vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-01 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: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested. 

The inaccuracies are highly injurious to my credit score TRANSWORLD SYSTEMS INCXXXX XXXX ( account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. 

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
On XXXX of XXXX I was admitted to the XXXX XXXX in XXXX TN. I had " XXXX XXXX " insurance and I paid my deductible a few days after the discharge. About a year ago I notice an item from XXXX and XXXX on my credit report ( on behalf of XXXX XXXX ). I call them and they told me that there was a balance of {$910.00} split into XXXX accounts. They also told me that they did not have my insurance information. I gave it to them and they said they will bill the insurance. On XX/XX/XXXX of this year I notice the item is still in my credit report I called them again and they suggested to have a conference call with the insurance. On XX/XX/XXXX I called XXXX XXXX and the associate Ivy called XXXX I was told I can not be in the call. After the called XXXX called me and said they did not have the insurance number and they will submit the bill a few days later I called XXXX and they told me that I need to submit the bill to the insurance company but it was too late and it might not get paid. XXXX ask me to request the bill and I did on XX/XX/XXXX. They never send the bill. Furthermore, I reviewed the bills from XXXX and there is a charge from vista radiology on XXXX XXXX XXXX the item was paid by the insurance. Therefore vista radiology did have my insurance information and as stated by the insurance my deductible was met and they would have paid for any services if XXXX XXXX would have submitted the bill. The attached documents show charges for radiology services on the date indicated by XXXX XXXX XXXX Also indicate that my deductible was met. There is no excuse from XXXX XXXX they did not submitted the bill although they have the insurance number. XXXX should stop reporting false information to the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ( es ) : XXXX XXXXXXXX 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 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
Flagstar Bank, # XXXX On XX/XX/year>XXXX XXXX XXXX was changed from XXXX to XXXX, XXXX  reduced from approx. XXXX to XXXX, ( difference of approx. XXXX reduction in monthly payment ). 

XXXX phone call on the XXXX of XXXX to facilitate the correction of escrow and monthly payment. XXXX more subsequent CHAT sessions with Flagstar regarding the non-existent change in the monthly payment amount. 

Paid up front half of the payment on the XXXX and remainder was paid on XXXX of XXXX, XX/XX/XXXX escrow has not changed nor the monthly payment. 

Flagstar is fraudulently holding my money depriving me of control of my money to which I have stocks ( performing at 56 % ) and XXXX 's ( performing at 33 % ) that could be flushed with an additional XXXX  monthly created by the appropriate reduction in monthly payment now held knowingly by Flagstar Bank.

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 2024-11-01 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXXXXXX has relisted 15 fraudulent inquiries.

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 2024-11-01 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:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XXXX, XXXX, XXXX  Experian sent my credit report sent to an individual without my consent or knowledge. This has needlessly exposed my wife and myself to possible identity fraud or theft, and has created a great deal of stress for us. My credit report was sent to XXXX XXXX XXXX XXXX XXXX XXXX, WA ) under his dispute results report # XXXX. If not for this person notifying my wife about the incident we would have never known that Experian sent my credit report to anyone without my authorization. 

I have filed a complaint with Experian about this breach of trust but we have not received any response to date. I have asked Experian the following : XXXX. How does something like this happen? Do you not have any internal controls to prevent this? 
XXXX. Do you not use second-checking processes to ensure only the correct financial/credit data is sent to the correct person? 
XXXX. What is Experian going to do to ensure this does not happen again? 
XXXX. What is Experian going to do to mitigate the identity fraud exposure risk that you have created for myself and my wife? 

We are filing this complaint to express how incredibly displeased we are with Experian over this incident. We have also filed a complaint with the Washington State Attorney General. 

XXXX XXXX XXXX XXXX, WA 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This weekend I came to find out my capital one XXXX card had been closed due to returned payments. The situation was an unfortunate mix up where I was Frauded a rep called me as captial one and they knew all my login info my address bank XXXX XXXX I told them I Dont use XXXX  XXXX XXXX any more only used it prior to make pmts 1 time among both of my cards how ever funds had not been transferred from my account and that acct is currently overdrawn if im not mistaken. The moment I noticed days later that the number who called me wasn't capital one and they are a credit solutions agency. I was scammed I was so wrapped up with personal issues with losing a child I didn't have time to even entertain that payments were fraud on my account. As Captial one can see I been value customer since I was XXXX my first card ever opened since XXXX  I may of have returned payments with my old act in the past but you'd be able to see that, I deposited the money and reattempted the payment. I spoke to capital one customer service where at first they said there is absolutely nothing they can do because I violated their terms and agreement, but after speaking with a supervisor XXXX. She had mentioned submitting a request to open the account but it was not a guarantee. She mentioned to call capital one once it clears on the XXXX. Please review my account and help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
I recently got a copy of my credit reports and notice 2 car loans, that were opened fraduently in my name.

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 2024-11-01 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 recently got a copy of my credit reports and notice 2 car loans, that were opened fraduently in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
The company Velocity Investments LLC currently representing XXXX has contacted my employer ( XXXX XXXX XXXX ) asking questions about myself through a disposition. This account has been sold to multiple collection agencies throughout the years. I believe the statute of limitations has expired anllowing any further action from a collection agency or firm. I ask that you help cease and desist this firm from contacting myself or my employer. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to get credit report from Experian for XXXX weeks. it asks for my last XXXX digits of social security number and phone number to validate. I enter these, but never receive the code by text message. I have call them 7 times to fix the problem with no results. I do have a valid sign in with them but can not login.

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 2024-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries 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 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 non-monetary relief
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies

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 2024-11-01 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief