vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.

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 2024-08-19 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 writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on 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 2024-08-19 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: MT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
XXXX XXXX REFUSES TO SPEAK WITH ME BC MY ACCOUNT IS IN COLLECTIONS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year> I tried to sign up for an Experian account so as to place a security freeze on my credit report. I was unable to verify my identity online and called the provided phone number. The automated assistant was also unable to verify my identity and refused to transfer me to a representative no matter which call tree option I went down, leaving me with no recourse to place my freeze online or by phone. They had a third option to submit the freeze by uploading appropriate documentation in XXXX format but the upload center errored out all three times I tried it.

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 2024-08-19 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: FL

Complaint narrative:
Please remove these accounts and update late payment accounts which are listed in letters and in FTC IMMEDIATELY

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 2024-08-19 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: NC

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was stunned to find incorrect accounts on my credit report this morning, with no explanation for how they got there. When I checked my credit report, like I usually do, I was taken aback by these sudden discrepancies. I even refreshed my browser, thinking it might be an error, but the inaccurate accounts stayed. I'm very anxious about this and ask that the documents I've provided be reviewed thoroughly, so I don't have to go through this again.

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 2024-08-19 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: MD

Complaint narrative:
I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. Grateful to you right off the bat for your comprehension 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We have had XXXX issues with the company. 

# XXXX, during the time we held the loan, we asked for PMI removal twice and told we were denied but would receive a letter in the mail giving us the option to pay for an appraisal to get it removed. We never received either letter and decided to sell our house since the mortgage ( including PMI ) was too high to cover all expenses if we rented it out. 

# XXXX, we sold our house in XXXX of XXXX. The loan was paid in full. There was a remaining escrow balance of {$880.00} that we were due a refund on. The first check was supposedly mailed to us on XX/XX/XXXX. We never received it so called and asked them to reissue. They did so on XX/XX/XXXX. Did not receive it again. Called and they reissued on XX/XX/XXXX. Did not receive it and we moved so updated our address with them. They supposedly reissued it on XX/XX/XXXX. We DID receive a mailed notification that our address was updated but still NO CHECK! 

While calling, we asked if we could pay for a XXXX to our house. They denied our request. We asked them to check to see if the check was mailed to the correct address which they said they did. 

We have never not received mail at either address that we were expecting so I find this extremely odd!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: SC

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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :

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 2024-08-19 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:
Consumer Name : XXXX XXXX Social Security Number : XXXX DEAR Equifax XXXX To Whom It May Concern this is my XXXX Request : I received a copy of my credit report a few days ago and am writing to dispute these items on my report that needs to be corrected. I have circled and numbered the items on the attached copy of the report. The reason why this item should be corrected is indicated below : ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Via Dealer Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX  XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. According to the provision of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be reinvestigated or deleted from my credit report within 30 days. In the interim, this item should be noted on my credit report as in dispute. I am also requesting the names, addresses, and telephone numbers of individuals you contact so that I may follow up. Also, my last cfpb complaint # XXXX to show I reported this issue multiple times. 


If it is determined through your investigation that the disputed items is inaccurate, please correct my report and send me a notification that the information has been updated. I am requesting an updated copy of my credit report, which should be sent to the address listed above or email. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 


Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No confirmation in any form has been received that XXXX XXXX intends to remove their error of {$170.00} reported on the three major credit reporting bureaus, Transunion, XXXX, and XXXX, as admitted in response to my cfpb complaint on XX/XX/year>. 

Moreover, I was charged and paid {$94.00} on XX/XX/year>. I have no bill to refer to. I requested an itemized bill. I have not received a 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 non-monetary relief
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Santander, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : XXXXSANTANDER ACCOUNT NUMBER= XXXX OPENED XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer XXXX credit report, which includes the aforementioned bogus account. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX  as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed theres a hard inquiry from Bank of America on XX/XX/XXXX which I wasnt aware of. I reach out to Bank of America immediately and ask them to investigate on this. They said theres no new account recently opened under my name and thats all they can find out. But I really need to know what kind of financial application the identity theft try to apply, or perhaps it is going to be approved soon. I also need these information to file a police 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 2024-08-19 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: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit profile from XXXX, XXXX XXXX and Equifax immediately. 

XXXX XXXX XXXX XXXX  2021 {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit profile from Experian, XXXX XXXX and XXXX immediately. 

XXXX XXXX XXXX XXXX 2021 {$4200.00}

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 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I was the victim of XXXX XXXX. Someone used my identity to apply for an apartment in XXXX  ( I live in XXXX  ). The apartment group tried but was unable to collect an application fee, and passed the debt along to a debt collection agency ( National Credit Systems ). XXXX  filed a delinquent account on my credit report without ever contacting me. I found out at the end of XXXX and was in contact with XXXX from the beginning of XXXX. I submitted the documents they requested to prove my identity and residency. I have received no communication back since those documents were submitted. I have called repeatedly and either been told the agent was unavailable ( never returned messages ), was given vague " we'll look into it '' answers without a timeline, or hung up on. XXXX is holding my credit XXXX and preventing me from applying for a loan or anything else I may need to use my credit for. They have not provided a timeline or clear path they will take to resolve this XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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