vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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 have been a victim of identity theft and I have continued to reach out to Experian and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any inaccurate information and account in my credit record that came about due to an alleged fraud or extortion. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I checked my credit report after getting a preapproval for a home loan in XXXX, XXXX and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last XXXX months and have not gotten anywhere. They are very rude and intimidating. JPMCB CARD told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of XXXX, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me XXXX XXXX XXXX XXXX because I am not able to move any further. I am begging for someone to help me with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location. 
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( EXPERIAN, EQUIFAX, and TRANSUNION was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on 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 2022-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing you because I leased my car with US Bank on XXXX. The price of the car when I leased it at the dealership was {$52000.00}. Unfortunately, I was hit by another vehicle on XX/XX/22 and my car is totaled. 
My car insurance informed me they would award me {$62000.00} for the claim. I contacted US Bank on XXXX XX/XX/XXXX and asked them how much it was to buy the car and they said {$44000.00}. The loss department sent my insurance a letter of guarantee saying they will require the entire amount that my insurance is providing which is {$62000.00}. I found that very odd since the price of the car when I bought it was less and I have made 17 payments of {$790.00} which comes to a total of {$13000.00}. 
When I called the loss department, conveniently enough, they don't speak to the customer but only directly to the insurance. I realized that is just so that the company can ask for the entire amount of the money being provided by the insurance. I asked my insurance to request a break down of how they got to the number and they said they don't provide that information either. VERY CONVENIENT AGAIN! 
I made my insurance stop the payment because this is outrageous. A lawyer recommended I buy the car for the {$44000.00} and then the insurance would have to send me the check directly to me. However, when I called the company they said that they don't own the car even though I have explained to them that they do since the payment was stopped and that I want to buy it. So, what they did is transfer me all day and then they say I must speak with the loss department, but the loss department won't talk to me, only to my insurance. 
This car leasing company is pocketing {$18000.00} from my insurance claim that does't belong to them.

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 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I sold my property located in XXXX, AZ. Prior to closing, I received a copy of the payoff statement submitted by BSI to XXXX XXXX. I called BSI on XX/XX/XXXX, because of a late fee of {$38.00} on the statement. I spoke with XXXX who confirmed that my monthly payments were all paid on time and the {$38.00} will be refunded when the account is paid in full. The purpose of this late fee is if the title company does not pay the loan off before the fifteenth of the month. 

I signed closing documents on XX/XX/XXXX, and the buyer signed on XX/XX/XXXX. The title company received all the necessary documents, closed escrow, and funded on XX/XX/XXXX. On XX/XX/XXXX, I called BSI and spoke with XXXX. She confirmed the loan was paid off on XX/XX/XXXX, and the balance of my escrow account was {$560.00}. XXXX explained there is a 30-day review prior to releasing all funds from the account. Based on our discussion and the settlement statement, I estimated my refund from BSI would be approximately {$1100.00}, ( {$560.00} escrow + {$38.00} late fee + {$470.00} interest refund ). 

On XX/XX/XXXX, I received a refund check for {$560.00}. The check did not include a breakdown of the refund. About a week later, I received the Final Analysis Statement. This document is only a breakdown of my escrow account and is consistent with what XXXX at BSI told me about my escrow balance. I have not received an additional check for the refund of my interest or the late fee. I am including both documents in this complaint. On XX/XX/XXXX, I called BSI and spoke with XXXX. I asked for an explanation of my refund and that I do not see a credit for the late fee and interest. XXXX told me the escrow refund is {$290.00}, the interest refund is {$270.00}, and the late fee refund is {$93.00}. These three amounts total {$660.00}, more than the check I received. 

When I told XXXX this amount does not match the check I received, she told me she would refer the account to the Payoff department and call me back. As of today, XX/XX/XXXX, I have not received any additional correspondence or a phone call from BSI about my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND ONE HARD INQUIRY ON XX/XX/XXXX. I HAVE CALLED XXXX XXXX ON XX/XX/22 AND THEY SAID THAT THIS " BAD '' INQUIRY WILL BE DELETED AND REPORTED ACCORDINGLY TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND 3 HARD INQUIRIES. I HAVE CALLED XXXX ON XX/XX/22 AND THEY SAID THAT THE FRAUD HARD INQUIRIES WILL BE CONVERTED TO SOFT INQUIRIES ( not deleted ) AND THEY WILL REPORT TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. I REQUESTED FULL DELETION BUT THE REP DID INSISTED ON CONVERSION TO SOFT AND NOT DELETION. 

I HAVE FROZEN MY CREDIT, AND REPORTED THE THEFT TO THE LOCAL CITY POLICE, AS WELL AS REGISTERED ON IDENTITYTHEFT.GOV. IN ADDITION, I HAVE ADDED FRAUD ALERTS WITH ALL 3 CRAs and MOST CREDIT CARDS, AND BANK ACCOUNTS. I HAVE YET TO FILE A " VICTIM REPORT '' WITH ALL 3 CRAs. 

I WILL ALSO REPORT THIS THEFT TO THE IRS, AND SSA.

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 2022-07-25 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Pursuant to Title 31 U.S.C 3729-3733 of the False Claims Act ( FCA ) LVNV Funding LLC is attempting to collect a debt which is not owed by I XXXX XXXX the consumer. I have no prior relationship or contractual association with LVNV Funding LLC. LVNV Funding LLC was not given authorization or permission to have my SSN number or personal identification information nor did I give them authorization or permission to share this information with any third party vendors. LVNV Funding LLC has obtained my information by aggravated identity theft in accordance with Title 18 U.S.C 1028A. LVNV Funding LLC is fraudulently using my SSN number and personal information to get me to make payments on a alleged debt not owed by using the consumer reporting agencies to extort and coerce me into paying the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccuracies on the following accounts. XXXX is being reported as paid, no balance with XXXX late payments. 

XXXXXXXX XXXX XXXX is being reported as a different last activity date, a different balance, different report dates and different status, one is paid the other is collection. Experian has been 30 days to investigate these inaccuracies and has failed to do so. I have attached my letter requesting an investigation into this in accordance to the FCRA.

FCRA additionally states that if a credit bureau can not validate the legitimacy of the inaccuracies that they must be deleted.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX XXXX 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

ACCOUNT MANAGEMENT SER ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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