vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX  under the account number ( XXXX ) and XXXX  under the account number ( XXXX ) and XXXX XXXX the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX  under the account number ( XXXX ) and XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.

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

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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

Complaint narrative:
Under 15 USC 1681B- PERMISSIBLE PURPOSE I am demanding that I be provided with the written permission that I provided for negative items to be on my credit report and or other grounds under statue for Negative items such as Chime account or the alleged XXXX XXXX XXXX, with my consent or verification, If this written permission can not be furnished, I am now, demanding that all pertinent negative information that has not been verified of, or given my express permission to be removed immediately ; or face liability for further infringing of my rights and be help accountable under FCRA stature. These continuous adjustments and mismanagement of my credit report has caused me loss of points and impact towards my credit history and report. Today I lost 5 points because of these inaccurate and malicious alterations to my credit file without my being made aware and or my express permission ; as these changes were not based on a permissible purpose, other than to try and delay mid investigation of my disputes on above accounts and other complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
This is my 2nd complaint because they have not resolved my issue and i keep gettin a run around every time i contact the bank. They will not put a supervisor on the phone to me nor will they leave a message for one to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX my savings account was closed due to not having a signature card on file. I received a signature card around XX/XX/XXXX from the bank and signed it and returned it per the banks request. The bank closed my account because they said they did not receive the signature card. 

I did not know my account got closed until I received my statement stating the account got closed in XX/XX/XXXX. I contacted the bank and asked where my money was and was told they issued me a check on XX/XX/XXXX the same day my account got closed. To date ( XX/XX/XXXX ) I still have not received my funds. I have contacted the bank XXXX times since XX/XX/XXXX and have been told a Affidavit of Lost Check was mailed to me on XX/XX/XXXX. I still have not received the Affidavit of Lost Check. I contacted the bank on XX/XX/XXXX XXXX and was told a Affadavit if Lost Check was mailed to me on XX/XX/XXXX which I have not received. I have called the bank numerous times and get nothing but a run around. I have asked the bank if they could transfer my funds into my outside credit union checking account. They said they can not do this because my account is closed and they are waiting for me to sign and return the Affadavit of Lost Check they sent me. I informed the bank I have not received the Affadavit and asked them if they could over night me a Affadavit of Lost Check and was told they do not do this. I have asked them to come up with a solution other than me continuing to wait for this Affadavit of Lost Check and they said they have to wait for this Affadavit that I have not gotten. 

It's been XXXX XXXX months since my account was closed and I still have not received my money. I have spoken to a number of super isors to no avail. They have not come up with another solution to my problem and I am extremely upset. The bank has almost {$7000.00} of my money that I have no access to. I've called XXXX times to try and resolve this situation and have gotten no where. I've asked the bank of they could transfer my funds into my credit union and I've been told since my account is closed I have to wait for this Affadavit of Lost Check. I have come up with a solution to fix this matter and they have refused to give me my money. I'm told to wait for the Affadavit that is not coming. I asked to speak to a supervisor and all I get is an argument and the worst customer service I have ever seen in my XXXX  years of living!! I want my money back Now!!! Please help me!!

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

Complaint narrative:
I am writing to address several concerns I have encountered with my credit report, including inaccurate account listings, unauthorized inquiries, billing discrepancies, and other reporting errors. I kindly request assistance in resolving these issues to help maintain my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

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 2024-11-11 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: FL

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector companies XXXX XXXX XXXX, and the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Airport Finance
State: TX

Complaint narrative:
We did not take the loan. My girlfriend received a mailer from Airport Finance for a check of {$800.00}. 

Company information : Airport Finance, funded by XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX, TX, XXXX ( where the mailer came from ) Office Location : XXXX XXXX XXXX # XXXX, XXXX, TX, XXXX ( XXXX ) XXXX The fine print states that this is an {$800.00} loan, with a {$100.00} acquisition charge, a {$250.00} installment account handling charge, APR of 71.74 %, with late fees accruing after just 10 days. 

This interest rate is unheard of and clearly unethical. Most people would never see this in the fine print, nor would they know what it means if they are struggling for money. 

This company should be punished for scamming people who don't know better.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I mention state your business, and they said MCM without telling me what the acronym was about I didnt feel comfortable then I kept saying do not contact me again or Ill report you to the Federal Trade Commission XXXX They proceeded to still antagonize me and I got off the phone and block them from numerous numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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 BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding the mishandling of my escrow account by Freedom Mortgage for mortgage loan # XXXX on my property at XXXX XXXX XXXX, XXXX, MD XXXX. My attempts to address this matter directly with the mortgage company have been unsuccessful, as they have not responded to my repeated requests for clarification or a resolution. 
Details of the Complaint Over the past three years, my escrow payments have escalated significantly, and I believe I have been overcharged. I have repeatedly reached out to my mortgage company to request a detailed escrow analysis to understand the basis of these charges, but I have not received any response. Below is a summary of my concerns regarding the escrow charges from XXXX to XXXX : XXXX : Total Escrow-Related Expenses : {$10000.00} ( homeowners insurance, mortgage insurance, and property tax ). 
Total Escrow Paid : {$10000.00} ( shortfall of {$43.00} ). 

XXXX : Total Escrow-Related Expenses : {$12000.00}. 
Total Escrow Paid : {$14000.00} ( overcharge of {$2300.00} ). 

XXXX : Total Escrow-Related Expenses ( after paying homeowners insurance separately ) : {$9200.00}. 
Total Escrow Paid : {$14000.00} ( overcharge of {$5300.00} ). 

This results in a total overcharge of {$7600.00} from XXXX to XXXX. 
Lack of Response and Communication Issues Over the past month, I have called the mortgage company three times in an attempt to resolve this matter, but I have received no meaningful assistance. The calls are routed to an overseas call center, where representatives have been unable to understand my concerns or provide solutions. Despite my efforts to explain the overcharges, I have been unable to speak with a representative who can address or escalate the issue appropriately. 
Requested Action I respectfully request that the CFPB assist in investigating this matter and require my mortgage company to : Conduct a comprehensive review of my escrow account for the period from XXXX to XXXX. 
Refund or adjust any overcharged amounts. 
Improve their customer service process to ensure timely and effective responses for issues related to escrow discrepancies. 

Thank you for your time and attention to this matter. I look forward to the CFPBs assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX Phone : XXXX Email : 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. There should be no updated activity after a chargeoff is stated. It is my understanding that once an account is charged off there is no activity to be reported after. There can not me multiple months of charge offs. I am requesting that this account be updated or deleted from my report. I would say that qualifies as " poisoning '' a credit report, which is not a legal practice and could mean a potential violation of the FCRA.

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 2024-11-11 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. There should be no updated activity after a chargeoff is stated. It is my understanding that once an account is charged off there is no activity to be reported after. There can not me multiple months of charge offs. I am requesting that this account be updated or deleted from my report. I would say that qualifies as " poisoning '' a credit report, which is not a legal practice and could mean a potential violation of the FCRA.

Company response to consumer: Closed with non-monetary relief