vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my identity that are currently appearing on my credit report. The details of the disputed accounts are as follows : Account Name : XXXX XXXX XXXX Account Numbers : * Account number XXXX ... 
* Account number XXXX ... 
* Account number XXXX ... 
* Recent Balances : * {$560.00} as of XX/XX/2023 * {$450.00} as of XX/XX/2023 * {$1500.00} as of XX/XX/2023 * Date Opened : XX/XX/2023 * Status : Collection account. {$560.00}, {$450.00}, and {$1500.00} past due as of XX/XX/2023, respectively. 
I am contesting these collection accounts based on the grounds that my personal belongings, which included documents containing my identity, were unlawfully taken from my car. It is my understanding that under the provisions outlined in 15 U.S. Code 1681c2, any information resulting from identity theft must be promptly blocked by the consumer reporting agency. 
Therefore, I formally request that these negative accounts, for which I have no affiliation or contractual agreement, be expeditiously removed from all three major credit bureaus. I want to emphasize that I have not authorized the inclusion of any information on my credit report that is unrelated to my financial history or identity. 
I believe that these collection accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of any information resulting from identity theft. I kindly request your immediate attention to this matter and the deletion of these accounts from my credit history. 
I expect a thorough investigation into this dispute and request that you provide me with written confirmation of the removal of these accounts from my credit report within the legally stipulated time frame. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost care and professionalism. Please do not hesitate to contact me if you require any additional information or documentation to support my claim.

In addition, I assert that the cease and desist process can be appropriately used to address credit report issues arising from identity theft. Section 611 of the Fair Credit Reporting Act ( FCRA ) explicitly grants consumers the right to challenge the completeness or accuracy of information within their credit files with consumer reporting agencies. Furthermore, Section 623 of the FCRA establishes potential liability for those who willfully fail to comply with its requirements, offering remedies that can include actual damages suffered as a result of such failures or statutory damages ranging from {$100.00} to {$1000.00}. This underscores the importance of a thorough and expedited resolution to my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: MO

Complaint narrative:
All three reports- XXXX, TransUnion, and XXXX- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The XXXX report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.

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 2023-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC
State: IA

Complaint narrative:
On XX/XX/XXXX  at XXXX XXXX, I received a phone call from XXXX. The agent said they were calling from Flagship Credit and wanted to know if I could give them information on how to contact my sister. I explained, not so very nicely, that I haven't spoken to my sister in over 10 years and as far as I'm concerned my sister could drop dead. I then told them never to call me again. They apologized and agreed not to call me again. On XX/XX/2023 at XXXX XXXX, I received another phone call from XXXX. The agent once again identified themselves as Flagship Credit and wanted information on how to contact my sister. I started yelling at them and repeated once again that I have not talked to her in over 10 years and to stop calling me. They apologized and said the calls would stop. I said, " You guys already agreed to stop calling me the last time, yet here you are calling me once again! Stop calling me! ". Today ( XX/XX/XXXX  ) at XXXX XXXX, I received a phone call from that same number ( XXXX ). The agent said he was calling from Flagship credit and wanted info on how to contact my sister. I started screaming at him and told him I'm tired of the calls! I explained that my phone number is on the National Do Not Call Registry and they have no business calling me! Especially since they agreed to stop! I'm assuming they are trying to collect a debt from my sister. After the 1st phone call I received from them, I googled Flagship Credit and it said they give auto loans to people with sub prime credit. This is not my debt! I am tired of these calls! What can be done?

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 2023-10-30 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: GA

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 2023-10-30 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:
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 2023-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

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 XXXX XXXX  account # XXXX, has violate my consumer rights, 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate. The Account # XXXX is inaccurate. This account is 7 years old and was removed from my credit report due to inaccurate information. Experian is required to do investigate and make sure all information is correct before placing on my credit report. I hereby disputed and demand this false information removed from my credit report 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 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
This company has not provided validation of the debt, nor proof of purchase for the debt to show that they are authorized to collect on it.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I noticed an account XXXX XXXX account on my consumer report that I did not recognize. Therefore, I disputed the account with Transunion, through the CFPB ( see attached ). According to federal law under FCRA, Section 611 ( a ) ( 8 ), an agency as an obligation to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a notice of dispute. It has been more than 30 days and there has not been any response from the agency nor has there been any deletion. According to federal law this account must be deleted from my consumer report. If deletion is not processed upon receipt of this notice, I will pursue my private right of action under 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 2023-10-30 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-10-30 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: NY

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX I attempted to exchange {$200.00} for XXXX pesos at Citibank at XXXX XXXX XXXX XXXX XXXX # XXXX None were available. I was to return the next day, XXXX XXXX, at which time I received an envelope with XXXX pesos, an appropriate amount. When I tried to use XXXX XXXX peso or XXXX XXXX peso notes in XXXX XXXX on my arrival on XXXX XXXX I was told by several merchants including my hotel that they were counterfeit. 

The reference # is XXXX # XXXX for Citi 's receipt of funds and customer confirmation. These funds were shipped by XXXX overnight to the branch XXXX. I am in possession of the counterfeit notes. I have not approached Citibank at this time.

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 2023-10-30 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: WI

Complaint narrative:
Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX  # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I knew something was wrong with my repayments when I saw that I am being asked to pay {$0.00} per month for the next 14 months ( I have an income and should be paying more than that ). I requested the company tell me what reported income they are basing my monthly payment calculations on on XX/XX/23. The automatic reply was that they would respond within 2 business days. I have not gotten a response yet, it has now been 7 business days. In the meantime I resubmitted my income verification in case that was the problem. A few days ago, my account was suddenly placed into administrative forbearance without explanation. Interest is accruing daily although I am supposed to be enrolled in the SAVE plan and apparently have no payments due. I have been on hold for 40 minutes so far to try to get an explanation. It is unclear if any of this will negatively affect my credit score. I have income available to make required payments, but customer service is inadequate to allow me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
debt not mind wrong address wrong birthday inquiry not authorize collection not mind wrong reporting of everything

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 2023-10-30 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: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I started to question my PMI because I live in the XXXX zip code of XXXX - the hottest real estate market in the XXXX area. In XX/XX/XXXX, I requested via email and fax to have my PMI eliminated. I was told that if they went by my XXXX  re-finance appraisal of {$460000.00}, my property would still be below the required 78 % Loan to Value ratio to qualify for PMI elimination. XXXX from Fifth-Third Bank told me that the other option I had would be to request a appraisal, to be paid for by me. They would send someone out to appraise the property. The appraiser came out in late XX/XX/XXXX. I called several times after I received the report stating my property appraised at {$530000.00}. 
A couple of weeks later, I received a letter from Fifth-Third Bank stating that my property did not meet the required 75 % LTV as it was at 75.82 % LTV and therefore my PMI would not be cancelled. I contacted the company multiple times, and could never get a straight answer. My re-finance documents clearly state that I reserve the right to have my PMI removed once the LTV is at 78 %. 
I feel like I am being discriminated against because of my race. Everyone knows that these mortgage companies attempt to scam XXXX and XXXX people into paying more. They never give us a straight answer on anything. Each time I contacted this lender, I received a different answer from they never received the faxed request to review my PMI to the LTV would have to be at 78 % to being bullied into demanding to know who said 78 % to telling me as early as last week that they needed to check with " the investor '' of the loan to determine what the LTV should be. Clearly someone sent the letter so they got that information from somewhere. And, when demanded to know who " the investor '' of my loan was, XXXX ( the manager ) said it would be XXXX XXXX or XXXX XXXX. Everything I've read online seems to suggest that XXXX XXXX and XXXX XXXX subscribe to the 80 % LTV ratio. Today ( Monday, XX/XX/XXXXXXXX  around XXXX CT ), someone named XXXX contacted me stating he would look into my formal written complaint that I sent Friday, XX/XX/XXXX, but had no answers about the LTV saga. I need a third party to help me fight the XXXX profiling and discrimination this mortgage company seems to be practicing while having loans underwritten by XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase froze my credit card and all accounts without any notice. They also liquidated my retirement accounts and cost me early termination fines and fees without any notification that this action would be taken. Also, a safe deposit box account was terminated with only less than 30 day notice to evacuate the contents or they stated " the contents would be turned over to the state ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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