vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1200.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Factoring Companies Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Collection account Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1200.00} Account Type : Collection Payment Frequency : Not applicable Credit Limit XXXX {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's is reporting inaccurate information to the consumer reporting agencies greatly effecting my credit score. Macy 's Charged-off the debt, as it clearly states on my consumer report. Macy 's is required by the Internal Revenue Code to provide me with the 1099c, that is 26 USC 6050p. I will be filing IRS form 3949a on Macys. Also, Macys sold the debt to XXXX XXXX XXXX XXXX ( attaching a copy of the debt being sold ). Why is Macys reporting to my credit reporting when you sold and charged off the debt? A charge off is considered income, and income is not to be reported to the consumers report. Macys is not respecting my right to privacy as a federally protected consumer, my nonpublic personal information was not to be giving out. I will consider this as aggravated identity theft on Macy 's part for providing my information to a non-affiliate third party. and as I'm sure you aware of 15 USC 1666d- treatment of credit balance in excess of {$1.00} is money owed to the consumer, which is also evidence in the federal regulations you blatantly violate 12 CFR 226.11. Anything over {$1.00} is money owed to the consumer and upon request you must make a good faith effort to either credit my account or send me a refund my check, cash or money order. I am requesting and demanding that Macys sends me my credit balance of {$390.00} ( the same amount XXXX XXXX XXXX is attempting to extort me for. This is also notification of my continuous right to opt out of your reporting under 16 CFR 313.7 ( f ), I XXXX XXXX hereby revoke the Authority giving to Macys or any other affiliate to report anything to the consumer reporting agencies. I am also demanding the 1099 c filed to be presented so I can properly file my 1040, I am demanding you update all accounts with the consumer reporting agencies within a timely manner as requires by 16 CFR 313.7 ( e ), and I'm demanding the credit balance be refunding 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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: NY

Complaint narrative:
I reviewed my credit report and noticed that there was an inaccurate account that is not mine. I contacted XXXX XXXX and transunion about the issue. But I have not gotten a communication from the third party XXXX XXXX XXXX that is allegedly saying I owe them which I have never had a contract with or done business with. 

XXXX XXXX XXXX is saying I owe them {$680.00} 15 USC 1681b Clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer. 

Thats aggravated identity theft 18 USC 1028A Because they have possession my information and they are also using it without consent from the consumer ( me ) 15 USC 6802 A financial institution may not disclose non public personal information to a non affiliated third party unless, They give me the consumer the opportunity to exercise the right to opt-out.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently ensured that payments on this account are made promptly, never allowing them to fall behind schedule. The reasons for reports of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, any discrepancies should be rectified.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I have had a horrible time requesting my PMI be removed due to substantial improvements. I initially attempted to fax my request on XXXX, which has yet to be received. I called several times and have been disconnected half the time. I tried calling in today and need help getting past their automated system as my SSN or loan number is not being recognized. When I chatted with an agent, they did not help me, said my request was still pending and to check tomorrow. I have now requested help through fax, phone, chat, and their messaging portal. It feels like it is drawn out and difficult to maximize the amount of months I am paying PMI, which I should no longer be. I am also unable to access my loan documents through the portal anymore.

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: FL

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout, I've been diligent in guaranteeing punctual payments for this account, preventing any lapses. The occurrence of late payment remarks on my accounts confounds me, as I am uncertain about their origins. As per 15 USC 1666b - Billing Error, corrections should be made.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2024, I tried logging into to TransUnions site to review my credit report and check/change the status of my credit freeze. 

I entered my correct username and password and was prompted with a notification that they had sent me a one-time passcode ( OTP ), usually a 6+ digit numeric value, to my email address to finalize logging in. 

Unfortunately, no OTP ever arrived. 

I chatted with them and was provided 2 XXXX-numbers to call ( XXXX and XXXX ). 

I called, went through the prompts advising that I am unable to login to website and similar. Unfortunately, at the end of these prompts I was told that call volume is higher than usual and then the call disconnects about 1 seconds later. 

I tried calling many times, all with this same outcome. 

It is irresponsible for any company, let alone a credit reporting agency, to not allow you access to your own account and details. 

This is highly bothersome.

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: FL

Complaint narrative:
After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proof of my identity.

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: OH

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and SSN Card.

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: 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.

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 2024-04-24 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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:
I am rewriting to formally refile a complaint against TRANSUNION for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to TRANSUNION, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/2024, TRANSUNION has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that TRANSUNION, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge TRANSUNION to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect TRANSUNION to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and noticed that I have inquires that I did not authorize. I Also have a collection from an account that was opened fraudulently

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 — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, There is information on my consumer credit report that is a result of identity theft. 

I didn't provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me the consumer. 

Please remove the following accounts/Inquiries listed in the FTC report . For convenience sake I have included proof of my identity.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, There is information on my consumer credit report that is a result of identity theft. 

I didn't provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me the consumer. 

Please remove the following accounts/Inquiries listed in the FTC report . For convenience sake I have included proof of my identity.

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