vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX  : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I have no knowledge of this company nor this account. Never have i signed any agreement with this company for anything.. They are violating 18 US 894. 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code Notes prev | next ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 
( Added Pub. XXXX XXXX, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXIII, XXXX ( XXXX ) ( L ), XXXX XXXX, XXXX, XXXX Stat. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, 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 2024-12-03 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 2024-12-03 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: DE

Complaint narrative:
I recently reviewed a copy for my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
Under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX. SSN : XXXX. DOB : XX/XX/XXXX This FCBA complaint is being filed to request pursuant to FCRA that you, the XXXX reporting agency block information appearing on my consumer report that is the result of identity fraud and identity theft within 4 to 5 business days of receiving this complaint. The following accounts and collections are the result of that identity theft and I have no recollection of said accounts. XXXX XXXX opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$530.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$2600.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$170.00}. XXXX XXXX  opened XX/XX/XXXX for the amount of {$900.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$430.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$440.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$400.00}. The following accounts have resulted in several fraudulent, hard inquiries and fraudulent collections on my credit profile. None of these accounts were made or initiated by me. I will be attaching several FTC complaints that I have also filed as proof that these accounts were opened fraudulently and were the result of identity theft. The reference numbers for said complaints are as follows. XXXX and XXXX. I will also be attaching identification verification

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
At XXXX on Monday, XX/XX/year>, my company ( XXXX ) received a phone call from XXXX XXXX & XXXX XXXX XXXX for a status of payment on overdue Invoice XXXX in the amount of {$28000.00}. 

XXXX paid this invoice on Wednesday, XX/XX/year> ( Check # XXXX ), mailed the same day. XXXX co-owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that the check cleared on Monday, XX/XX/year>. 

However, upon further investigation, it appeared as though the check was altered ( see copy of cleared check ). On the Pay to the Order of line, instead of XXXX XXXX XXXX XXXX, it said, XXXX XXXX. 

The check appears to have been deposited into a Fidelity Account. 

It is unknown why it took XXXX to take 4 months to notify XXXX of the non-payment of the invoice. 

Immediately, XXXX XXXX contacted her XXXX  XXXX, recognizing that it was a bank holiday ( see copy of email ), as well as XXXX accountant. 

The next day ( Tuesday, XX/XX/year> ), XXXX XXXX at XXXX Bank XXXX XXXX and included a Fraud Packet to complete. With XXXX signature and notary, XXXX submitted the paperwork back to the bank immediately. 

I filed a police report with the XXXX XXXX  XXXX on XX/XX/XXXX. That Case was documented by XXXX XXXX and is # XXXX. Detective XXXX is on the project, his phone number is XXXX, ext XXXX On Friday, XX/XX/year>, I received a letter from XXXXXXXX XXXX denying the claim, telling me I took too long to tell them of the problem. 

The problem was not known for 4 months! Using positive pay in our XXXX Account, I saw that the check cleared on XX/XX/XXXX. It's not reasonable to assume I would have dug further to ensure that the name on the check was still the way I made it out. 

Additionally, Fidelity never should have cashed or deposited this check. They did not do their due diligence in depositing funds off an altered check to a sketchy, newly-opened account. 

I am out {$28000.00} x XXXX, since I had to pay my vendor. 

I run a small business and {$28000.00} is a lot of money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer 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 consist of an XXXXXXXX XXXX accounts, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

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 2024-12-03 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-03 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Someone opened two credit cards under JPMCB card ( Chase ). They successfully opened the two accounts. The credit report shows a hard inquiry on XX/XX/2024. I have called the credit card company to close the two accounts and I also called XXXX to file a dispute on the inquiry and froze my credit file information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, This case is a follow-up on case XXXX, which I submitted in XXXX this year regarding transfer fund to my new bank account in XXXX. As Bank of America responded that there is no way that I could do it remotely besides submitting a written request that will need to be notarized by a notary. After considering the option BoA provided, I went to the XXXX and visited Bank of America XXXX branch on the XXXX XXXX on XX/XX/XXXX to request wire transfer my fund and close my account. The BoA associate XXXX XXXX told me they did not do wire transfer at the branch. I would have to do it online myself. As an alternative, she issued a check with the amount of the balance in my bank account ( {$54000.00} ). I was not aware that check is not accepted in XXXX banks any more. As I was still checking which banks in XXXX that I could deposit my check, my bank account with BoA was cancelled on XX/XX/XXXX. I contacted three BoA customer service to seek for a solution without success. I can not cash the check in XXXX, and I can not deposit in my BoA account either as it has been cancelled. I tried to reached out to XXXX who issued the check, but after a few email exchanges, she started to ghost me. As I do not have a resident address in the XXXX, I can not open a new BoA account. Furthermore the phone number ( XXXX extension XXXX ) that BoA provided in their response to my previous case is not valid. After tried multiple ways, I have not been able to contact anyone from BoA who can help. I am very concerned what options I might have and what is going to happen in XXXX  days when the check is voided. 

Thank you for reviewing this case and your assistance is highly appreciated. 


Best, 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 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
New Rez without my permission or knowledge cancelled my homeowners insurance twice. When I was considering them as a potential XXXX I was told to not speak to anyone to not entertain competition and was called An emailed XXXX to XXXX times a day. I was harassed and not allowed to have the situation escalated. I asked for this XXXX times. I could not even get the new XXXX rep to let me talk to the supervisor. XXXX to XXXX I was able to do an approved forbearance and for each month that I utilise this I was turned into the Credit agencies for being late even though this was a Mortgage company directed activity. I did not miss any payments nor was I late to any payments and so they insinuated that I was even when I had their permission.. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Subject : Affidavit of Victim of Bank fraud wire transfer, internet, telephone, during the period from XXXX XXXX to XX/XX/XXXX XXXX. Following meeting at XXXX XXXX XXXX on XX/XX/XXXX Summary : I was deceived and a sum of {$200000.00} was sent by fraud to XXXX XXXX on XX/XX/XXXX ( XXXX. XXXX ) from Discover Bank. The fraud case was reported by me on XX/XX/XXXX to my Bank XXXX XXXX, and to Discover Bank, from where the money has been transferred to a XXXX XXXX XXXX  XXXX On XX/XX/XXXX, the fraud has been reported to XXXX Police Department, case No. XXXX ( XXXX ) and advised by police reported to FBI XXXX XXXX XXXX XXXX CT, on XX/XX/XXXX. After XXXX months of investigation, the Discover Bank informed me ( Att. XXXX ) that the money has been lost and FBI closed the fraud case and eventually will call me, if something will appear. For me, I still have to pay taxes on {$170.00}, XXXX Capital Gains from my investment sold by fraud, and money lost.

Company response to consumer: Closed with explanation