vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AL

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I am submitting this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block and remove the fraudulent accounts and addresses listed below from my credit report. These items are the result of identity theft and fraud occurring during my period of trafficking. Under FCRA regulations, I expect TransUnion to take action within four business days upon receipt of this complaint. 

As a XXXX XXXX XXXX the following accounts were not opened, authorized, or initiated by me and result from identity theft and fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the following addresses, which I never resided at, were fraudulently added to my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have attached the following documentation, which has previously led to the successful removal of these accounts and addresses with other credit bureaus : FCRA Section 605C Self-Attestation Form Identity Affidavit FTC Identity Theft Criminal Complaint # XXXX Utility Bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: HI

Complaint narrative:
CREDIT CONTROL , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with CREDIT CONTROL , LLC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. CREDIT CONTROL , LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing 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 explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement.

TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID.

Copy of my Social Security card. 
A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/year> and XX/XX/year>. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2024 Subject : Dispute of Inaccurate Late Payments for XXXX Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement. 
TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress. 

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID.

Copy of my Social Security card.

A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/2024 and XX/XX/2024. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
I keep getting calls to my cell phone asking for me to call regarding a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I lost my debit card about XXXX years ago after nj XXXX switched vendors from XXXX XXXX XXXXXXXX to money network AFTER I had already used funds in that said account. Now that I have filed again and the state is paying me, I contacted the state. Nj XXXX provided the only phone number, which is the only phone number I can find anywhere to contact this specific department at Money Network XXXX, appearently located somwhere in XXXX Their XXXX does not allow me to speak to a representative to request a new debit card because it recognizes an account with a card that was not yet activated. It then says I need the card number but I cant provide the card number if i cant locate the card itself. I need a replacement card to access my XXXX funds. They are holding my money because I can't access my account or get a hold of a LIVE representative to request a new card. Horrible vendor NJ division of temp XXXX department chose to work with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX last year after having vacated the apartment in XXXX a summons was issued but not in accordance with law stating that proof of service is required. I was never contacted or served, that my fiduciary partner could have been. They refuse mediation and required the city Employee with me since the beginning obtain records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I found unverifiable, inaccurate, and questionable information that your agency failed to ensure was XXXX  % accurate. This has caused me significant frustration. Additionally, the accounts in question lack sufficient validation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), it is your responsibility to report only accurate information. The continued reporting of these items violates these requirements. I have attached copies of my previous letters for your reference. 

Please conduct a proper investigation, remove any unverifiable or inaccurate items, and ensure my report is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile for my account that was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
The mortgage servicer, XXXX, who is sub-servicing my loan on behalf of Guaranteed Rate, double paid my property taxes that were due by XXXX ( despite my numerous calls to them, explaining and proving that all taxes due by XXXX have already been paid ). Now due to the duplicated payment of property taxes which was the servicer 's fault, they are stating that I have escrow shortage and want to increase my monthly payment by {$700.00}, while my escrow account should have never had escrow shortage. 


They have mismanaged the funds in my escrow account, and are creating a big payment shock to me which is putting me at risk of defaulting on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, I opened a XXXX American Express card, which came with a bonus of XXXX points upon opening. However, in XXXX, they removed the XXXX points from my account without providing any explanation. I paid the card 's {$690.00} annual fee in full. 

On XX/XX/XXXX, my account was abruptly closed. When I contacted customer service to transfer my remaining points, I was informed that I could no longer do so because the account had been canceled. I was not given any prior notice or warning about the account closure, leaving me no opportunity to redeem my points beforehand. 

Currently, my account only reflects about XXXX points. I believe I am entitled to the reinstatement of the XXXX points, in addition to the XXXX or so points currently shown. I paid the membership fee in good faith and fulfilled my obligations, and the removal of the XXXX points was unwarranted. 

Additionally I also had another card with them, American express XXXX cash Every day, which they closed as well, I made my payments and used this card for a couple of years, and it was closed for no good reason. I had some cashback on that card which I never used, and I believe I should get that back. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: AZ

Complaint narrative:
XXXX ) REMOVE ACCOUNT FROM PERSONAL NAME AND ALL CREDIT BUREAUS AS ACCOUNT IS FRAUDULANT AND IDENTITY THEFT XXXX ) XXXX XXXX XXXX XXXX IS A FRAUDULANT ACCOUNT, ASSOCIATED WITH SERVICES I DID NOT PARTICIPATE IN OR BENEFIT FROM XXXX ) XXXX XXXX XXXX XXXX HAS PREVIOUSLY BEEN REPORTED TO LAW ENFORCEMENT AS FRAUD, POLICE REPORTS PROVIDED TO CXXXX XXXX AND ALL PREVIOUS COLLECTION AGENCIES XXXX ) REMOVE THE COLLECTION ACCOUNT FROM MY PERSONAL NAME AND ALL CREDIT FILES OR I WILL SEEK DAMAGES FOR UNLAWFUL COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to work for a company who turned out to be fraudulent. The position they gave me was XXXX They gave me a business bank account to pay off my credit cards, but it turns out they are not the account owners. The problem I have is that my credit card companies accepted the account, even though my name wasnt on it. They zeroed out my balances twice using that account and then when they tried to collect the money from the bank, which was XXXX XXXX, it was rejected. I am now {$30000.00} over my credit limit because the credit card companies didnt verify the account.

Company response to consumer: Closed with explanation