vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the three credit bureausXXXX Equifax, and XXXXwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including Equifax, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident.

Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions.

Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : Equifax : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NY

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with Bank of America. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, XXXX and XXXX, and informed them that they had the incorrect person because I never had a Bank of America account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the DR number and will provide it in the end. However, my story doesnt end here. I contacted XXXX and XXXX, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, XXXX & XXXX and Bank of America did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address XXXX & XXXX had when filing this suit. I discovered that XXXX & XXXX also had inaccurate address information, which was why I was never served with a lawsuit. 
Nonetheless, I have attempted to find an agreeable resolution with Bank of America and XXXX & XXXX. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue. 
The police report number is DR XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC
State: FL

Complaint narrative:
I received a tax bill in the mail, and it was not marked " to be paid from escrow '' which it should be. I attempted to contact my mortgage company - HomeTown Lenders , Inc. First I emailed them the issue, with a copy of tax bill, and when I didn't hear back, I tried calling, their phone was out of service, I tried to contact the local broker, and he also never returned calls/email/text messages. Today, XXXX XXXX, I once again went to reach out about tax bill, as well as to pay my mortgage payment due XXXX XXXX, and the HomeTown Lenders website hometownlenders.com / XXXX has been suspended. I again tried every phone number I had for them and all are disconnected or out of service. Tried once more to contact local broker still no response. I am not sure what to do now - I have no place to make a payment and do not want to be late .... 

Looking online, HomeTown Lenders seems to be out of business, I have had no contact from them since XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I called professional collector corporation on Monday XX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the Equifax XXXX So who is reporting this bill to Equifax then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. XXXX  is committing fraud by trying to collect on a bill that doesnt exist. This is my 4th complaint to the cfpb. I even called Equifax and they said that I need to contact XXXX XXXX XXXX  and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXX XXXX XXXX sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking 3 bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the XXXX is committing fraud by changing these bills and putting different amounts what is owed to them and XXXX. You will see that the XXXX  and XXXX  are both committing medical billing fraud. There is one bill that they added over {$240.00} in interest in only about 5 weeks time. Also I sent these papers to the XXXX XXXX XXXX XXXX XXXX and dealt with XXXX XXXX and the XXXX XXXX XXXX. XXXX still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXX XXXX XXXX and XXXX  need to be investigated for fraud. This is my 4th  attempt to get this removed off my credit bureau in the last 2 in a half weeks. I will not stop making complaints until this is removed. Why wont Equifax remove this off my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX late payments are on my credit score and i have submitted letters and also called the XXXX in regards to this payment should not have been reported late i never received the billed for those XXXX  months that are marked late on my closed acc XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b

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 2023-11-21 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
These companies were not authorized to run these inquiries. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XXXX, 2022, I was contacted via text by XXXX XXXX with Genesis collection agency. Please see below. XXXX text he stated he was hired by XXXX XXXX regarding my tenancy in unit XXXX XXXX, owing {$350.00}. To Opt out of the text message please respond XXXX XXXX XXXX. I texted back stop due to me already discussed this issue made payment toward outstanding balance. I receive a phone call moments after I responded stop, its was XXXX. XXXX let me know I owe this money fairly and its not uncommon for apartments to replace carpet between tenants. I explained I understand that but most just shampoo and this was a complete money grab. At this point XXXX began to yell at me and let me know I wont get a house, this will ruin my future the charges are going on my credit score which prompted me to return the exact same energy. He was very aggressive with this attempt. I felt deceived from the initial contact and abused after the call. From nefarious text message practice to the harassments that was felt on this call, left me very uneasy and still makes me angry. I understand Genesis is a 3rd party collection agency and based on this I felt deceived and harassed after this interaction. I refuse to engage with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
2 weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below 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 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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 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
Consumer complaint received 2023-11-21 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: TN

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NV

Complaint narrative:
This is my formal complaint to TRANSUNION. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
For well over a year now I have called Transunion about my credit history. I have no credit never used my credit. Now that I need to get credit I can't because of someone else 's accounts placed under my information.

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 2023-11-21 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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

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 U.S.C 1681 XXXX XXXX  Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
This company is violating the FCRA COMPLIANCE. They are not reporting 100 percent accuracy to my report. In fact their reporting has caused me to be denied several times for several different loan and home applications. The company as took oath to report 100 percent accuracy and they are far from doing this. The company is Capital OneXXXX The original balances two bureaus read the same and the other states XXXX, limit two agencies have the same amount one states XXXX. None of the dates opened are matching or correct and reported dates are all different dates as well. Most of all I have XXXX late payments that continue to report even after the account t has been charged off. Which is not accurate either because charge offs should not have any lte payments attached to it because they are late by default. I want this company to remove this account from my report. It has violated my rights for long enough. I believe them reporting late payments after the account is charged off is a sneaky cruel act. I have months where on bureau is reporting I paid on time and another bureau claiming it's a charged off account. This is not 100 percent accuracy and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
The business was unauthorized to run my credit.

Company response to consumer: Closed with explanation