vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: NC

Complaint narrative:
While working with a mortgage underwriter to purchase a home, I discovered that my identity had been stolen. Several fraudulent accounts, including personal loans and credit cards, had been opened in my name without my knowledge. Before this, I wasnt educated about credit management and did little to understand my consumer score. This discovery was shocking and derailed my home-buying process, but it also forced me to confront gaps in my financial knowledge. Since then, Ive protected my credit and learned more about my financial health. This experience, while distressing, has made me more resilient and financially aware. Below is the list of the fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2024-09-07 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: NC

Complaint narrative:
Equifax has included negative information reported by third-party debt collection agencies on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Equifax nor the reporting agency has provided this evidence. This raises serious concerns about Equifaxs compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. I respectfully request that the CFPB investigate Equifaxs practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My heloc has been bought and sold many times in the past 18 years. I havent made a payment in over 14 years. I live in NJ where the statue of limitation is 6 years. My lender has been harassing me with phone calls and notes on the door until I got an attorney. They are foreclosing on me now which I dont believe they have a right to do. My loan was recently transferred to Shellpoint Servicing which the communication has been aweful. Any help you can provide would be greatly appreciate.

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 2024-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NM

Complaint narrative:
During the Pass 2 Years more or less, I have received Mail from different Collections agency 's at my home right after I place my complains with evidence, Some of this Collection Agency 's have drop there case and close do to the Evidence provided from XXXX XXXX, I posses issue back on, Tuesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has been provided to cfpb and collection agency 's. 

A new collection agency seem recently to take over same issue, were I have place my complain before. I'm tired of this harassment 's by XXXX XXXX, ONE THINHG HAVE NOTICE AND IS A the difference between this company and other this company did not provide any federal regulation information on back of the letter wich is required by law, just like the law states, in case for me to place a complain, but I know the law and my consumer right, see letter front and back provided by this company call SYSTEM, Including envelope were it was deliver to my house. 

I have provided to XXXX XXXX in the pass all evidence and police Report of a identity Theft including police report. 

I can't stretch this any more therefore, I ask the FTC, and the CFPB to please do not discard this letter or place back burner. 

I understand my consumer rights, and if this don't stop here, I will like the FTC to take over this case, from Know on. 

Please note all cases by Previous agency 's been close and How XXXX XXXX continue to Harassment.

False Statements are not right is why some of this company 's have drop there cases please note original complain back XXXX XXXX, XXXX this must stop by XXXX XXXX XXXX, please see documents provided on this complain. 



( Fair Debt Collection Practices Act Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), Please stop the Harassment.

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 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2024-09-07 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
My name is XXXX, XXXX. I remitted money to XXXX through XXXX XXXX on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: VA

Complaint narrative:
The lowered my FICO score for no legitimate reason from XXXX to XXXX, and they refuse put it back to at least 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 2024-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I refinanced my mortgage ( with XXXX XXXX XXXXXXXX ) and HELOC ( joint with my husband XXXX XXXX with USAA into a new loan ( just in my name ) with XXXX XXXX XXXX. The disbursement on the funds for both payoffs were sent on XX/XX/XXXX after the recessionary period. XXXX XXXX XXXXXXXX paid off the first mortgage immediately. USAA signed for the payoff check on XX/XX/XXXX but it still open with the balance as of today, XX/XX/XXXX, and has not been paid off. The HELOC department told me that they had received the check in the Mailroom but they can not locate the check. They told the attorneys office as well that they would have to look for the check. In the meantime they are reporting my account as past due on my credit. We have never been late on our HELOC or any mortgage for that matter. 
Our HELOC matured in XXXX. We have tried to work with USAA since XXXX to get it renewed or rolled over for payments and they had us fill out papers to get this done. Then in XXXX they said we could not qualify to have it redone so I had to look for a way to consolidate the first and second mortgage and got this accomplished and completed in XXXX. But now they have told me today it would take 3 weeks to locate the check.

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 2024-09-07 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: IN

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of XXXX in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.

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 2024-09-07 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:
TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the XXXX XXXX breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Reason for Dispute : Account created due to breach, identity theft, and unauthorized access. 

XXXX XXXX Compliance and Dispute Codes : Compliance Condition Code : XXXX ( Consumer Disputes This Information ) Dispute Reason Code : 103 ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts. 

Implementation of a fraud alert and security freeze to prevent further fraudulent activity. 
Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, 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 2024-09-07 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following account XXXX funding XXXX {$16000.00} XXXX following address XXXX XXXX way XXXX XXXX west XXXX XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX 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 2024-09-07 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/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 2024-09-07 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:
XXXX XXXX XXXX ATTN CREDIT DISPUTES XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX. 

Account # : XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication.In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, 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 2024-09-07 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: MN

Complaint narrative:
No knowledge of this account. This is not my account. 
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Pre-Arbitration Notice Regarding Incorrect Reporting of Late Payments Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of late payments on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681 and 15 U.S.C. 1666b. 

I have recently reviewed my credit report and noticed that several accounts are reflecting late payments that I believe are inaccurate. As you are well aware, the FCRA mandates that all information on a credit report must be both fair and accurate. Incorrect reporting of late payments can have severe and long-lasting impacts on my credit score, potentially affecting my ability to secure loans, credit, housing, and even employment. 

It is crucial to me that my credit report accurately reflects my payment history. I am requesting an immediate investigation and correction of these inaccuracies. Enclosed are copies of supporting documents that substantiate my claim that these late payments were either inaccurately reported or never occurred. 

If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect my rights under the FCRA. This could include filing a lawsuit to seek damages, legal costs, and attorney fees as permitted under the law. 

To provide clarity on the potential legal costs, here is a breakdown : Attorney Fees : Depending on the complexity of the case, attorney fees could range from {$200.00} to {$500.00} per hour. In a straightforward case, this could amount to {$2000.00} to {$10000.00}. 
Court Filing Fees : Filing a lawsuit typically incurs a fee ranging from {$100.00} to {$500.00}, depending on the jurisdiction. 
Other Legal Costs : Additional costs such as deposition fees, expert witness fees, and other litigation expenses could add another {$1000.00} to {$5000.00} to the total cost. 
I hope we can avoid these unnecessary costs by resolving this matter promptly. Please confirm the receipt of this letter and initiate the investigation into my dispute. I expect a timely response as outlined in the FCRA, and I look forward to a fair resolution. 

Thank you for your immediate attention to this important matter. 

Sincerely, 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