vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-09-06 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-06 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

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 2024-09-06 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against XXXX, Experian, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX XXXX. Contacted each credit reporting agency ( XXXX, Experian, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

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 2024-09-06 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-06 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: OK

Complaint narrative:
XX/XX/2024 XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened fraudulently. 
XX/XX/2024 XXXX XXXX XXXX XXXX application. 

I froze and locked my credit reports through XXXX, Equifax, and XXXX. Yet I am still getting fraudulent credit card applications. 

Equifax had a data breach is to blame for this yet they are not assisting people who are victims to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute an account that has been erroneously reported under my name. 
I have disputed this account on XX/XX/year> when I first recognized the debt for the amount of XXXX. 
It came back verified, How I'm not sure no proof was received in the mail or giving to me by XXXX. I asked for a reinvestigation on XXXX asking for proof of ownership and it came back verified again. 
I do not recognize this account and believe it has been reported incorrectly. I have reviewed my records and can confirm that I have no ownership or association with this account. 
Im not sure how this agency got my information or if they even have the right to report this debt. 
I request that you investigate this matter and remove the incorrect account from my credit report. Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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 had violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also state a customer Reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency May make any customer report Containing any of the following items of information any other adverse item of information, other than Record of Conviction 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 customer to any customer reporting agency if the person knows or has reasonable causes 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 2024-09-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXXXXXX 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  15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also state a customer Reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency May make any customer report Containing any of the following items of information any other adverse item of information, other than Record of Conviction 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 customer to any customer reporting agency if the person knows or has reasonable causes 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 explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AK

Complaint narrative:
n 2019 when I was applying for the XXXX XXXX XXXX XXXX, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
In XXXX of this year, I received a communication from Freedom Mortgage offering to refinance my existing loan at a lower interest rate. The loan officer assured me that all associated costs would be covered by their company. We proceeded to schedule a closing date for XX/XX/XXXX. However, the day prior to the scheduled closing, I was informed that an additional amount of {$270.00} was required. Despite our dissatisfaction with this development, we agreed to move forward. 

Regrettably, a document that required our signature was overlooked, necessitating the rescheduling of the closing to XX/XX/XXXX. At this point, the amount required for closing has unexpectedly escalated to {$4400.00}. Throughout this process, no explanation was provided regarding this increase, nor were the documents we were required to sign adequately explained. I have made numerous attempts to contact their office to address these issues, but have not received a response during business hours. It appears that the initial loan offer was misrepresented or not as represented.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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:
Since 2021 I have been attacked by the crime of identity theft to the point that I had to resort on several occasions submitting various fraud claims in my credit bureau in the different credit reporting service provider company on this occasion, the company XXXX XXXX, makes a report in the Experian bureau of a debt in collection of the company XXXX XXXX XXXX XXXX, for an amount of XXXX dollars. Which I do not have any credit relationship with any of this company, for that reason I ask this company to verify said account through the corresponding channel and send the contract with said company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: AL

Complaint narrative:
Hello, just want to let you know that I spent a lot of time learning all these nuances of the laws and my rights, yet you guys are just stepping on it - insulting and a defamation of my character, an egregious violation of my rights as a consumer. I have informed you of these errors you made on your end - all in vain, it is as if that you kept on ignoring my claims and turning a blind eye to it for I'm just a mere man, a cog on the system and I had enough - sleepless nights and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: MI

Complaint narrative:
Subject : Complaint Regarding XXXXXXXX XXXX XXXX  Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXXXXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXXXXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXXXXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXXXXXX XXXX corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. during that time i suffered a XXXX and has COVID throught this 2 year term

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 2024-09-06 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: MI

Complaint narrative:
Subject : Complaint Regarding XXXXXXXX XXXX XXXX Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXXXXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXX XXXX  corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

I was also a XXXX XXXX XXXX XXXX XXXX XXXX. during that time i suffered a XXXX and has COVID throught this 2 year term

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove the following inquiries because I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: GA

Complaint narrative:
Please remove the following inquiries because I did not authorize them : 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 XXXXXX/XX/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 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I received a purported debt validation letter that appears to be a resolution offer from Radius Global Solutions LLC. This correspondence failed to include any statutory dispute rights. Pursuant to federal law, they are mandated to incorporate a statement affirming my right to contest the debt within a 30-day period, along with the specific end date of said period, which was conspicuously absent. My unawareness of this omission has consequently deferred my response to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer XXXX XXXX  XXXX consumer XXXX This cfpb complaint has been filed to request pursuant to fcra 605b ( 15usc1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consist of the following accounts 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulant charges offs and collections appearing on my consumer fico report maintained by you were not opened, made, or initiated by me.all of the aforementioned collections/charge offs are the result of idenity theft and fraud.i have attached a copy of the FTC identity theft criminal complaint XXXX XXXX  as proof from the US Federal trade commission that all the aforementioned consumer collections and charge offs are the result of idenity theft and fraud 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 2024-09-06 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: CITIBANK, N.A.
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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