vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: OH

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have been diligently attempting to resolve an issue regarding a debt that a company is attempting to collect, which I believe stems from identity theft. Despite my efforts to address this matter directly with the company and through online dispute systems with the credit bureaus, I have encountered significant challenges in obtaining a resolution. 

Upon contacting the company, Kimball, Tirey, and St John, and informing them of the situation, I was instructed to provide documentation via email. Despite promptly submitting the requested documents, I have not received any response from the company. Subsequent attempts to follow up via phone have only resulted in being bounced between different departments, with each directing me back to the other. 

The phone numbers I have attempted to reach the company on are XXXX and XXXX. This back-and-forth communication has been frustrating and unproductive. I am seeking a response from The law offices of Kimball, Tirey, & St John and a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a critical matter involving the erroneous reporting and collection attempts by XXXX XXXX XXXX XXXX, a junk debt buyer, regarding an alleged debt previously held by XXXX. 

This issue has significant implications for my credit history, as well as potential violations of the Fair Credit Reporting Act ( FCRA ). Despite the debt being officially removed from my credit report, XXXX XXXX XXXX XXXX persistently attempts to collect the claimed balance of {$690.00} without providing any valid documentation to support their position. 

I have taken the necessary steps to confirm the removal of this debt with XXXX, XXXX, and Experian, following the FCRA guidelines. Notably, the initial debt buyer, " XXXX  XXXX XXXX '', reported and subsequently removed the debt after proper verification, emphasizing the accuracy of the removal and casting doubt on the legitimacy of XXXX XXXX XXXX XXXX 's claim. 

I kindly request the Consumer Financial Protection Bureau ( XXXX ) to initiate a thorough investigation into this matter to ensure that XXXX XXXX XXXX XXXX complies with all relevant regulations. Their persistent attempts to collect on a debt that has been officially removed from my credit history not only violate the FCRA but also pose a significant threat to my financial well-being. 

In addition to the investigation, I urge the CPFB to issue a stern cease-and-desist order to XXXX XXXXXXXX XXXX XXXX , instructing them to halt all collection attempts, reporting activities, and any further actions related to the Sprint debt until a comprehensive resolution is reached. 

I appreciate your immediate attention to this serious matter and trust that the XXXX will take decisive action to rectify this situation. Please do not hesitate to reach out if any additional information is required.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a serious matter regarding the inaccurate reporting of an alleged debt by XXXX XXXX XXXX XXXX. This concerns a closed account originally held by XXXX, with a claimed balance of {$690.00}. 

The collection was initially removed from my credit report but was later re-added by XXXX XXXX XXXX XXXX, a junk debt buyer. I can confirm that I received official confirmation from XXXX, Equifax, and XXXX that the XXXX debt, initially held by XXXX XXXX XXXX, was successfully removed from my credit report, complying with the Fair Credit Reporting Act ( FCRA ) guidelines. 

This inaccurate reporting is misleading and damaging to my credit history. Notably, the initial debt buyer, XXXX XXXX XXXX, reported and promptly removed this debt after verification, highlighting the accuracy of the removal and raising concerns about the legitimacy of XXXX XXXX XXXX XXXX 's claim. 

Furthermore, XXXX XXXX XXXX XXXX has failed to provide any valid documentation supporting their claim to the XXXX debt ( no original contract with my signature has been provided, let alone any proof at all, of this erroneous debt ). I have not received any communication from them regarding the alleged debt, and their reporting appears to be based on inaccurate or insufficient information. 

I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. XXXX XXXX XXXX XXXX 's attempt to collect on a debt officially removed from my credit history is a clear violation of the FCRA. 

In addition, I request that XXXX XXXX XXXX XXXX  cease all collection attempts, reporting, and any further actions related to the XXXX debt until a proper investigation is conducted, and the matter is resolved. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: PA

Complaint narrative:
I recieve email from the 3 bureuas saying I'm using credit repair company to send out dispute letters for the negative accounts I have which is wrong. i'm the one who send out letters here 's the lists of accounts and inquiries I want or need to be deleted CHARGED OFF 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 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 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 explanation
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on my experian credit report there is an account which is not my. i ve never heard about this bank. account name is XXXX XXXXXXXX XXXX XXXX open date is XX/XX/2022

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 2024-02-20 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
In XXXX of XXXX my Mortgage went up {$400.00}. On XX/XX/XXXX I inquired about why. Freedom mortgage tried to say that I had no insurance and they had to place GAP coverage which was {$3600.00}. My previous insurance was {$1600.00}. I tried to explain that EVEN with that, they increased my mortgage by almost {$5000.00} and none of that adds up. I also explained that I had the same insurance the entire time I have owned this home. Insurance that in the past they had paid when they purchased my loan back in XXXX. 

My new insurance, which I got XX/XX/XXXX, was roughly {$1000.00}, yet my mortgage is ( escrow ) is still up {$300.00} a month, so {$3600.00} a year. Even as of this morning they are claiming I have an escrow shortage. 

Last month, I finally got someone on the phone from Freedom who accidently admitted to me on a recorded line that they had received a cancellation notice from my insurance company, which contradicted everything they had been telling me the entire time of not having ANY proof or information that I had insurance on the house to begin with. When I called her out on that contradiction she tried to backtrack, but eventually slipped with the same information again. 

I filed a previous complaint with the CFPB about the credit reporting and in their response they admitted that on XX/XX/XXXX, shortly after they repurchased my mortgage, they tried to contact my insurance company a single time and did not get a response. No notices were sent to me by Freedom Mortgage regarding the GAP coverage, no phone calls, no emails, no messages on their website, nothing. 

As a homeowner, I did what I was required todo. I had insurance, they had the policy #, they had the company I had insurance through, they had a full month before the insurance expired, but somehow I still got penalized, charged, and in my view, defrauded. The worst part about this all though, ignoring even the credit hit because I had to take off autopay while trying to get Freedom Mortgage to acknowledge their mistake, is this is a common practice from Freedom Mortgage. Just looking at other complains online, through the XXXX, and any other forum, the same story happens over and over. 

Freedom Mortgage needs to be held accountable for their negligent, predatory tactics against homeowners.

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 2024-02-20 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: MA

Complaint narrative:
I declared bk in 2017 whic is correctly documented however each of my accounts I made sure were paid never late right up until the day I filed!!! To date neither my current accounts or those included in bk were ever late!!!! The credit bureaus continue to report negative information of numerous late payments or derogatory information making it quite difficult trying to purchase my car! I understand the bk must be listed but they are reporting in addition to the bk there are numerous delinquent or derogatory or late payments which is false!!! After one declares bk they are allowed a fresh start this happened in 2017 and my cards were in time then and now I have excellent payment

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 2024-02-20 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: MA

Complaint narrative:
I declared bk in 2017 whic is correctly documented however each of my accounts I made sure were paid never late right up until the day I filed!!! To date neither my current accounts or those included in bk were ever late!!!! The credit bureaus continue to report negative information of numerous late payments or derogatory information making it quite difficult trying to purchase my car! I understand the bk must be listed but they are reporting in addition to the bk there are numerous delinquent or derogatory or late payments which is false!!! After one declares bk they are allowed a fresh start this happened in 2017 and my cards were in time then and now I have excellent payment

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
After Checking my credit report from XXXX on XX/XX/XXXX I noticed that WAKEFIELD AND ASSOCIATES IN XXXX TENNESSEE ADDED 7 Collections to my XXXX Credit Report on XX/XX/XXXX, 5 of those collections were for Duplicate Amounts of {$510.00}, XXXX other 2 were for {$760.00} and {$1300.00}, All of the accounts were listed as opened in XXXX of XXXX and the Original Creditors are listed as XXXX XXXX XXXX of all I HAVE NOT BEEN TO A CIVILIAN HOSPITAL IN OVER 2 years, Secondly I am a Veteran and receive mostly all of my Medical care through the Department of XXXX XXXX XXXX XXXX  THE INFORMATION THAT WAKEFIELD AND ASSOCIATES IS ERRONEOUS AND CAUSING ME IRREPARABLE HARM AS WELL AS POSSIBLY CONTRIBUTING TO CAUSING ME A FINANCIAL HARDSHIP SINCE I WILL POSSIBLY HAVE TO PAY SOMEONE LARGE AMOUNTS OF MONEY TO HAVE THEIR ERRONEOUS REPORTING CORRECTED.

Company response to consumer: Closed with explanation