vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report a bankruptcy in error on my report. This information has not been validated or verified. I requested validation and verification. Equifax sent their investigation results stating XXXX verified the information. That is not only inaccurate but also illegal to report inaccurate information per the FCRA ( Fair Credit Reporting Act ). I wrote to the US Bankruptcy Court and have a response from them stating that they do not report any information to any credit reporting agencies. Under the FCRA section 605 the law states the Bankruptcy Court has no jurisdiction over credit reporting agencies and doesn't report to them. 

I have a letter from XXXX stating no information is/will be reported to any other agencies. There is no way that Equifax investigated, validated, or verified any bankruptcy information as accurate. XXXX has done the right thing by deleting the error from my report because they were not able to validate or verify any information as accurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Without my permission, my medical information was released. This company has breached the Consumer Protection Act and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX and XX/XX/2021 I sent letters to the credit bureau 's to notify them that I am a victim of identity theft and there were some names and addresses reporting on my credit report that does not belong to me as of today XX/XX/2021 these inaccurate fraudulent addresses remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate 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 explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX and XX/XX/2021 I sent letters to the credit bureau 's to notify them that I am a victim of identity theft and there were some names and addresses reporting on my credit report that does not belong to me as of today XX/XX/2021 these inaccurate fraudulent addresses remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 - I tried to withdrawal {$1000.00} out of the Bank of America ATM at XXXX XXXX XXXX, XXXX, CA XXXX. The ATM did not dispense the {$1000.00}. I immediately called Bank of America to report what happened. I was told I would get some papers I needed to sign in 15 business days. When the letter came it just stated : " We've completed our review of this claim and determined no error occurred. Based on this information, we're unable to credit your account and now consider this disputed transaction closed. ''

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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX and XX/XX/2021 I sent letters to the credit bureau 's to notify them that I am a victim of identity theft and there were some names and addresses reporting on my credit report that does not belong to me as of today XX/XX/2021 these inaccurate fraudulent addresses remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate 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 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I believe that Pentagon Federal Credit Union is in violation of USC 1026.53 in how they apply payments in excess of the minimum and in the last 2 months of a promotional balance transfer. They are saying that 1026.36 doesn't apply when the clear language of 1023.56 shows that it does apply. Specifically 1023.56 B1i states that when Accounts with balances subject to deferred interest or similar program are used, then " The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; or ''. 

Pentagon Federal is saying this rule does not apply to 0 % interest balance transfers and are refusing to apply the payment to the transfer that ends on XX/XX/2021 and are, instead, applying them as percentages of the 3 transfer amounts. This is making it IMPOSSIBLE for me to pay off the XX/XX/2021 balance transfer before it starts accruing interest. 

They only tell me their " lawyers '' say they are doing it correctly and will never address my specific question related to 1023.56 above.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your re-investigation did not result in any changes to my credit file. I've already informed you that my report involves false and incorrect accounts, which you must immediately remove and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I had a scheduled phone call with PHH Mortgage senior manager of the ombudsman with Ms XXXX XXXX on XX/XX/2021 at XXXX XXXX  .Ms XXXX called me the first words from her is Mr XXXX what do you want? I started to explain and Ms XXXX started to raise her voice and was shouting at me you are a fraudster scammer. I told Ms. XXXX to stop before she said something she was going to regret. Ms XXXX is senior management and should have training to treat customers ' past or present with respect and dignity. Her tone was demeaning and cruel. Ombudsman is there to work through complaints not degrade the customer. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT

Complaint narrative:
XXXX IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM XXXX. ALSO FIND ATTACHED THE LETTER WRITTEN FROM ARS TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. 

ARS XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}

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
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
On XX/XX/2021 I notified the credit bureau 's that I am a victim of identity theft and that my credit report reflects some unauthorized inquiries on my credit report. I submitted a copy of my identity theft affidavit along with my dispute and as of today XX/XX/2021 the unauthorized inquiries continue to report on 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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
On XX/XX/2021 I notified the credit bureau 's that I am a victim of identity theft and that my credit report reflects some unauthorized inquiries on my credit report. I submitted a copy of my identity theft affidavit along with my dispute and as of today XX/XX/2021 the unauthorized inquiries continue to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
EXPERIAN IS REPORTING A FRAUDULENT PHONE NUMBER ON MY CONSUMER CREDIT PROFILE. I HAVE REQUESTED SEVERAL TIMES FOR THIS FRAUDULENT PHONE NUMBER TO BE REMOVED BUT EXPERIAN IS BENT ON VIOLATING MY RIGHTS UNDER THE FCRA GUIDELINES BY REFUSING TO COMPLETELY DELETE THIS PHONE FRAUDULENT PHONE NUMBER FROM MY CONSUMER CREDIT PROFILE EVEN AFTER SEVERAL REQUESTS BY MYSELF TO HAVE IT DELETED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA GUIDELINES AND REPORTING A NUMBER THAT DOES NOT BELONG TO ME ON MY CONSUMER CREDIT PROFILE CAN SUBJECT MY TO IDENTITY THEFT. 
I HAVE ATTACHED A COPY OF MY MY MOST RECENT CREDIT REPORT AND A SCREEN SHOT EVIDENSE OF THE ITEM IN QUESTION. XXXX IS NOT MY PHONE NUMBER. DLETE THIS NUMBER IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am part of a consumer credit transactions this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged due to Title 15 USC. 
BUREAU-1692a ( 1 ), 1681A ( 1 ) -4/ ( B ) COMMUNICATION-1692A ( 2 ) CREDITOR-1692A ( 4 ) Charge off/Repo DEBT AND DEBT COLLECTOR 1692A ( 5 ) Collections/Student loans CONSUMER-1692A ( 3 ) LATE PAYMENTS-1666B ( A ) INQUIRY-1681B ( 2 ) /3A ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and XXXX but not from Experian. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

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 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
i checked my credit yesterday because i was going to apply for a home loan. i used an online site service to obtain a report and noticed several fraudulent accounts and inquiries that i didn't authorize and have no knowledge of. 

The first account Discover Bank and it was opened in XXXX of XXXX the account number is XXXX and the account was closed on XXXX of XXXX. The balance of this account is {$6400.00} and i found out about it yesterday. 

The next set of fraudulent information came in the form of inquiries on my credit report : XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX XXXX card services - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Attached are documents from my endless efforts to correct these problems from the credit reporting companies and its been ignored and delayed beyond their time to rectify the situation to remove, correct, show the method of verification of my disputes and discrepancies to be removed and suppressed off of my credit file! 

None of which has been done ...!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from TransUnion and XXXX but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

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