vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
My name is XXXX XXXX, and regrettably, I have been targeted by identity theft. An individual attempted to secure an auto loan using my identity without my consent. I urgently request the removal of these unauthorized inquiries from my XXXX report. 

As I did not authorize these inquiries, they must be promptly removed. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are required to investigate disputes within a 30-day period. If the information can not be verified within this timeframe, all fraudulent inquiries must be deleted from my report. 

The unauthorized inquiries listed below require immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX Your prompt attention to this matter is greatly appreciated. 

Greetings, I am XXXX XXXX, and unfortunately, I have fallen victim to identity theft. An individual attempted to secure an auto loan using my identity without my authorization. I urgently request the removal of these unauthorized inquiries from my Experian report. 

These fraudulent inquiries, listed below, must be promptly removed, as they violate my rights. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are obliged to investigate disputes within a 30-day timeframe. If the information can not be verified within this period, all fraudulent inquiries must be deleted from my report. 

The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Your immediate attention to this matter is greatly appreciated. 

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 2024-04-24 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:
On XX/XX/XXXX I received a credit alert from XXXX XXXX XXXX advising me of a derogatory credit report.by XXXX XXXX for a XXXX XXXX XXXX XXXX 

I initiated a dispute with Transunion stating the account was not mine and wrote a letter sent via certified mail to XXXX XXXX. I have never had an account with XXXX XXXX  nor have I applied for or had a XXXXXXXX XXXX XXXXXXXX XXXX. 

I received a Transunion response about two weeks later saying that XXXX XXXX  had verified the account as accurate and my dispute was closed. About 45 days after my letter of XX/XX/XXXX to XXXX XXXX  I received a letter from them stating that the file had been turned over to XXXX XXXX XXXX for collection and that all communication needed to be with them. I called XXXX XXXX XXXX and explained the issue and was repeatedly told it was my account and that I needed to pay it. I stated clearly that it was not my account, that I disputed it and that I wanted proof of its validity including the original application, copies of all charges supposedly made by me and copies of any correspondence sent to me regarding the account. I was told it would be delivered to me by mail in about 60 days. I also learned during that call that the mailing address they were using was that of a property I sold in XXXX. 

I awaited arrival of the documentation for about 90 days before calling again. I was informed again that I would receive it in about 60 days. To date I have never received anything via US Mail, email or via any other message despite having confirmed my correct mailing and email address with them in each call.

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 2024-04-24 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute an unauthorized trade line that continues to be reported on my credit file by XXXX XXXX XXXXXXXX and the three major credit bureaus ( Experian, XXXX, and XXXX ) despite my multiple disputes. This illegitimate XXXX XXXX XXXX account listing is the result of fraud and identity theft, which I am a victim of. 

I have never opened or had any relationship whatsoever with XXXX  XXXX XXXX. I did not authorize this account, provide any personal information for its creation, nor have I ever had any access or made any charges on this fraudulent account. Despite disputing this inaccurate entry multiple times, XXXX XXXXXXXX XXXX and the credit bureaus have continued harassing me about this account that has nothing to do with me. 

Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from identity theft - 15 U.S.C. 1681e ( b ) mandates maintaining reasonable procedures to ensure maximum accuracy - 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to a credit bureau if notified of identity theft - 15 U.S.C. 1681i requires conducting reasonable investigations of disputes Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d, 1692e prohibit harassment and the use of false, deceptive, or misleading representations connected with attempted collection of a debt not owed. 

The continued presence of this fraudulent XXXX XXXX XXXXXXXX account and the unrelenting harassment about it by XXXX XXXX XXXXXXXX and the credit bureaus violates multiple federal consumer protection laws, as outlined above. As an identity theft victim, I have an absolute legal right to have this inaccurate and illegitimate information blocked, deleted, and no longer pursed or reported. 

I demand XXXX XXXX  XXXX and the credit bureaus immediately : 1. Investigate and remove the unauthorized account 2. Cease all harassment, collection efforts, and reporting related to it 3. Implement procedures to prevent its re-insertion per FCRA requirements Please promptly investigate this matter, take corrective actions, and provide me written results within the statutorily mandated timeframes. I am prepared to pursue all legal remedies for any continued violations of federal law, including filing complaints, seeking damages, and attorney engagement. 

Enclosed is documentation and a copy of my identity theft report. I trust you will undertake a timely resolution to this serious matter that is severely damaging my credit and 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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
discirmination and told XXXX people are poor and frozen bank account and causing hackers to commit identity theft for my identity caused my life insurance policy to lap freezing my account for auto pays

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried several times to obtain my credit report from both Equifax and XXXX XXXX. Both of these credit reporting agencies make it impossible to get a free copy of my credit report. XXXX was easy and I was able to get approval on my first phone call. Equifax and XXXX XXXX are trying to use the credit request system to sell additional services such as credit monitoring. This practice is absolutely shameful. Accordingly, I demand my credit report to be mailed out to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
I am a known victim of identity theft. My information was exposed in the XXXX XXXX breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent XXXX XXXX XXXX  of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!

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 2024-04-24 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 a known victim of identity theft. My information was exposed in the Equifax Data breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent XXXX XXXX XXXX of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chex systems has completely black listed me from getting any bank account. I've applied for a dozen different accounts, some even second chance checking accounts but due to the consumer score I have failed to get an account. Even after countless hours disputing inquiries and closed accounts I've gotten no good results.

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 2024-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-04-24 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: GA

Complaint narrative:
after reviewing my credit profile, I noticed several fraudulent items on my credit report per 15 U.S code 1681b -permissible purpose of consumer report I have listed all accounts on my FTC report. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-24 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: MI

Complaint narrative:
There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXX XXXX  Account Number : XXXX Reason : Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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:
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 non-monetary relief
Consumer complaint received 2024-04-25 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Could you verify the documents? Several listed accounts contain inaccuracies in reporting, such as incorrect amounts and dates.

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 2024-04-24 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: CA

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

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 2024-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX Planet Home Lending received my supplemental property taxes and informed me that they would pay the additional taxes due. There were XXXX separate tax bills with XXXX payments. First payment due XX/XX/XXXX and second payment due XX/XX/XXXX. They did an escrow analysis and raised my monthly mortgage payment by over {$400.00} each month for a 12 month period to pay the {$5200.00}. During a recent refinance it was discovered that Planet Home Lending never paid the taxes now they had to be paid during the refinance. I received penalty and fees to total {$300.00} which I shouldn't have to pay. They are not responding to me. My refinance will close in a few days and I SHOULD receive a refund of my escrow account which is approximately $ XXXX. My complaint is that they never communicated to me that the payment was not made, my payments remained increased, My XXXX taxes filed are now incorrect so I need to file an amended and I feel they were earning interest on the extra money I provided unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I tried several times to obtain my credit report from both XXXX and Trans Union. Both of these credit reporting agencies make it impossible to get a free copy of my credit report. XXXX was easy and I was able to get approval on my first phone call. XXXX and Trans Union are trying to use the credit request system to sell additional services such as credit monitoring. This practice is absolutely shameful. Accordingly, I demand my credit report to be mailed out to me 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 2024-04-24 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief