vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 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 2024-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
contacted XX/XX/XXXX by XXXX XXXX XXXX, claiming to be a process server and advised to call XXXX. 


I called and the number led to XXXX XXXX XXXX. I spoke at length with XXXX XXXX, and was informed that the FTC is suing me for " Fraudulent Loans '', stemming from a surrendered XXXX XXXX XXXX that was voluntarily surrendered back to the finance company in XXXX. My bank accounts were threatened to be seized, which would render me unable to pay my monthly bill obligations. XXXX XXXX said he would contact Citi XXXX XXXX XXXX and try to work a number to my benefit. I explained that this debt was already paid in XXXX, and I offered to provide proof of the payment. 

XXXX XXXX called back after XXXX hours ( roughly XXXX XXXX  EST ), and said that Citi would credit me 35 % of the money owed, stemming from my claim of already having paid {$4800.00}. XXXX XXXX said that Citi did not see the payment in any manner in their system, and that I likely was scammed. 

He then offered to have me render a payment of {$980.00} via overnight mail and advised me NOT to use United States Postal Service. XXXX XXXX stated " This payment must be presented prior to XX/XX/XXXX - really by Friday- as this is the filing date the FTC/Citi intended to utilize in order to seize my accounts. 

He gave me the address to remit the payment to as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A cursory XXXX search shows this address to be a Co-Op of businesses/virtual businesses with a central secretary on site, and the tenants of XXXX XXXX are XXXX XXXX XXXX XXXX Citibank, being a rather large corporation, does not fit this profile.

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 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
XX/XX/year> My mortgage is with XXXX Mortgage out of XXXX XXXX. 
I owed approximately {$11000.00}. I sent {$11000.00} XXXX through my bill pay in late XX/XX/year>. I received a notice that my check was returned approximately XX/XX/XXXX. Payment is due by the XXXX. I was on vacation and realized that it was returned by XXXX mortgage company and if I didn't jump on this my payment would be late. I sent a check for {$2000.00} which is slightly higher than the required amount. They typically apply the difference to the principle. I also sent an additional {$9000.00} to have that applied to the principle and expected to then once that was applied deal with the small amount to pay off the mortgage. I have called many times to work through this with them and got a verity of answers. Both with there recorded messages and verbally. They did not apply the {$9000.00} to principle but only {$5100.00} to additional monthly payments and rest to escrow. 
I spoke to XXXX who was suppose to go back and rectify this and apply all {$9000.00} to principle and call me back after I sent in a signed document to have this done. He said he would take care of this and call me back. This was the XXXX and now it is the close of business the XXXX and have heard nothing. I can't believe the way this whole thing has been handled from the beginning. The errors that have occurred are all to their benefit. ( late payment if I had not caught it, extending the payments out several months rather than apply to principle, applying funds to escrow rather than principle. ) I had to wait a couple of days to report this because I needed time to cool down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: PA

Complaint narrative:
( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not related to any transaction by the consumer.

Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports.

15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title.

Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Attorney General 's Office in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
During my dispute with Experian. I called and was asked to upload proof of documentation showing my contract with XXXX and showing the account and payment amount with my contract. Experian sent a letter stating their inaccurate information is correct. This investigation was not done by human eyes but yet by XXXX, which I didn't consent to. This is fraudulent reporting. This investigation was not a XXXX investigation but rather a XXXX investigation. This is a clear violation of my consumer rights.

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 2024-10-17 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: NC

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 15 USC 1681. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Equifax credit report on XX/XX/XXXX, and I noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 ( e ) ( b ). Also, according to 15 USC 1681i ( 5 ) they're suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they're suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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 recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as XXXX separate accounts on Transunion ( acct # 's : XXXX and XXXX ). On XXXX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on XXXX, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.

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 2024-10-17 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:
I recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as XXXX separate accounts on XXXX ( acct # 's : XXXX and XXXX ). On EQUIFAX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on XXXX, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
identified inaccuracies on my credit report regarding 15 USC 16c-2. The inquiries listed were unauthorized and are lowering my credit score. Kindly remove all unauthorized inquiries. 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 explanation
Consumer complaint received 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I was involved in a scam that ultimately ending up taking XXXX $ from my Usaa account. After Usaa investigated they told me they could do nothing and Id just simply have to accept the loss as its my fault for being scammed.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

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 15 USC 1681.

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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I had gotten a loan to pay for my solar panels and a roof back in XX/XX/XXXX in the amount of XXXX. I called Mosaic on XX/XX/XXXX to let them know about paying them for solar panels while I'm still receiving and pay an electric bill. I was told that solar would help with no electric bill. I was asking Mosaic on how i could be relived of paying for the solar panels that are not working. I was told no. I tried to explain that paying is causing me financial hardship with paying for solar and an electric bill. I was asked by Mosaic to get another company for the solar panels. I was referred to another company that supposedly had taken XXXX place. To my surprise they said I no longer had a warranty because of XXXX XXXX XXXX of business and that I will need to pay them to come out an assess the solar panels. I cab not afford to pay anyone or anybody. Also, I noticed that on my Loan Agreement the Loan # is XXXX but on my monthly statements the Loan # is XXXX. This discrepancy is showing red flags. 
I'm at my wits end with this. I'm in need of a solution.

Company response to consumer: Closed with explanation