vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: OR

Complaint narrative:
I am writing to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. I kindly request this action to be taken within XXXX business days of receiving this complaint. 
The fraudulent, inaccurate, and false information includes the following : Credit Accounts : XXXX XXXX XXXXXX/XX/XXXX, {$620.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX Bank, XX/XX/XXXX, {$2400.00} XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX Bank XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX, : {$0.00} XXXX XXXX, XX/XX/XXXX, {$6200.00} XXXX XXXX, XX/XX/XXXX, {$190.00} XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  Financial, XX/XX/XXXX, {$0.00} Collections : XXXX XXXX, XX/XX/XXXX, $ XXXX XXXX, {$2700.00} Bankruptcies : XXXX Bankruptcy XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Hard Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Employers : XXXX XXXX XX/XX/XXXX About M These fraudulent accounts have led to several hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of these accounts, collections, hard inquiries, addresses, or bankruptcies, as they were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

Attached to this complaint, you will find copies of the FTC Identity Theft Criminal Complaint as proof, verifying that all the aforementioned accounts, collections, bankruptcies, and addresses are the result of identity theft and fraud. 

I kindly request that Credit Bureau blocks all these fraudulent accounts, collections, bankruptcies, hard inquiries, and addresses from my consumer credit file within XXXX business days of receiving this complaint. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the item : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2025-02-27 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: AL

Complaint narrative:
According to 15 u.s.c1692c by law a exprerian credit have violated my right by in lawful communication. I have tried to resolve this dispute I would like them to remove 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 2025-02-27 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

BRCLYSBANKDE XXXX Balance {$810.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$2600.00}

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Someone scammed my cash app for XXXX I reached out to cash app and they said they would get back to me and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX Code XXXX - Procedure in case of disputed accuracy, and XXXX XXXX Code XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXX *Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reported many times of a XXXX account that was on my credit report, that charge does not belong to me I have no knowledge of it! There was no proper investigation done on it I spotted that on Experian they had my name as XXXX null XXXX I dont even have a middle name even doe they fixed the issue this XXXX account on my report shouldnt be there, I strongly believe its someone els

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These inquiries do not appear to be associated with any account I currently hold, nor have I authorized these entities to pull my credit report. I kindly request that these inquiries be thoroughly reviewed and, if they are found to be unauthorized or not connected to an open account, be removed from my credit report. 

no action was taken as far as removing them off of my report and dates of these inquiries are XXXX inquiries from XX/XX/XXXX XXXX inquiries from XXXX XXXX inquiries from XX/XX/XXXX I filed a complaint through the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
FILED FTC REPORT BECAUSE XXXX MEDICAL BILLS ARE REPORTING ON MY CREDIT AND FINANCIALLY INJURING ME STOPPING ME FROM A MAJOR TRANSACTION WHEN MEDICAL BILLS ARE NOT SUPPOSED TO BE REPORTING ON CREDIT REPORTS AT ALL. TRIED REACHING THE XXXX CREDIT BUREAUS AND THEY ARE NOT HELPING. THIS IS URGENT.

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 2025-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Flagstar Bank regarding a failure to properly handle my escrow tax payment, resulting in financial penalties and undue stress. Below are the details of the issue : What Happened : I had a mortgage loan with Flagstar Bank which has recently been sold to XXXX XXXX XXXX Bank starting XX/XX/XXXX. My property taxes are paid through escrow, and XXXX is responsible for making timely payments to the XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I received a tax statement from the XXXX XXXX Tax Assessor ( Tax Account : XXXX ) showing a total due of {$2800.00}. However, Flagstar Bank initially omitted this tax payment, stating they only had XXXX parcel on record. After confirming the parcel information with XXXX XXXX, Flagstar Bank assured me that they would make the correct payment. 

In XX/XX/XXXX, Flagstar Bank reported that they had made the tax payment. My XXXX online statement reflected a payment of {$2400.00} instead of the full {$2800.00}. Upon noticing the shortfall, I contacted the bank, and they assured me that the remaining {$350.00} would be sent to cover the balance. 

Despite these assurances, the XXXX XXXX XXXX XXXX informed me that they only received {$350.00} and not the original {$2400.00}, leaving an outstanding balance of {$2600.00}, which includes a penalty and interest of {$170.00}. 

Actions Taken : I have made numerous calls to Flagstar Bank seeking resolution. 
I have requested a payment acknowledgment or proof of payment, but Flagstar Bank has failed to provide XXXX. 
I have also reached out to the XXXX XXXX XXXX XXXX, but they maintain that they have not received the full tax payment from Flagstar Bank. 
Each time I contact Flagstar Bank, I am told I will receive confirmation within XXXX business days, but I have yet to receive any documentation proving payment. 
On my latest call, Flagstar Bank stated that they can not provide a payment receipt and directed me back to the tax office, creating an endless loop with no resolution. 

I am extremely frustrated by this situation, as it has caused financial strain and unnecessary stress. XXXX Banks handling of this matter has been inefficient and unresponsive. I request the CFPBs assistance in ensuring that Flagstar Bank fulfills its obligation and resolves this issue immediately. 

Thank you for your time and consideration.

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 2025-02-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: OR

Complaint narrative:
I am writing to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. I kindly request this action to be taken within XXXX business days of receiving this complaint. 
The fraudulent, inaccurate, and false information includes the following : Credit Accounts : XXXX XXXX XXXXXX/XX/XXXX, {$620.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX Bank, XX/XX/XXXX, {$2400.00} XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX Bank XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX, : {$0.00} XXXX XXXX, XX/XX/XXXX, {$6200.00} XXXX XXXX, XX/XX/XXXX, {$190.00} XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  Financial, XX/XX/XXXX, {$0.00} Collections : XXXX XXXX, XX/XX/XXXX, $ XXXX XXXX, {$2700.00} Bankruptcies : XXXX Bankruptcy XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Hard Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Employers : XXXX XXXX XX/XX/XXXX About M These fraudulent accounts have led to several hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of these accounts, collections, hard inquiries, addresses, or bankruptcies, as they were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

Attached to this complaint, you will find copies of the FTC Identity Theft Criminal Complaint as proof, verifying that all the aforementioned accounts, collections, bankruptcies, and addresses are the result of identity theft and fraud. 

I kindly request that Credit Bureau blocks all these fraudulent accounts, collections, bankruptcies, hard inquiries, and addresses from my consumer credit file within XXXX business days of receiving this complaint. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX frustrated to see inquiries from your company on my credit report that I never agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Here is an Affidavit of Truth you can use to dispute the fraudulent address on your Experian credit report : -- - Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : Equifax XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Cc CFPB Subject : Affidavit of Truth Dispute of Fraudulent Address I, XXXX XXXX XXXX XXXX living, breathing man, do hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : XXXX. I am not now nor have I ever been associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. Any records or accounts linked to this address under my name are the result of identity theft, fraud, or misrepresentation. XXXX. My lawful and correct address is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. XXXX. I formally demand that Equifax immediately remove the fraudulent address from my credit file and update it to my lawful address listed above. XXXX. I have attached copies of my government-issued identification and utility bill as proof of my identity and residence. XXXX. Any refusal to correct this inaccuracy would constitute willful defamation of my character and violation of the Fair Credit Reporting Act ( XXXX  ). I declare that the foregoing is true, correct, and complete to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I never had a contractual relationship with Midland Credit Management. I believe the original creditor, XXXX, sold my account without providing proper notification. This constitutes a clear violation of FCRA XXXX regarding the reporting of inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
CREDIT ACCEPTANCE XX/XX/year>

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 2025-02-27 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX Code XXXX - Procedure in case of disputed accuracy, and XXXX XXXX Code XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXX *Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IN

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the item : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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