vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: OH

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: OH

Complaint narrative:
I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED XXXX, EQUIFAX, AND XXXX VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: OH

Complaint narrative:
I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED EXPERIAN, XXXX, AND XXXX VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-07 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: VA

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am writing to you with a sense of urgency and a request for your immediate assistance. Upon a diligent review of my credit report, I have identified information reported by Sallie Mae that seems incorrect and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA endows me with the right to dispute inaccuracies and mandates furnishers to report information that is both accurate and substantiated. In light of this, I am respectfully requesting a re-investigation of the aforementioned items and if they can not be verified or are indeed inaccurate, a prompt correction or deletion from my credit report. 

Enclosed are copies of documents supporting my claim. I trust that Sallie Mae will honor its commitment to uphold the FCRA by investigating this matter thoroughly. 

I expect to receive a written confirmation of receipt of this communication and, following your investigation, a detailed explanation of Sallie Mae 's findings and the corrective actions that will be taken. Please understand the gravity of this issue on my financial standing and address this matter within the mandated 30-day period as per the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been told by my mortgage company Newrez that they have placed lender based insurance on my property due to me not having insurance from XXXX of XXXX to the present. I live in a condo so my building and my insurance information is needed. I have been providing them the proof of insurance documentation since XXXX of XXXX, when this was brought to my attention and my payments went up almost {$400.00}, showing that we have been current the entire time and they have yet to apply the update to my payment information, therefore requesting that I pay the difference. I have called numerous times and get a different answer on every call. The most recent being that they just updated the account XX/XX/XXXX with the proof of insurance and that I will have to wait an additional XXXX days to have this addressed, while I am also required to keep calling and checking the status. Meanwhile, I am getting collections notices and calls stating that I have not made payments. The supervisor that I spoke with today stated that I am being allowed to make my payments in the amount of my " previous '' disclosed amounts in the mean time, which I have made monthly. I am not being helped and in the mean time it feels like they are ripping me off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting my score at XXXX. Which is correct as my identity has been compromised. Multiple request have been submitted to Experian and they have failed to complete a thorough investigation. They have failed to provide me with all measures they have taken to investigate the matter and still have not changed my credit score which has prohibited me from getting a car loan and being approved for a mortgage loan.

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: OH

Complaint narrative:
Interest is very very high .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
These inquiries are not associated with me, and I did not give authorization for them. I request their prompt removal 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-07 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: MS

Complaint narrative:
These XXXX XXXX XXXX XXXXExperian Have refused to remove these fraudulent hard inquiries off my credit report. It is affecting my over all credit score. I have disputed these items over and over. And yet they refuse saying its valid but theres no proof .I have reached out to these companys who stated they have no records of me at all. I have attached my credit report as proof.I never gave permission to any of these companys to review my credit. XXXX XXXX is the only non fraudulent inquiry .All others are fraudulent. I do not recognize the following. 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

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 2024-03-07 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: NY

Complaint narrative:
Dear XXXX : I hope this message finds you well. I am writing to bring several incidents of identity theft to your attention, which have significantly impacted my credit report. The incidents are documented as follows : 1. On XX/XX/XXXX, I filed a police report ( Complaint Number : XXXX ) regarding the unauthorized opening of accounts. Despite my efforts, these accounts were not opened or authorized by me. 

2. On XX/XX/XXXX, I filed another police report ( Complaint Number : XXXX ) concerning identity theft issues related to my personal information. 
Accounts listed on credit report : XXXX  XXXX XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into these matters and take the necessary steps to rectify the inaccuracies in my credit file resulting from these fraudulent activities. The false information has significantly affected my personal life, causing stress, XXXX, frustration, and loss of sleep. 
I was planning to buy a house and was never able to do that because of this wrong reporting .Additionally, I afraid that Department of education will start garnishing my salary .I was contacting them on a numerous of occasions but without any success .I truly believe that you are the only one who can help Once your investigation is complete, I would appreciate receiving a copy of my credit report reflecting the accurate and updated information. Additionally, I request that you share this letter with your customers when conveying my disputes, or provide me with the contact details of the relevant individuals at the implicated companies. 

Should you require any further information to support these disputes, please do not hesitate to contact me at my daytime phone number : ( XXXX ) XXXX, you can also communicate with me through my email address at XXXX. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 
I attach my Driver License with my current address, Permanent Resident Card.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I got a call from XXXX XXXXXXXX today about a car and i haven't tried to purchase a car. so i looked at my credit report and I see all of these open accounts that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion, XXXX and XXXX after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/year> I picked up a rental car at XXXX in XXXX, MA. XXXX XXXX made the reservation and was shown on statement as responsible for the bill as their insured had damaged my car. I have attached documents showing XXXX made the reservation, stated they would pay direct or reimburse, and the XXXX bill shows XXXX as the " bill to '' party. 
Enterprise insisted on a credit card from me " ONLY TO COVER GASOLINE, TOLLS '' as it was clear XXXX was paying all charges including insurance. I was surprised to see a credit card charge appear a month later for {$550.00}. I called XXXX and XXXX told me XXXX only paid {$290.00} and I had to pay the rest. I never received any bill for the so-called " rest '', I never authorized use of my card ; it was clear with XXXX I gave the card only for gasoline and tolls if necessary. I asked her to contact XXXX for payment and refund me. She refused. It was easy for her to simply keep my money. 
Both XXXX of XXXX and XXXX XXXX at XXXX have refused to talk with me. XXXX has even refused to show me a bill justifying the {$550.00}. [ I assume for the additional rental days as my car was not ready on the anticipated Friday pickup ]. 
I contacted Citizens Bank XXXX to dispute this unauthorized charge on XX/XX/year>. They have made it impossible to deal with them over the last 8 months. Their customer service attendant will not allow the customer to speak to the dispute dept. they relay messages. I was given a claim number 3 times. The first 2 claims were " lost ''. 
claim XXXX XXXX XXXX I was directed to submit documents by email ( or snail mail ). NONE of my emails were ever acknowledged! Numerous phone calls led to nothing. I received XXXX letter asking for documentation, another saying I had won the dispute and then a month later another letter saying it was reversed. They showed me a copy of the XXXX contract as proof. It was the same contract I had to them! And it showed the " bill to XXXX '' instructions. 
Citizens obstructs at every point in the process making it impossible to communicate. The customer can only leave messages with the customer service person. The form letters that arrive much later in the mail do not address the issues. A simple denial without investigation. 
My credit card was used without my permission, a bill was not presented for the {$550.00}, XXXX will not rectify this nor even talk to me. 
XXXX will not pay the bill nor reimburse me, despite written promises to do so. 
Citizens XXXX has done everything to obstruct my bona fide attempts to dispute this unauthorized use of my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You VIOLATED U.S.C 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) -Congressional Findings.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy. 

I have informed EXPERIAN with proper paperwork confirming the account with XXXX XXXX has been paid as agreed, but still appears on report as negative charge off. 

Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 

XXXX/ BENEFICIARY

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