vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report due to identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$5000.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/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 2024-12-03 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX reported on my credit report On XX/XX/year> that I owe a debt of {$3700.00}. Upon contacting them to get information in regards to this collection since there was none listed on my report, just the collection company it was stated from the rep that it was transferred to them from XXXX as you can see in my previous report, which was another collection agency from CashNet USA. I have been dealing with CashNet USA since collections has been placed on my report and each time I have to dispute this and here I am again. This collection is almost eight years old from what I have been told and recently started appearing again on my credit report after each prior collection agency returned it back to CashNet USA as they constantly try to collect on a fraudulent account as well as list this in my report. I have reported not only to my credit bureau each time and they all get removed/ I have told Cashnet each time this is not my account, nothing has been sent nor delivered to me for almost 8 years. Upon calling this new collection agency, they had explained that I need a police report. As you can see from my previous complaint, the other collection agency sent my account back to CashNet. Every year it seems as if a new collection agency is trying to collect on this loan of eight years per the new collection company. I am furious as I have done everything possible to get this removed from my report and to not appear on my report every single year. This is not nor has it ever been my account. The rep stated there are a lot of people with my name, etc yet the addresses does not match any address when I asked the address on file. I have never lived at the address they have on and all they do is update it when they ask for a new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to formally request the removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft related to a data breach, these accounts and inquiries were made without my authorization. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to block and delete these items from my report. 
Fraudulent Accounts to Block and Delete XXXX XXXX XXXX- Account Number : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$19000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$4400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$17000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$14000.00} XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX-XXXX XXXX Date : XXXX - Amount : {$2300.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX Date : XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XXXX XXXX - Amount : {$12000.00} XXXX. XXXX XXXX XXXX  XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1400.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$6900.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered several accounts that I do not recognize, which I believe may be the result of identity theft. These accounts include credit cards, auto loans, and other loans with derogatory statuses such as charge-offs and collections. Despite disputing these inaccuracies with the credit bureaus on [ date ( s ) ], no resolution has been provided. 

Below are the details of the disputed accounts : XXXX XXXX : Other loan, no past-due balance, reported as 30 days delinquent. 
XXXX  : Credit card, no past-due balance, reported as a charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$320.00}, reported as collection/charge-off. 
XXXX XXXX  XXXX : Credit card with a past-due balance of {$4000.00}, reported as charge-off. 
XXXX XXXX : Auto loan with a past-due balance of {$20000.00}, reported as charge-off. 
XXXX XXXX  : Credit card with a past-due balance of {$2000.00}, reported as charge-off. 
XXXX XXXX : Auto loan with a past-due balance of {$2700.00}, reported as charge-off. 
XXXX XXXX : Credit card with a past-due balance of {$490.00}, reported as charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$1300.00}, reported as collection/charge-off. 
The total past-due balance for these accounts is {$31000.00}. I have not opened or authorized these accounts, nor am I responsible for these balances. 

I have submitted disputes to the credit bureaus ( XXXX, XXXX, and TransUnion ) but have not received a satisfactory resolution. I am requesting the companies involved to investigate these accounts thoroughly and take corrective action to remove these inaccuracies from my credit report.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered several accounts that I do not recognize, which I believe may be the result of identity theft. These accounts include credit cards, auto loans, and other loans with derogatory statuses such as charge-offs and collections. Despite disputing these inaccuracies with the credit bureaus on [ date ( s ) ], no resolution has been provided.

Below are the details of the disputed accounts : XXXX XXXX  : Other loan, no past-due balance, reported as 30 days delinquent. 
XXXX  : Credit card, no past-due balance, reported as a charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$320.00}, reported as collection/charge-off. 
XXXX XXXX XXXX  : Credit card with a past-due balance of {$4000.00}, reported as charge-off. 
XXXX XXXX : XXXX loan with a past-due balance of {$20000.00}, reported as charge-off. 
XXXX XXXX  : Credit card with a past-due balance of {$2000.00}, reported as charge-off. 
XXXX XXXX : XXXX loan with a past-due balance of {$2700.00}, reported as charge-off. 
XXXX XXXX : Credit card with a past-due balance of {$490.00}, reported as charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$1300.00}, reported as collection/charge-off. 
The total past-due balance for these accounts is {$31000.00}. I have not opened or authorized these accounts, nor am I responsible for these balances. 

I have submitted disputes to the credit bureaus ( XXXX, Experian, and XXXX ) but have not received a satisfactory resolution. I am requesting the companies involved to investigate these accounts thoroughly and take corrective action to remove these inaccuracies from my credit report.

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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Our mortgage was sold to Mr. Cooper in XX/XX/year>. Our escrow transferred from XXXX was whole and we never had any issues with negative balances. Now Mr. Cooper is saying that our escrow is negative but that there are " two separate escrow balances '' one that is visible to us online in our account, and another that is not visible or made readily available to us. We are paying nearly {$1900.00} per month in escrow even though our mortgage insurance, property taxes and homeowners insurance is only {$12000.00} per year. We can not see where our over payments are going. In XX/XX/year>, we sent in our normal payment amount, including the escrow and they did not apply the payment in time before the month end, they held the funds in a " misapplied funds '' account because supposedly an " escrow analysis '' was completed and we are now owing {$340.00} more per month, even though our taxes and insurance have not renewed or gone up.

Our total mortgage, ( principle and interest ) is only {$4500.00} per month, we are paying nearly 20 % more towards escrow, even when the totals do not equal what the expenses will be. It seems to us that our monthly payment has drastically gone up since joining Mr.Cooper and we believe this is not only unfair practices but it is also illegal to our rights as consumers. We have never had our payment change with any other mortgage company, it is not fair to us that because our prior lender sold our loan that we should suffer to fraudulent or misleading practices by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I deposit {$25.00} dollars from my XXXX  debit card into my citi bank account yesterday on the Citibank mobile app it said the {$25.00} was pending the next day it said {$0.00} no record of transaction or anything but on XXXX  XXXX  statement it said posted {$25.00} Citibank online. Citibank sayingbyhry don't have the funds but XXXX  said they do someone stoled my money it didn't just walk and disappear with out a trace I'm glad I didn't deposit my whole check the u would've stolen that too

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 2024-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-03 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: PA

Complaint narrative:
There are accounts on my credit report in pending litigation that should not be there, and despite multiple attempts to get them reviewed and removed, no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery ( acct # XXXX ) has created a collection account with all three credit bureaus claiming I owe {$660.00} to XXXX XXXX XXXX XXXX XXXX. I have contacted Southwest Recovery ( latest time on XX/XX/XXXX ) because the credit bureaus have verified this debt as accurate when I disputed in XXXX and XX/XX/XXXX. Southwest Recovery claims the debt was with an electric company called XXXX. I never had electric service with XXXX. I have requested the credit bureaus remove this item from my credit report because I do not have a contract or debt with XXXX XXXX XXXX XXXX XXXX that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts from my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have accounts and related information blocked from my credit report if they are a result of fraud or unauthorized access to my personal data. 
Please remove the following accounts from my credit file : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts from my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have accounts and related information blocked from my credit report if they are a result of fraud or unauthorized access to my personal data. 
Please remove the following accounts from my credit file : 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

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 2024-12-03 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: IL

Complaint narrative:
I am a victim of Identity Theft following the data breach involving XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/2019 XXXX publicly reported a significant data breach that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI demand that the aforementioned fraudulent items be removed from all 3 of my credit reports.

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 2024-12-03 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: IL

Complaint narrative:
I am a victim of Identity Theft following the data breach involving XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/year> XXXX publicly reported a significant data breach that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan opened at XXXX XXXX XXXX XXXX XXXX a personal auto loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX demand that the aforementioned fraudulent items be removed from all XXXX of my credit reports.

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