vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Request to Correct and Delete Personal Information Dear who it XXXX concern, I am writing to inform you that I believe my personal data XXXX have been compromised or leaked. As a result, I request that you update and correct the personal information on file with your bureau. 

Here is the correct information that should be on record : Full Name : XXXX XXXX Cell Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX Employer : XXXX XXXX Furthermore, I request that all other personal information that is not listed above be deleted from your records to protect my privacy. 

Please confirm receipt of this email and provide me with a status update on the actions taken regarding my request. I understand that you may need to verify my identity, so please let me know if you require any further information or documentation from me. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-18 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. 
Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
XXXX Accounts to Be Deleted : XXXX. Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Unauthorized Inquiries to Be Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. 
Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
XXXX Accounts to Be Deleted : XXXX. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX. Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Unauthorized Inquiries to Be Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - 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 2024-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DLF Law Group, LLC
State: ND

Complaint narrative:
On XX/XX/year> XXXX Equities ( Dobberstein Law Firm ) filed a small claim lawsuit in XXXX XXXX XXXX, XXXX Wi. The date of the hearing was XX/XX/year>. They mailed communications to me to an address in WISCONSIN I DO NOT reside at, causing me to receive documentation late. On XX/XX/year>, they mailed a letter to me regarding the debt, amount owed, and that I have until XX/XX/XXXX to dispute the debt. This was sent to my new address in NORTH DAKOTA. I was not given XXXX  days to dispute. They went ahead with the lawsuit and because I was not able to appear ( I do not live in Wisconsin ), they filed the judgment against me. I thought I had until XX/XX/XXXX, per the letter. They are now attempting to garnish my wages. I spoke with an attorney in Wisconsin who advised they can not do this because they have to file something with my new state, which this debt collector/law office clearly knows my new address since they sent me the debt letter AFTER they filed the lawsuit. I wasn't even aware they had my debt. From my understanding, they are supposed to allow you XXXX  days to dispute prior to filing any lawsuit. I have been attempting to reach this office. I called the courthouse who provided me contact information. I also used the contact information on the form they mailed me. I have attempted calls and emails. They do not answer the phone. They do not respond to emails. I started putting delivery and read receipts on my emails. I also received a letter from the court house dated XX/XX/year>. I didn't receive this until XX/XX/XXXX. They sent it to my old address in Wisconsin. I have copies of the envelope that shows it was mailed, and then the yellow sticker from the post advising it was rerouted on XX/XX/XXXX. I am not getting my mail because they obviously didn't inform the judge of my new address they clearly had. I am not sure where to go from here. I wanted to be treated fairly. I wanted to have my 30 days to work out a payment arrangement with them, as I could have had this paid off by the end of XXXX, but they will not answer or respond. 

Dobberstein stated they released the garnishment. The garnishment was not released. My wages were garnished in the amount of XXXX for a check dated XX/XX/year>. This firm did not notify me of this legal action properly or follow my state 's requirements of notification of legal action, and they did not notify North Dakota of this garnishment. My wages are being garnished even though I attempted to work out a payment plan. This firm needs to be investigated. Additionally, they are requesting the ages of my dependants. This is not legal and is a form of harassment. They did not provide me with XXXX  days to dispute the debt or request further information before taking me to court. They filed the court case before doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
I have requested debt validation as well as ceast and desist because I have no knowledge or have I approved this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXX BANK XXXX XXXX XXXX - XXXX - {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXXXXXX BANK XXXX XXXX XXXX - XXXX - {$360.00}

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 2024-12-18 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-12-18 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: AL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2024-12-18 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-18 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: TX

Complaint narrative:
The inquires below is not mines, please delete. 

XXXX details XXXX ( XXXX ) XX/XX/year> XXXX ( Bank ) XX/XX/year> 2024

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 2024-12-18 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
I have reasons to believe that there where XXXX XXXX consumers who was part of a data breach I believe I was XXXX of them and this is why I cant figure out who these companies are and how did they get my SSN I am requesting to have all my address job inquires charge off everything removed from my credit report no matter what its called. According to the XXXX XXXX XXXX XXXX XXXX ) regulations, if a firm under their jurisdiction experiences a data breach, they are required to promptly notify affected individuals in a clear and fair manner, and must implement proper complaint handling procedures ; essentially, they are held accountable for protecting customer data and must take swift action in case of a breach, potentially facing penalties for failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
I have reasons to believe that there where XXXX XXXX consumers who was part of a data breach I believe I was XXXX of them and this is why I cant figure out who these companies are and how did they get my SSN I am requesting to have all my address job inquires charge off everything removed from my credit report no matter what its called. According to the XXXX XXXX XXXX XXXX XXXX ) regulations, if a firm under their jurisdiction experiences a data breach, they are required to promptly notify affected individuals in a clear and fair manner, and must implement proper complaint handling procedures ; essentially, they are held accountable for protecting customer data and must take swift action in case of a breach, potentially facing penalties for failing to do so.

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 2024-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
For 20 years, I have been accused, harassed, and threatened from XXXX in regards to a XXXX Loan dated XX/XX/year>. I have attached my XXXX Loan account from XXXX XXXX XXXX. There is NO RECORD of any Student Loans on File - there are no DISBUSEMENT 's of any Student Loan Funds recorded on File - PLEASE SEE ATTCHED DOCUMENT from 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my financial reputation and emotional well-being. 

Violations : Denial of Access to Credit Report : XXXX refused to grant me access to my credit report despite providing valid identification, including a utility bill, drivers license, and Social Security card. This violates FCRA 609 ( a ), which guarantees consumers the right to access their credit report. 
Reporting Inaccurate Public Records : A dismissed bankruptcy ( Case # XXXX ) is inaccurately listed in my credit report. Dismissed bankruptcies provide no debt relief and should not harm a consumer 's credit. 
Failure to Investigate Disputed Accounts : I disputed several accounts on my credit report, but XXXX failed to provide documentation validating these accounts, including : XXXX XXXX XXXX : A collection account. 
XXXX XXXX XXXXXXXX XXXX : Reporting a balance that exceeds the original credit limit. 
XXXX XXXX, XXXX XXXX XXXX, and others. 
Harm Caused : Denied access to credit due to inaccurate reporting. 
Financial losses from higher interest rates on existing accounts. 
Emotional distress and damage to my credit reputation. 
Requested Resolution : Compensation : Actual damages for financial losses : {$10000.00}. 
Statutory damages under FCRA 1681n : {$1000.00} per violation. 
Punitive damages for willful noncompliance. 
Corrections : Immediate removal of the dismissed bankruptcy and unverifiable accounts, all inquiries which I did not authorized. 
A detailed explanation of the source of inaccurate information. 
Proof of Compliance : Documentation showing how XXXX will ensure compliance with the FCRA moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I contacted Shellpoint mortgage on XX/XX/year> and XX/XX/year> to ask for my mortgage escrow to be adjusted as I changed insurance carriers from XXXX XXXX to XXXX XXXX. This change resulted in a savings of {$8000.00}. My escrow adjustment was calculated off the old insurance. To date, I have not received an adjust and continue to receive mailed communications from ShellPoint that they need more time to look into the matter. I believe this is a delay tactic and needs assistance. Documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
Reissuing this complaint because Flagstar responded to my claim, but failed to even mention the issue in their response. They even wrote someone else 's name in their response, even though my actual name was published directly above it. The CFPB should have never closed this complaint as it was never resolved. 

Flagstar transferred my loan to another company that was effective XX/XX/year>. My home insurance was set to expire XX/XX/XXXX. I got a call from my insurance company on the XXXX saying my insurance wasn't paid. I called my new loan company and they said it was up to Flagstar to pay my insurance since they were supposed to issue the payment at least three weeks before the expiration. Due to this failure of Flagstar, I was forced to pay my home insurance of over $ XXXX out of pocket in order to prevent my insurance from being canceled.

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