vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to XXXX Equifax and XXXX by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to XXXX Equifax and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to XXXX Equifax and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft.

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

XXXX Equifax and XXXX has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to XXXX XXXX and Experian by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to XXXX XXXX and Experian that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to XXXX XXXX and Experian that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft.

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

XXXX XXXX and Experian has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Inaccuracies have been furnished to my consumer report. If a proper investigation was done for accuracy and integrity prior to the reporting of this information Equifax would not be in violation of federal law. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
The collection agency refuses to provide me with my handwritten signature that this is my debt.According to the FCRA this unauthorized unverified account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA I need this unverified address on Experian will not delete this address I have no relation to. I had XXXX XXXX XXXX XXXX XXXX IL XXXX that's not my address and Experian will not remove it and add my new address

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: UT

Complaint narrative:
This company says we owe XXXX. The falsified the papers said we moved out a month and 10 days later than we did signed the documents when other person did not sign the place was rented out less than a month after we moved out they sent us stuff from XXXX and we moved out in XXXX papers for validation of debt was not current the place never fixed anything when you called them dor repairs they are saying we owe more money than we do not to mention this took place during the covid 19 pandemic they would not work with us at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. I requested method of verification and copies of full and signed contracts and they did not produce either items.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights.

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

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

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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 apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 620 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 an account without my written instructions.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

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 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 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My venmo account was hacked and I was able to regain access to it but it looks like someone sent the person that had my account money. Now the person is requesting it back but I dont have the money since Im not the one that received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a VERY unusual issue. In XXXX, I received a letter from Social Security that my XXXX benefits were being terminated since I was supposedly incarcerated in Massachusetts since XXXX. I found this to be a bit humorous since I retired from a XXXX XXXX career in XXXX after 26 years of NY XXXXtate service. Via telephone calls, SS cleared this up within a week but warned me that this severely impacts my credit score. I have been trying to communicate effectively with the credit bureaus but it is futile. Nobody listens. 

Tonight I was told that despite having NO loans, mortgages, car payment, etc ... that my lowered rate is due to my not having enough accounts open. Why do I need unnecessary accounts when I am financially solid and have nothing but a XXXX XXXX history? Why is a financially responsible citizen being forced to open unwanted and unneeded accounts and expose myself to even more fraud? These credit bureaus are out of control.

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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AK

Complaint narrative:
I have been charged 4 times for taxes last year in my escrow account. 
XXXX XXXX and $ XXXX and XXXX XXXX and {$19.00} Im only supposed to be charged 2 times @ {$1400.00} thats in my closing documents.

{$2800.00} is what my total tax payment each year is supposed to be. 

I have had my escrow go into the negative multiple times. I even tried to correct it by PAYING an EXTRA {$1000.00} on XX/XX/2022. Just to have it go into the negative again not even a month later- {$660.00} Caliber Home Loans tax department wont answer my calls. I need help. I cant keep taking time off work to call these buffoons and not even have them answer. They keep telling me to talk to the borough. The borough says its calibers issue. HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
My account number is XXXX the banks stated that my balance was XXXX. So, XX/XX/XXXX I paid {$5500.00} and made a request for the bank to send me, my payment history. I called twice request a copy of my payment history, as of XXXX, since have not received it. I paid XXXX XX/XX/XXXX and my balance was {$610.00}. I didn't receive any decrease in the interest. So, I sent {$610.00} because I wanted my credit report to show the accounts paid off. As Of XX/XX/XXXX, the check for XXXX hasn't been cash and payment history has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report.

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy.

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report. 

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error, also the below are against to the law FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past 3 weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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