vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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:
I am writing 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally follow up on my previous requests to update my driver 's license information on my credit report. I have contacted all XXXX bureaus multiple times regarding this matter, but as of today, the correction has not been reflected. This is my third request for you to update my address information accurately and in a timely manner. I have attached a copy of my license that show my correct address. 

The only address associated with me is the XXXX on my license. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of information in a consumers credit file. Failure to update and maintain accurate records violates these standards and can result in legal action. 

Please treat this as a formal request to update my records promptly. If additional documentation or information is required, contact me.

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 2025-01-12 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: TX

Complaint narrative:
I am writing to formally follow up on my previous requests to update my driver 's license information on my credit report. I have contacted all XXXX bureaus multiple times regarding this matter, but as of today, the correction has not been reflected. This is my third request for you to update my address information accurately and in a timely manner. I have attached a copy of my license that show my correct address. 

The only address associated with me is the XXXX on my license. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of information in a consumers credit file. Failure to update and maintain accurate records violates these standards and can result in legal action. 

Please treat this as a formal request to update my records promptly. If additional documentation or information is required, contact me.

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 2025-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoint Mortgage acquired our fixed rate second mortgage with approximately {$50000.00} payoff amount and monthly payment amount was {$220.00} with 4 % interest rate. Starting XX/XX/XXXX got billed {$570.00} with interest rate 12 %, XX/XX/XXXX billed {$570.00} with interest rate 11.5 %, XX/XX/XXXX billed {$880.00} with 4 % interest rate and XX/XX/XXXX billed {$770.00} with 4 % interest rate. XXXX XXXX {$210.00} on XX/XX/XXXX which they applied it all towards interest, then paid {$1200.00} on XX/XX/XXXX for the rest of XXXX and XXXX which made us current. My husband spoke to multiple representatives with no resolution. I spoke to XXXX XXXX on XX/XX/XXXX about the increasing monthly bills and increasing interest rates. She requested a review of the account. I asked her about what to do with the XXXX payment which was due in 4 days and she advised to pay {$220.00} which I did. That {$220.00} was applied all to interest. She advised to call back for status of the review after the holidays. Spoke to XXXX XXXX on XX/XX/XXXX and was told the review is still pending and no way to expedite it and the review can take up to 10 days maybe longer. We have been paying for XXXX yrs and very little has gone to the principal. As of XX/XX/XXXX the principal is {$45000.00}. Why is so little being put towards the principal? Don't understand why they increased the interest rate from 4 % to 12 %, 11.5 % then back to 4 % when we have a fixed rate. Saw on XXXX that people are having the same problems with this mortgage company.

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 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
My personal information, including my Social Security number, date of birth, and financial account details, was compromised in the breach, leading to the unauthorized opening of accounts and the accumulation of fraudulent debt in my name. I have no knowledge of an account with XXXX XXXX the original listed creditor.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XX/XX/XXXX {$170.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-01-12 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:
XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XX/XX/XXXX {$170.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/year> I ordered a XXXX cigarette from revolut in the amount of {$500.00} I received the item the next day but it was damaged from shipping which made the item unusable. 

I promptly contacted the merchant via customer service who instructed me to return the item and I would receive either a replacement or a refund. 

I returned the item in store on XX/XX/year> and was told they would start an investigation with the shipping company because it was damaged during transit After the investigation I was informed they would not be issuing a refund nor a replacement and was told to file a claim with the shipping company. 

I have forwarded this information to Chime Bank in hopes of a dispute, but after speaking with chime customer service via phone call the lady was unable to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX BANK XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2025-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries were unauthorized and I am a victim of identity theft. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: WA

Complaint narrative:
I am writing to formally dispute the entry listed on my credit report under the name XXXX. XXXX XXXX XXXX, related to an account with XXXX Apts XXXX. I have made several attempts over the past XXXX years to resolve and have this entry removed, but it remains on my report despite my best efforts. 

The account was reported as unpaid on XX/XX/XXXX, with an assignment date of XX/XX/XXXX. However, I believe this information is inaccurate, outdated, or unverifiable and does not accurately reflect my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate or unverifiable information removed from my credit report. I respectfully request a thorough investigation into this matter and ask that you provide written evidence validating the accuracy of this account. If validation can not be provided, I request that the account be permanently deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize this account to be open with XXXX wireless neither do I have knowledge of it its fraudulent account thats need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXXXXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

Experian- XXXX inquiries XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX Bank, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries that were found on my credit profile. I did not authorize anyone to run my credit. I am including incidents of security breaches from XXXX companies that housed my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXXXX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

Experian- XXXX inquiries XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX Bank, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries that were found on my credit profile. I did not authorize anyone to run my credit. I am including incidents of security breaches from XXXX companies that housed my information.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit 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 consists of a personal credit card accounts opened at ; XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX ), XXXX  on XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and the collections accounts opened at ; XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$XXXX}, XXXX XXXX  on XX/XX/XXXX XXXX appears related to the aforementioned personal credit card account opened at XXXX XXXX and XXXX XXXX  on XX/XX/XXXX that appears coo the aforementioned personal credit card account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Ido not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. They've allowed the errors from XXXX XXXX to remain on my credit report. It has been well OVER a year. The investigation process should be XXXX  days or less.I 've disputed the discrepancies many times. Delete this off of my account! Its affecting my livelihood and being able to secure SAFE housing because of the erorrs!

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 2025-01-12 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: NJ

Complaint narrative:
I am writing 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 2025-01-12 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 writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Inaccurate Reporting of Sold Debt Violation of FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
The debt in question was originally held by XXXX  XXXX and was subsequently sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, I did not receive a Form XXXX from the original creditor, which is typically issued when a debt is canceled or forgiven and considered income by the IRS. 
As you are aware, accurate and complete reporting is required by law, and the lack of a XXXX raises concerns about the legitimacy and accuracy of the reporting of this account. It also creates potential tax implications for me, as the debt could be improperly reported as taxable income. 
Pursuant to 15 U.S.C. 1681i, I am requesting that XXXX : XXXX. XXXX a thorough reinvestigation of this account and verify its accuracy with the original creditor and collection agency. 
2. Remove or correct any inaccurate information regarding this debt from my credit file immediately if it can not be verified as accurate and compliant.

To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed. 

A copy of my ID and proof of address for verification purposes. 
Please note that you are required to complete your reinvestigation within 30 days of receiving this letter, per FCRA regulations. I expect a written response regarding the outcome of your investigation, including any corrections made to my credit report.

Requested Action : I kindly request that you : 1. Conduct a thorough investigation into these accounts.

2. Provide me with the results of your investigation within 30 days as required by law. 
XXXX. Remove the aforementioned items if they can not be verified as accurate. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation