vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I appreciate your efforts to correct some of the inaccurate information previously reported on my credit file. However, I am currently unsatisfied that your examination fully complies with the Fair Credit Reporting Act 's guidelines. I believe that further action is required on the remaining accounts to ensure maximum possible accuracy on my credit file. Therefore, I request a reinvestigation of the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 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:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I appreciate your efforts to correct some of the inaccurate information previously reported on my credit file. However, I am currently unsatisfied that your examination fully complies with the Fair Credit Reporting Act 's guidelines. I believe that further action is required on the remaining accounts to ensure maximum possible accuracy on my credit file. Therefore, I request a reinvestigation of the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.

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 2024-07-19 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, Bill and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which is only 2 required by the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-19 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: TX

Complaint narrative:
I am appalled by the lack of responsibility on your behalf. When is the XXXX, Experian, and XXXX going to fix all the erroneous information on my personal credit file? For the past months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted each of the following companies regarding the requests of my credit reports from potential creditors that I did not apply for credit. here are the list of inquiries that are fraudulent and needs to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I reached out to Transunion and requested that they conduct an investigation they refused.

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 2024-07-19 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Upon reviewing my Escrow statement for the year, I was told that I had a shortage of XXXX dollars due to my home owners insurance. In XXXX of this year, I switched insurance companies and made the payment for my insurance out of my own pocket. I advised them on XXXX that the insurance and property taxes not longer be paid by them. I also asked that they close my escrow account as I believed that it was being miss managed and they were holding to much at anytime in the account. 

I never received any documents on this. When I questioned them on this over the phone they advised that they had sent it through USPS. They advised me to contact my Post Master General. It should be noted that all of my mail is scanned and I am sent a photo of what letters I am getting daily. I have received lots of letters from them asking if I want a HELOC loan but never received these documents. 

I then called them and the documents were finally sent to me via email, they stated that it they could not approve it because I did not have more then 80 % equity in my home from my original appraised value. 

Along with the homeowners insurance and my property taxes my mortgage company is charging me XXXX for a Rural House Fee. When I questioned them about this they stated that it was all part of a USDA loans. I have contacted the Missouri USDA loan office and they did not know what this charge was. 

On XXXX after I had switched insurance companies I sent them information on my new insurance policy. They then took it upon themselves to contact my insurance company and pay my insurance premium. I contacted them and they stated that they had been requested to pay it by the insurance company I advised them that the note that showed that I had insurance did not have a bill to which was left blank. 

After I expressly requested in a written message to the mortgage company for them not to pay my insurance they went against my wish 's and did it anyway. It should be noted that I paid my homeowner insurance in full for the next 12 months.

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
I received a phone call from CCS Account # XXXX Pin # XXXX stating they were a law firm attempting to collect a debt for XXXX XXXX from ( XXXX ) XXXX, they then told me I was in violation of the law and could face criminal charges, I hung up the phone thinking another SCAM for money! A week later I received a offer letter to pay a discounted fee by a specific date so I paid it not knowing it was a mixed credit file with a family member with the same name. CCS NEVER disclosed to me any documentation I requested according to section 15 U.S.C. 1681g under the FCRA that states I have a right to demand that they disclose to me all the documents that they have retained in their files that I requested concerning the account they are reporting in my credit report. Section 616 & 617 clearly states that I have a right to seek relief and monetary damages for reporting unverified accounts on my credit report. 15 U.S.C 1681i ( a ) ( 5 ) ( A ) of the FCRA states CCS is required to promptly DELETE all information which can not be verified in which I paid an account that does not belong to me. ( See check and offer letter attached ) indicating PLEASE SEND ME A LETTER PAID IN FULL and CCS reported I owe {$370.00} on all three credit bureaus. 

CCS is a SCAM COMPANY located at XXXX XXXX XXXX XXXX, MA XXXX and no physical address to be served legal court petitions for their SCAMMING. 

Im requesting an address to serve LEGAL DOCUMENTS for Litigation Seeking Relief and Monetary Damages. Section 611 ( a ) 5 ) ( A ) ( I ) of the FCRA clearly states CCS has not verified this account reported to the credit bureaus and have only parroted what the information provider told them under section 1681i. 
I am filing my complaint with the FCRA and Attorney General of Arkansas CCS Violating the LAW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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 this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello Sir/Maam! 

I'm XXXX XXXX and i want to report the paypal comment because they took my money without any reason and i search over internet and they doing this to many of here paypal users hope you help me because that money is for my mothers medication they took my money last XX/XX/year> Transaction ID XXXX Gross amount - {$460.00} USD i didnt even owe on them because i only accept money from my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/year> Attn : Experian Fraud Division On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/year> - Amount : {$5500.00} My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely

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 2024-07-19 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: NJ

Complaint narrative:
I just pulled my credit report and I recognize some unauthorized inquiries on their that inaccurate can you please remove them According to the fcra these unverified and unauthorized items must be removed its affected my score negatively. 15 USC 1681 ( n )

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

account name - XXXX account number - XXXX, account name XXXX XXXX XXXX account XXXX XXXX account name - XXXX account number XXXX, account name -XXXX XXXX XXXX, account number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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