vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CT

Complaint narrative:
XXXX XXXX XXXX Account Number- XXXX XXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-07 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-06-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received 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 2024-06-07 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: MD

Complaint narrative:
The amount was agreed upon and paid however the balance does not show XXXX nor was it updated with the credit bureaus as such

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The amount was agreed upon and paid however the balance does not show XXXX nor was it updated with the credit bureaus as such

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: MD

Complaint narrative:
The amount was agreed upon and paid however the balance does not show XXXX nor was it updated with the credit bureaus as such

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 2024-06-07 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: MO

Complaint narrative:
Hello, i reviewed my credit report and found out that i have a fraud hard inquiries, i need to get them removed because its ruining my credit score a lot. Thank you in advance. 

Inquiries is XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Rocket Mortgage Loan on XXXX XXXX XXXX XXXX, XXXX TN, XXXX. 
We have made several payments over the last XXXX  days and they charged us interest XXXX  times. 
XXXX : {$880.00} on XXXXPayment of {$1000.00} ( which is the normal amount-Loan Balance of {$120000.00} and XXXX  % -Not disputing this ). 
Then on XX/XX/XXXX payment of {$14000.00} was applied to Principal. 

XXXX : Then, on XX/XX/XXXX a payment of {$6000.00}, they separated into XXXX payments, {$4900.00} and {$1000.00} ( where we were charged {$780.00} in interest and with a Loan Balance {$110000.00} ). 

XXXX : Then on XX/XX/XXXX a payment of {$4000.00} was also split into XXXX payments, {$2900.00} and {$1000.00} where we were charged interest of {$750.00} ( Loan Balance {$100000.00} ).

They claim through an email exchange that the payments were applied to future months essentially charging interest that has not accrued yet. 
Below is their response copy and pasted from my email : " Good morning, Thank you for reaching out to us. We do understand your concerns. When looking at your payment history, I do show that the payment you made on XX/XX/XXXX was applied to the month of XXXX, the XX/XX/XXXX payment was applied to the month of XXXX, and the XX/XX/XXXX payment was applied to the month of XXXX. 
Per your loan agreement, part of your monthly payment will be applied to principal and interest, this is why the payments reflect the interest charges. You can view your monthly payments online via your online Rocket Mortgage account that will provide a breakdown of how payments are applied. '' Is it legal to charge interest that has not accrued yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: IL

Complaint narrative:
My original XXXX XXXX XXXX savings account was with XXXX. I received the notice that it was being sold to SST. I continued to pay SST, however after learning about their practices I attempted to close my account. I also have a hardship in which I asked SST to skip payments. I requested that my loan be closed and my locked savings in the amount of {$2000.00} be used to pay off the remaining balance of {$600.00}, leaving me with {$1400.00} of savings being transferred to my bank account. They told me that I could not do that and that I needed to pay the loan in full or be late by 16 days and demonstrate hardship and wait another 45 days for MY MONEY. I told them that my ORIGINAL CONTRACT which legally is not supposed to be changed said that, for those that have made at least XXXX savings addition, the provision states that if the balance is less then or matches the sum in the locked savings account, the account may be closed. They said that it wasnt their process. I DID NOT sign anything with SST to change my original loan terms and they are legally not allowed to change or use their process on these accounts as legally my original loan terms could not change unless it was both signed in writing by myself and the company. The woman told me the only option is to go 16 days late and then see if I can apply for hardship. Again, THESE ARE NOT MY LOAN TERMS. I am requesting that my account my closed and my locked savings be used to cover the amount of {$600.00} and the {$1400.00} be transferred to MY BANK ACCOUNT- AS STATED IN MY ORIGINAL TERMS. 

My terms also stated that I would be able to have my XXXX XXXX XXXX  savings transferred to my bank account immediately and then I was told that SST will take 45 days to transfer which is against my original loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I informed them several times I did not do any of these. I didn't ok any of these inquiries.i called multiple times as well as put an alert and hold so no one could run my credit without me being called first. But of course they didn't put it on my credit so that it could be stopped

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I informed them several times I did not do any of these. I didn't ok any of these inquiries.i called multiple times as well as put an alert and hold so no one could run my credit without me being called first. But of course they didn't put it on my credit so that it could be stopped

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 2024-06-07 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:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY CONNS Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX, XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15. there is some inaccurate information reporting XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2024-06-07 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and life.

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 2024-06-07 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: MI

Complaint narrative:
I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXX Credit Card from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX  XXXX Credit Card verified the account as accurate, but I do not understand how they could have done that. I have also gotten zero help from XXXX XXXX XXXX  and they have not been able to provide me with any information even after I have sent them letter disputing account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: MI

Complaint narrative:
I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXX Credit Card from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX  XXXX Credit Card verified the account as accurate, but I do not understand how they could have done that. I have also gotten zero help from XXXX XXXX XXXX  and they have not been able to provide me with any information even after I have sent them letter disputing 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 2024-06-07 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account numberXXXX

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