, XXXX, and XXXX : ** - Although you mentioned that " An account record was updated, '' the updates made do not reflect the true nature of my dispute. Specifically, these items were supposed to be corrected or removed due to the inaccuracies. I urge you to verify these items again. 

I am requesting a re-investigation of the disputed items listed above. As per your process, please contact the data furnishers again and provide them with all the relevant information and documentation that I have submitted. It is crucial that these entities accurately verify the information in question. 

I have gathered more documents that further substantiate my claims. I will be submitting these documents through your online portal at www.experian.com/upload. Additionally, I am mailing copies of these documents to your XXXX XXXX XXXXXXXX, XXXX, TX XXXX address. 

I am aware of my rights under the FCRA and will continue to exercise them to ensure the accuracy and completeness of my credit report. If the re-investigation does not resolve my dispute, I intend to add a XXXX statement to my file, disputing the accuracy and completeness of the information in question. 

I trust that you will give this matter the serious attention it deserves and take the necessary steps to correct these inaccuracies. Ensuring the accuracy of my credit report is essential for my financial well-being, and I hope for a prompt and favorable resolution. 

Thank you for your cooperation and assistance in this matter. I look forward to your timely response.

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 2024-09-03 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: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Response to dipute DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address updated You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records. DEPT OF ED / XXXX DELETED US DEPT OF EDUCATION DELETED FAIR COLLECTIONS AND OUT DELETED Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are a result of Identity theft : XXXX XXXX CREDENCE RESOURCE MANA XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1800.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  History : XX/XX/XXXX ; XXXX ORIGINAL CREDITOR : XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have had medical insurance since 2020 with out laps from my employer. I work for a XXXX why would I acquire a debt when I have insurance to pay. I was the victim of identity theft during the year this account was opened. There is also an address on my credit report that I have never lived at that was used to open a phone bill as well which was identified to be identity theft. Your company is aware of this situation and was in agreement with that finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-09-03 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: IN

Complaint narrative:
I have been disputing multiple accounts with XXXX, XXXX and TransUnion since XX/XX/XXXX. I disputed a charged off account from a company called XXXX XXXX  that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all XXXX Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; XXXX and XXXX have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXX XXXX  XXXX. & XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with XXXX from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while XXXX shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX. XXXX, XXXX which was removed from my XXXX report because it was unverifiable. Transunion is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with XXXX that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least XXXX rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.

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 2024-09-03 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: IN

Complaint narrative:
I have been disputing multiple accounts with Equifax, XXXX and XXXX since XX/XX/XXXX. I disputed a charged off account from a company called XXXX Bank that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all XXXX Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; Equifax and XXXX have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXX XXXX, XXXX. & XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with Equifax from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while XXXX shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX. XXXX, XXXX which was removed from my XXXX report because it was unverifiable. XXXX is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with XXXX that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least XXXX rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called and went to bank I try and handle it but cut it off for no reason months ago Pursuant to 18 usc 8, i owe no debt, this company is violating my consumers rights to privacy to 15 usc 1681b 2.company have NO permission to report ANYTHING using my info to Pursuant 15 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CA

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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief