vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX 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 2024-05-29 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to 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 2024-05-29 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: KY

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-05-29 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: PA

Complaint narrative:
I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate regarding reporting, with incorrect amounts and dates being reported.

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 2024-05-29 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error that I would like to be corrected. 
These items are inaccurate because I have already rectified the inaccuracies in these accounts from their records due to identified errors. I am requesting that the items be investigated and corrected to reflect accurate information. 

Items in Dispute : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used to bank with Chase but on the XXXX of XXXX I got a check and tried to deposit it on the app and was told it wouldnt be available to me till the XXXX so I called to find out how to speed up the process and was told to visit my employers bank ( XXXX ) so they can physically verify it and give me a note, so after making my way to XXXX I was told that the bank doesnt really do that and I could just cash in the check their instead, so I decided to cash it and call Chase back to cancel my deposit. When I explained on the phone with the customer service representative she got confused by my question and forwarded the check and I panicked and told her its now been deposited twice. But she reassured me that the check would cancelled and that the money would automatically be returned in 5 days. 
My worries were put at ease until the next day I was confronted by my boss who yelled at me saying he got charged twice and that I need to fix this or there will be trouble, so I called Chase again where I learned that once I deposits check they cant cancel it meaning I accidentally deposited it twice. On the XXXX my boss tells me that XXXX was able to reverse it on his end and he was able to get his money back but on that same day Chase completely locks my account, they tell me that they cant unlock it until everything gets fixed and they get some type of verification from XXXX, so I go back to XXXX and they tell me everything from their end is done and there is nothing I can do. I find out I have 2 weeks to fix my account before Chase closes it so I began calling their customer service and keep getting told different things on how to fix it and non of them work and I go inside of 2 different branches to ask for answers as well too and everyone reassures me I just have to be patient and everything will fix itself. But then 2 weeks pass and my account is closed. I talk to the customer service many times but they tell me their is nothing I can do and their has even been a couple of times they have been rude and even laughed about my situation. Im having a hard time getting my money back from Chase but the thing that is the most upsetting about this entire situation is the fact that they are treating me as if Im a criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I called XXXX XXXX  customer service sometime in XX/XX/year> to set up an automated payment from my bank as > was traveling out of the country. I had previously contacted them a few months earlier to set up the automated payments and it did not work so I called them again. They worked me through setting it up and I made XXXX payments for XXXX and XXXX of 2023 and they told me the automated payments would start coming out of my account in XXXX of 2023. 

I came. Ack from my trip in XXXX of 2023 and when I tried to log on to find out the status of my account and to reconcile my account I was locked out of my account and told to contact customer service and that's when I found out that my monthly mortgage wasn't coming out of my bank and that my house was on foreclosure proceedings. 

I informed XXXX that I had set up automated payments with their customer service so I don't know what happened but in any case the money was still in my account, so can I send in the payments to get up to date. They never responded so I contacted them repeatedly to rectify the issue. Finally they sent me an invoice with an added {$4000.00} to catch up on my mortgage. I was surprised and asked what the additional {$4000.00} in fees was for, they never explained what it was for and proceeded with the foreclosure. I had to get a lawyer to help me communicate with them and even he had problems communicating with them but he helped me get them to have me apply for loss mitigation, again they were almost impossible to communicate with. Finally they approved the loss mitigation and called me over the phone and told me I had to agree to the terms without reading the document before they would mail it to me to sign. They never told me what the amount was or anything. When I recieved the document that's when I found out they had added almost {$9000.00} to my mortgage. 

They never gave me the opportunity to catch up on my mortgage and have now added {$9000.00} to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: KY

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: KY

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-05-29 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
XXXXXXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new company, Rocket Mortgage, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Alorica Inc.
State: NC

Complaint narrative:
XXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new companyXXXX XXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NC

Complaint narrative:
XXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new company, XXXXXXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.

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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC
State: WA

Complaint narrative:
Since XXXX of XXXX Lending Point has failed to pay my principal balance. When payments XXXX XXXX would submit a XXXX dollar payment the whole payment would be applied to the interest and none to the principal balance. XXXX was confused about how this could happen for over 2 years. When XXXX would submit large payments agents would call her and tell her that she did not submit a payment when she brought to the agents ' attention that she did submit large payments the agents never took the money and placed it in the principal balance. I would like lending point investigated because since XXXX I have been making large payments on my account on-time but the payments have been placed all towards the interest and not the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
UNFORTUNATELY I FOUND OUT WHY MY CREDIT WAS DIMINISHED RAPIDLY>PAYPAL HAD AN ACCT THEY OPENED <LETTING XXXX DEDUCT from my maxed cc and never said, sent XXXX email for 18 months, only until i finally broke throughthey located this linch pin to my XXXX XXXX from XXXX but XXXX for XXXX claim the same timeline XXXX the big breach.Well i got my claim number called for the experion service offered, and started working on all the denial and XXXX from breach to be compensated.THEIR Process has a reset and no XXXX XXXX night as you can see on my copies the time and date I worked on the claim turned it in thrice and noticed never getting a confermation so i even emailed multiple about the site having issues and i made copies in case XXXX FORBID THEY DIDNT GET MY CLAIM. 
I emailed them and they said to send attachments and just like with every other case or situation, dismissed, shunned, toyed will, intimidation tactics its almost like they arent human.The breach undoubtedly effected me and they should honor my claim. 
THEYRE SO TYPICALLY DISMISSIVE that I found out I /we are best to certified mail these people.THE OTHER XXXX ONES XXXX XXXX AND THEY DONT SEE EVER BEING INSURED EVEN THOUGH THEY PAID & MONTHS.Theyre rushing to closed/charge it off because this one is a criminal act ,95 % certain of XXXX way this equifax breach rep had me XXXX even more time sending files in attach.Only to ignore until there was no time investigate the problem and honor my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed XXXX {$3100.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$3100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-05-29 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: AZ

Complaint narrative:
I hope this letter finds you well. After examining my credit report, I was astounded to discover multiple entries that lack validation or verification. As I'm currently in the midst of purchasing a home for my family, this issue is significantly impacting me. I respectfully ask for the prompt removal of these items my credit report. Please help me remove these items immediately : XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Owed : {$7600.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX {$3000.00}.

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