vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 Us Code 1681Congressional findings and statement of purpose under ( A ) Accuracy and Fairness of Credit Reporting ( 4 ) states There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. Equifax did not excercise their grave responsibilities with fairness doing this investigation. I called Equifax and told them I need verification of this account with paperwork and all the documents sent to me by mail of this account from XXXX XXXX and they told me they will send the documents proof of account. I have not gotten any paperwork of account. The conclusion of the first investigation that the account was closed. I know the account is closed but this account need to be verified with the proper paperwork or has to be removed altogether from my credit report by law. I as a consumer is not aware of any debt from XXXX out of XXXX Md. This credit report is being stated without my consent and I did not authorize Equifax to give this report Us code 1681b permissiable purpose of consumer reports ( 2 ) I have to instruct you by law to give this report and you have to have my consent. I have reached out and ask for information multiple of times for verification. You have to provide proof not just give your word that I owe any debt that I am not aware of by law. I as a consumer and the XXXX  need the paperwork to be sent and proof of account. If account cant be verified with paperwork, it has to be removed altogether. Equifax also just admitted that they gave false credit scores from mid XXXX to early XXXX due to a glitch with the system. I was affected with that also. By law you cant give out false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
i purchased my home in XXXX, received my supplemental tax notice from XXXX county in the mail on XX/XX/XXXX i paid them on XX/XX/XXXX with a cashiers check for the total amoubt for both supplemental taxes totaling {$2300.00}, mailed certified mail directly to XXXX county treasure-tax collector.then around XXXX around the XXXX i received a letter from XXXX XXXX XXXXXXXX, that i have not paid my supplemental taxes, i faxed over a letter informing them i paid them and if they had any questions to contact XXXX county tax collectors and included their phone number, they never contacted me again, my mortage payment was XXXX and some change, about 4 months ago it jumped up to {$1800.00}, i immediattely contacted them, they told me it was because of property taxes, it was not i spoke to numerous employees of XXXX XXXX XXXXXXXX which none had an answer other than they did not know, i continue to pay my payments but they have been late due to the amounts, i e mailed them around 20 times till finally i received an e mail saying was the sub-servicer of your loan on behalf XXXX XXXX XXXXXXXX and that they mailed me a letter on XX/XX/XXXX stating i didnt pay my supplemental taxes and they began to pay my supplemental taxes that is why my mortage payments went up, yet i paid them in full and sent fotos of cashier check and certified mail receipt and the supplemental tac forms from XXXX county, that i paid on XXXX XXXX, they do not return my emails anymore or my calls i am frustrated need help, the person they gave me the phone number to is XXXX XXXX XXXX extension XXXX she does not answer or return my calls they have caused me financial struggles in other areas, please help, thank you, sincerly 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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/2015 2015

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX DE XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} Date opened XX/XX/XXXX 2017

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in 2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I called and asked Early Warning ( located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 XXXX accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the XXXX because they are who took over XXXX Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, XXXX collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at XXXX then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any XXXX Bank that wasn't active or was already closed before the conversion of XXXX taking over XXXX have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After XXXX week they removed one of the XXXX bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( XXXX XXXX Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW XXXX Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And XXXX can't even located me by my social security. A XXXX manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have around 4 different credits cards opened without my permission I didnt know about this until I applied for a apartment I check and file a dispute and they said the information its accurate when none of the information at those cards its actually my address or phone number Its a card from XXXX XXXX XXXX XXXX-opened in XX/XX/XXXX XXXX bank-opened in XX/XX/XXXX XXXX XXXX And I didnt authorize anything and this its affecting my credit because this person who did this never make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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