vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: NJ

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: DISCOVER BANK
State: LA

Complaint narrative:
I requested a funds disbursement in the amount of {$200.00} from atm. My debit account was deducted in the amount of {$200.00} and {$3.00} for atm fee. I did not get my money I contacted my bank to dispute the charge 4 times each time being denied. I submitted the only documentation that is received from an atm. At the original time of submission the receipt was clear enough to be read. I contacted the atm company using the phone number on the machine only to be informed the number is only to reach the machine tech, I bank with Discover Bank and the atm name is XXXX which is located inside of XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX La The atm slip show that no funds were disbusred

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-04 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: Westlake Services, LLC
State: TX

Complaint narrative:
I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation WESTLAKE FINANCIAL XXXX Date : XXXX Amount : {$9000.00} XXXX XXXX XXXXXXXX XXXX Date ; XXXX Amount : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}

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 explanation
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I have recently received a copy of my XXXX XXXX XXXX credit reports and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These accounts have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently received a copy of my XXXX XXXX Experian credit reports and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These accounts have been detrimental to my life and credit health.

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 2024-06-04 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: WI

Complaint narrative:
I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXXXX/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 2024-06-04 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: WI

Complaint narrative:
I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I would like to be considered for the XXXX program. The servicer scheduled a sale date on my property for XX/XX/year> while I was being considered for a loan modification during the moratorium. I sent an XXXX to the servicer. There is a new moratorium that should last till XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NV

Complaint narrative:
My name is XXXX I am sending these dispute letters to you to solve my existing issues in the credit reports. Here no other company or person sending out my letters to you. I am personally sending these letters. I became a victim of Identity Theft on ( XXXX, 2023 ) and after that these accounts were added to my credit report which were never opened by me. My personal information may have been stolen through any online platform. I have no idea who was behind this crime. That's why I filed a police report. But now it has been a serious situation for me. That's why I want to remove these accounts ASAP. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXThe name of the documents I am attaching here for your better judgment:1.FTC report 2.FCRA 605B, 3.My ID and Social Security copy 4.A notarized letter which proves I am personally sending my letters and complaints.5 Police 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 2024-06-04 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: FL

Complaint narrative:
It has been drawn out into the open that 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-04 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:
It has been drawn out into the open that 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have obtained copies of all three of my credit reports from each bureau. I have noticed an unauthorized and negative collection account on my reports. This same creditor has been reporting to the reports & has sold it to another lender. I know NOTHING about this account! This is a violation of my rights as a consumer!!! How can this one creditor have the authority to report with different lenders/collection companies on the same debt? These remarks listed on my reports have been DETRIMENTAL to my LIFE AND OVERALL CREDIT HEALTH.

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 2024-06-04 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: WI

Complaint narrative:
When I checked again my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$96000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT ED/XXXX XXXXXXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, Equifax, and XXXX for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, Equifax, and XXXX that this reported 30-day late payment is inaccurate. Specifically : Payment Proof : I have provided my XXXX XXXX XXXXXXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards. 
Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report. 
This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, XXXX, and Experian for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, XXXX, and Experian that this reported XXXX late payment is inaccurate. Specifically : XXXX XXXX : I have provided my XXXX XXXX  XXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards.

Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report.

This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.

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 2024-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/year>, I lodged a complaint via the Consumer Financial Protection Bureau ( CFPB ) concerning the conduct of XXXX XXXX. Despite this, XXXX XXXX continues to disregard my rights and engage in unlawful practices, further exacerbating the situation. 

In my initial complaint, I cited XXXXXXXX XXXX XXXX failure to contact me and provide the necessary notice and time required for disputing the alleged debt before reporting it to my credit profile. As per my request, XXXX XXXX was to furnish the following information : The tracking number from the notice, along with my signature upon delivery, confirming that I was duly informed of the debt and afforded the opportunity to dispute it within the stipulated timeframe, pursuant to 12 CFR 1006.34 Notice for validation of debts. 
The purchase agreement between the original creditor and the collection agency. 
Proof of licensing and authorization to collect the alleged debt. 
An agreement bearing my signature, indicating my commitment to pay. 
Clarification on whether the alleged debt was assigned or purchased. 
Despite my explicit request, XXXX XXXX failed to provide the requested documentation and, instead, resorted to further violating my rights by persistently harassing me via email, urging payment for an unverified and unvalidated alleged debt. Furthermore, they continue to report this debt to credit agencies, resulting in a significant drop in my credit score and causing unwarranted stress. 

This aggressive pursuit of collection appears to be a direct retaliation for my complaint to the CFPB. XXXXXXXX XXXX XXXX actions constitute a blatant abuse of my consumer rights, especially given their disregard for the supervisory authority of the CFPB. 

I want to reiterate that I am not liable for this debt, as I do not have a contractual agreement with XXXX XXXX, nor have they provided the original contract as requested. 

Moreover, I am deeply concerned about XXXX XXXX XXXX recent attempt to collect the debt via email. This action blatantly violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through inconvenient means, such as email, known for its intrusiveness and lack of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I have obtained copies of all three of my credit reports from each bureau. I have noticed an unauthorized and negative collection account on my reports. This same creditor has been reporting to the reports & has sold it to another lender. I know NOTHING about this account! This is a violation of my rights as a consumer!!! How can this one creditor have the authority to report with different lenders/collection companies on the same debt? These remarks listed on my reports have been DETRIMENTAL to my LIFE AND OVERALL CREDIT HEALTH.

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 2024-06-04 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: TX

Complaint narrative:
I have obtained copies of all three of my credit reports from each bureau. I have noticed an unauthorized and negative collection account on my reports. This same creditor has been reporting to the reports & has sold it to another lender. I know NOTHING about this account! This is a violation of my rights as a consumer!!! How can this one creditor have the authority to report with different lenders/collection companies on the same debt? These remarks listed on my reports have been DETRIMENTAL to my LIFE AND OVERALL CREDIT HEALTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: MO

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}

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