vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/year> SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Equifax Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Accounts from : XXXX XXXX ( XXXX ) : XXXX XXXX  ( XXXX ) : XXXX XXXX  ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX  ( XXXX ) : And inquiries from : XXXX ( XXXX ) : XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) : XXXX XXXX ( XXXX ) ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Equifax Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be removed from my credit file immediately : Fraudulent Accounts 1. Creditor : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6400.00} 2. Creditor : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6900.00} 3. Creditor : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-14 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: AZ

Complaint narrative:
XX/XX/year> I had submitted a letter to TransUnion LLC asking to verify and validate all data for this account, every notation, dates and balances, whether reported or not. These inquiries were made without my knowledge or consent. I was never provided proof that I consented to these inquiries therefore my consumer rights were violated via FCRA section 609 and 605 as well as the failure to prove accuracy of these inquiries violated my consumer rights via FCRA section 623. I demanded that the accounts were to be removed immediately.

Letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/year> The accounts came back verified. I still noticed the same errors on my credit report. I had then submitted another letter to TransUnion requesting methods of verification giving them additional 15 days. In accordance with FCRA via Section 611 for the accounts listed below, Letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/year> After the 15 days TransUnion sent investigation result REPORT # XXXX these accounts came back verified again. I've sent another letter to TransUnion with a few questions : what did they update? What did they modify? Did they really reinvestigate my accounts? If they did, why is the open date different from the other two credit bureaus, why is the date last active different, why are my accounts still inaccurate? I am demanding the accounts listed be deleted due to violations of 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2. 
Letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I chose not to renew my hurricane coverage with my old carrier. I instead chose to only carry homeowners and contacted Newrez to find out how much it would cost to insure my house for hurricane only for the amount I owed on my loan. They gave me a price for that and when they placed the insurance it was for double the amount I actually owe on my home. They stated that they could secure a lender placed policy on their behalf for {$240000.00} although my mortgage is only {$120000.00}. I contacted them 42 times over the phone and sent them over 30 emails and they refuse to lower the lender placed insurance although at one time the supervisor stated he saw the issue and he would correct it. It never happened. I am not paying for them to enrich themselves on insurance that they would benefit over {$130000.00} more than I owe them if I were to have a total loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - {$8900.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX - XXXX - {$5800.00} XXXX XXXX XXXX  - {$4400.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I was surprised to see several inquiries from your company that I never authorized. These are now impacting my credit score, and its been really stressful to manage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across XXXX, XXXX, and Equifax. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: OH

Complaint narrative:
I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across XXXX, Experian, and XXXX. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.

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 2024-11-14 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:
I am writing to inform you that I have recently become a victim of a data breach, resulting in identity theft and the unauthorized opening of accounts and credit inquiries in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent accounts and inquiries from my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Names and addresses do not belong to me and I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
Names and addresses do not belong to me and I have been a victim of identity theft

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
Recently Checking My Credit Report I Noticed That I've Been a Victim Of Identity Theft and Fond Numerous Credit Inquiries I Have No Knowledge Of Here Are The Inquiries That I've Found : XXXX XXXX XX/XX/year> Please Remove These Fraudulent Inquiries From My Credit Report. I Also Attached My Identity Theft Report As Well.

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 2024-11-14 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: FL

Complaint narrative:
XXXX recently deleted a allege charge off from my consumer report but reinserted it after only a few days without notifying me. under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency must provide written notice to a consumer within 5 business days if a previously deleted item is reinserted into their credit report. I did not not receive any such notice from EQUIFAX. This lack of notification violates my rights under the FCRA and has caused undue stress, affecting my ability to manage my credit and I have been getting denied for a mortgage for me and my wife and children. this has been really a difficult situation for me and my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-14 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: TX

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC
State: AL

Complaint narrative:
Tried several times to make payments on account, my Bank wouldnt never attach to make the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

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 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 2024-11-14 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: MO

Complaint narrative:
I do not consent to XXXX  verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n , 15 USC 1681a , 15 USC 6801, and 15 USC 6802 . There are well over a 100 federal consumer violations EQUIFAX is furnishing with the XXXX XXXX XXXX accounts on my consumer report. I fully intend to pursue arbitration or 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 in reference to me being violated by the XXXX XXXX XXXX reporting 's by EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management has not given me any written notice via mail to properly identify me, if the amount is owed, nor supplied me with the account number to what is owed. They have not spoken to me over the phone, this is the first email I've ever received from them and have not send me formal written notice in mail. They sent an email demanding payment, or they will be handing over my information to an attorney without my authorization of handing over my personal information nor confirming if it is me or the amount I owe. They said if they don't hear from me or receive payment by XX/XX/scrub>XXXX XXXX XXXX MCM may proceed with forwarding this account to an attorney in my state for possible litigation. I have never heard of this debt collector, and they are using scare tactics to receive payment of money. The use of harassment and threat violates the Fair Debt Collection Practices Act ( FDCPA ). They have never received permission to contact me by phone nor email either. I would like a cease and desist to be put into place.

Company response to consumer: Closed with non-monetary relief