vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: DE

Complaint narrative:
Consumer Name : ( 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, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX  XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXXXXXX XXXX XXXX. {$22000.00} XXXX XXXX. Open- XX/XX/XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$440.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

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 2024-07-01 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: VA

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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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.

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.

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 2024-07-01 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: TX

Complaint narrative:
I have noticed XXXX Accounts on my credit report after trying to obtain credit.

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 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a closed account with Synchrony Bank for a XXXX XXXX credit card that I paid off. The payment was made by check drawn on XXXX XXXX  in XX/XX/year>. Synchrony cashed the check at the beginning of XXXX but the payment of {$2000.00} still has not been posted to my account. I've contacted them multiple times and sent multiple proof of payment with the canceled check. All they tell me is it can takes weeks for them to investigate but when I call back no one can tell me the status of the investigation or when this will be resolved and it's now been over 2 months. XXXX XXXX, who sent the check on my behalf, has also mailed Synchrony proof of payment with the same information hoping they might get better results. The account with Synchrony ends in XXXX and they have it linked to XXXX which is an old phone number for me but what they've asked me to reference when I've sent proof of payment. I feel totally helpless as I can not get anyone to help me resolve this issue and it's making it appear as if I still have this outstanding balance with regards to my credit utilization and I'm still making payments to avoid late fees and additional charges.

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 2024-07-01 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: LA

Complaint narrative:
Unauthorize inquires from XXXX  XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I've sent dispute letter to the credit bureau.

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 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I've been contacted by a few debt collection companies for collections I do not owe. They are all from energy companies I have no relation to. Many of these companies seem to be from XXXX, a state I do not not live in. I've never had any dealing with any of the companies the debt claims I have. 

The energy companies involved are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Most of these accounts seemed to be created in XX/XX/year> and a few in XX/XX/year>. The debt XXXX involved are XXXX XXXX, XXXX XXXX XXXX, and most recently Online Information Services. There are multiple accounts with each of these companies under many different dollar amounts. 

I'm not sure if maybe my information was leaked or they added my name to all accounts under a different address. I've told the debt companies multiple times the debt is not mine and have sent letter to them. I tried contacting the energy companies and can never get a hold of any real person on the phone except for XXXX XXXX XXXX who couldn't help me with any additional information. I've sent identity theft reports for a few of the claims. 

These account are damaging my XXXX XXXX and I'm not sure what other steps I need to take. I've sent several dispute claims to places like XXXX to inform them the debt is not mine. I'll send some of the documents I've received and the letters I've sent as well as other information related to all of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: DE

Complaint narrative:
I been consistently trying to get account validation, statements and proof I own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another identity theft affidavit, and now Experian and XXXX is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a credit specialist because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau dont offer me a way to correct the info.

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 2024-07-01 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: DE

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, the Equifax credit reporting agency , 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXXXXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX  open XX/XX/XXXX XXXX XXXX. Open- XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. XXXX. {$1600.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-01 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:
Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XXXX of XXXX I made a payment to XXXX XXXXXXXX XXXX for my annual hazard insurance payment. I didnt realize that my lender also made a payment from my escrow account until XXXX of XXXX when I was preparing my tax returns. XXXX returned my overpayment to United Wholesale Mortgage in XXXX of XXXX, however they are not my current lender as they transferred my mortgage to XXXXXXXX XXXX XXXX. XXXX confirmed their check was cashed by United Wholesale Mortgage on XX/XX/XXXX. Ive been speaking with United Wholesale Mortgage about this issue since XXXX with promises that my overpayment of {$2500.00} is going to be returned either to me or new lender but have yet to send the money to me or the new lender. Their Executive Resolutions Team has not resolved this and its been almost a year since this issue occurred. They keep stating that a XXXX party is processing the payment, but have not provided an update on the status since I last spoke with them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Got a call from Chase Credit Card regarding an application for a credit card on XXXX. Was told that an XXXX XXXX had all of our information and was requesting a credit card amount of {$5000.00}. This person, XXXX XXXX lived on XXXX XXXX, XXXX, Florida XXXX. Phone number, I think, XXXX - may be disconnected. 
The person from Chase Credit Card said that XXXX XXXX XXXX had had a breach and lots of people had their info taken. Any way Chase Credit Card gave me a cancellation # XXXX for this. He advised me to go the CFPB and file a complaint and ask that this XXXX XXXX be put on the XXXX list. I do not want any of my/our information shared with anyone. 
Chase alerted me to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My mother died on XX/XX/XXXX. I went to the Equifax site and looked at what was required to report her death. This is what is direct from them : XX/XX/XXXX Sent cover letter to Equifax, ( with my mother 's name, dob, dod and ss # ) XXXX XXXX XXXX, XXXX Ga XXXX along with a cert copy of the death certificate, copy of will to show I am her Co-Representative and copy of my DL and contact information. Address taken from the Equifax web site and info sent based on what they said was needed. Mailed at Post Office on XX/XX/XXXX. 

Today, XX/XX/XXXX, I got a letter from them listing everything they need, which includes everything I sent. I called them today at XXXX. After verifying my identity by providing my mother 's SS #, my SS #, my phone number and getting a text code for them, I was then told that I failed to submit a copy of my social security number. WHAT? I just gave it to you and verified it on the phone. Nope, want it mailed in NO, I am not doing another single thing. They did not ask for this on their website. They put me through a ton of contacts years ago when I had to go to the AG to stop them charging my mom in their protection racket. They were supposed to refund me monthly fees and never did. Kept " losing '' all of the information I sent them. Now, they are playing this game. My mother is DEAD and they have the certified death cert and all her info. Please make these people do their jobs. I have had it with these insane people. Their own website does not require a copy of my SS card and there is no reason for it. I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX XXXX {$49000.00} has inaccurate and incorrect information. Experian is showing a date reported XXXX XXXX when XXXX is showing a date reported XX/XX/XXXX. This information is inconsistent. Please see attachments for verification. I would would like for this account to be removed from my credit report because it is not following the rules or guidelines for the consumer credit reporting.

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 2024-07-01 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX 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 non-monetary relief