vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these 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 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 XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANNER CORPORATION
State: CA

Complaint narrative:
An FCRA 609* ( e ) request ( inclusive of all the appropriate documentation as suggested by FTC.gov ) was sent to Banner Bank HQ and received according to tracking on XXXX.Banner Bank has been non responsive. I have followed up by phone and email over a dozen times. There has been an outright refusal to supply me with contact information such as the legal department, fraud department, etc.I was told to email XXXX. I found through some SEC filings some email addresses, names etc. and made many attempts to contact those people. Absolutley nothing. The FCRA gives 30 days for the bank to provide by law information. Nothing. 30 days has come and gone. 
The 609 e request was after I alerted Banner Bank on XX/XX/year> that I received NSF checks at my address. 
Here 's what happened : An individual ( XXXX XXXX XXXX ) crossed the border into the XXXX from XXXX. He walked into Banner Bank XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX. 
Banner Bank opened a business checking account and without my approval used my address as place of business. 
XX/XX/year>, I began receiving Banner Bank solicitations at my home address XX/XX/year> I received another letter from Banner Bank with checks returned for insufficient funds XX/XX/XXXX, I called Banner Bank and explained my situation, completely unsympathetic as I am not an account holder, the rep suggested I hire a lawyer and told me to go to my local branch. I met with XXXX XXXX, Branch XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX with proof in hand, she copied my license and told me she would submit for an investigation. 
XX/XX/year> I spoke with XXXX XXXX at the XXXX WA branch. She asked me if I knew an individual by " XXXX ''. I said yes, told her he had had run ins the the XXXX here in California. She told me she was escalating to their Fraud Department. 
I have filed criminal complaints here at the XXXX XXXX XXXX Department, XXXX WA XXXX as well reports to : FTC, Identity Theft Report # XXXX dated XX/XX/year> Consumer Report to the FTC, # XXXX XXXX complaint submission id : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX Better Business Bureau I find it odd that if there truly is an investigation, why no one, absolutely no one has reached out to me. 
Additionally, by sending me someone else 's cancelled nsf checks, Banner Bank has a PII and security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I am reaching out for your assistance concerning the false account on my credit report. This issue has tarnished my reputation as a customer, and I need your help in having these wrongly reported accounts removed.

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 2024-12-09 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: GA

Complaint narrative:
According to this section of the FCRA : The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2.

I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately.

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 2024-12-09 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: GA

Complaint narrative:
According to this section of the FCRA : The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2.

I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-09 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, experian data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2024-12-09 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My HELOC initially established with XXXXXXXX XXXX was unfortunately sold to Shellpoint Mortgage as of XX/XX/year>. Once I finally received notification of the sale, I attempted to create my account online, but after several failed attempts, I was assisted by customer service XX/XX/year> and was able to make my payment. I began making additional payments in addition to the interest only payments to bring my balance down, however Shellpoint was inappropriately applying, backing out, attempting to charge for fees for " phantom payments '' I didn't make over the couple of the past 4 months. 

I'd successfully paid the balance down to {$49000.00} as of XX/XX/year>, only to be told on Friday, XX/XX/year> that although Shellpoint had created 3 different statements, 2 of which showed I had no payment due for XXXX, and one showed a {$100.00} payment, it was my fault my account was now showing past due as I should've realized based on the finance charges my amount due was incorrectly reflected on the 3 statements I received. I was also advised they could go back and correctly apply my payments, however, it would result in my XXXX payment being reflected as past due. I was also advised they had discrepancies and issues with statements in XXXX incorrectly reflecting the correct amount due, but they were not aware of issues after that time. Again, I have 3 different statements for a given month, contrary to what Shellpoint advised their agents to communicate. 

As I explained each time I was contacted by the company and each time I've followed up to ensure I remained current, each of the payments I made after my initial XXXX payment was paid online. I have paid an additional payment to ensure I was paying more than the interest owned. The payment made for XXXX was intended to account for the {$100.00} interest only payment due as well as an additional {$100.00} towards my principle. I was told as of Friday, XX/XX/year> my current balance is {$49000.00} and I would need to make an additional payment of {$170.00} to bring my account current. Shellpoint has consistently incorrectly applied my payments and I'm to bear the responsibility of their predatory lending practices. Their system, accounting errors are the reason my account is showing past due and they should be held accountable for their errors. My account should not only be made current, but my balance should also be adjusted.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to validate the account XXXX on my credit report. Despite submitting a dispute and requesting verification over XXXX  days ago, XXXX has not provided the legally required documentation within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). This failure to validate and continued inaccurate reporting has negatively impacted my credit profile, causing financial harm and emotional distress. 

Specific Violations Failure to Validate Debt Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires credit furnishers to verify disputed information within XXXX  days. XXXX failed to provide proof of the account 's validity within this timeframe. 
Impact : Continued reporting of this unverified account damages my XXXX XXXX and limits my access to credit opportunities. 
Failure to Ensure Accurate Reporting Violation : FCRA XXXX ( b ) Obligation to maintain maximum possible accuracy. XXXX has reported information that can not be verified, violating this requirement. 
Impact : Inaccurate reporting has resulted in higher interest rates, denials of credit, and financial hardship. 
Failure to Delete Unverified Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires that any disputed item that can not be verified within XXXX  days must be deleted from the credit report. XXXX  has not removed this account despite failing to provide verification. 
Impact : The accounts continued presence on my credit report has caused undue financial and emotional stress.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  XXXX was added to my credit report, and I requested information on who provided them with this. I have proof that it didn't come from the XXXX  court.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX  XXXX was added to my credit report, and I requested information on who provided them with this. I have proof that it didn't come from the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I received letter from XXXX around XX/XX/2023 stating I had to start making my payments to them. I understand that they are not a financial institution and based off my contract with XXXX XXXX  it suppose to be with a financial institution but I needed my car so I continued to pay them because they were repossessing people cars. I just paid them off which was around {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: KS

Complaint narrative:
Looked up credit report and seen this company name on my report to collect a debt XX/XX/year>. Want to report identity theft don't know this company have never did business with or communicated with this company just show up on my credit reports without any of my knowledge and consent. I'm requesting verification/validation of this debt, copy of the contract or agreement signed by original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned documents is not verification of the alleged debt. Also note whether this that is within the statue of limitations and how that was determined. You are on notice that you are unlawfully attempting to collect the above listed debt. Cease and desist all collection activities, including reporting to the consumer reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief